Welcome, one size does not fit all.
Many items to consider - monthly premium, deductible and what is and is not covered. Let one of our professional licensed agents work for you to find what is the right fit for you.
Coverages and features vary depending on the type of policy and the insurance company. Read any policy you’re considering before you buy it. Pay special attention to the exclusions section, which lists the things your policy does not cover, and to the declarations page, which shows the amount of each of your coverages and deductibles.
Be informed about the state of Texas insurance verification program, TexasSure.
Pays to repair or replace the other driver’s car and property and for other people’s medical expenses and injuries when you are at fault in an accident.
Liability coverage does not pay to repair your car or for your medical expenses or injuries. Liability coverage satisfies the Texas Motor Vehicle Safety Responsibility Law.
Personal injury protection (PIP)
Pays your medical and funeral bills resulting from an accident.
Also pays 80 percent of your lost income and the cost of hiring a caregiver. Benefits are available regardless of fault. If you do not want PIP coverage, you must reject it in writing.
Pays your medical expenses and actual cash value for car repairs resulting from an accident caused by an uninsured motorist or a motorist who did not have enough insurance to cover your bills, up to your policy’s dollar limits.
Pays the cost of repairing or replacing your car after an accident whether or not you are at fault.
You pay a deductible. Your lender may require this coverage.
Comprehensive (other than collision)
Pays the cost of replacing or repairing your car if it is stolen or damaged by fire, theft, explosion, earthquake, windstorm, hail, flood, contact with animals, falling objects and glass breakage. You pay a deductible.
Pays your medical and funeral bills resulting from an accident. Benefits are available regardless of fault.
Towing and labor coverage
Pays towing charges when your car can’t be driven. Also pays labor charges, such as changing a flat tire or jump starting your battery.
Pays a set daily amount for a rental car if your car is stolen or is damaged and is being repaired. It only pays for rental when damage was caused by an event that your policy covers.
United States, it's possessions and Canada. Pays for coverage in the United States, its territories or possessions and Canada.
Provides new and replacement cars the same coverage as the car it replaced. Provides additional cars the same amount of coverage as your car with the most coverage. You must tell your insurance company that you have bought a car within 30 days. Rental Cars - Provides liability coverage for a car you rented. Read your policy to know if your insurance covers rental cars and how much it covers. Temporary substitute cars - Provides liability coverage for a temporary car while your car is being repaired or replaced.
Any person driving the car - Provides coverage to anyone who drives the car with the insured’s permission except for people specifically excluded in the policy.
Family members - Provides coverage to anyone who lives with you and is related to you by blood, marriage, or adoption except for people excluded in the policy.
Listed driver endorsement - Provides coverage for losses caused by household members, family members, or resident relatives who are listed in your policy.
Companies may offer discounts that will lower your premium. Each company sets the amount of discounts it offers to its policyholders. Ask about discounts available to you.
Deductibles - The deductible is the amount you will pay for certain losses. For example, if you have a claim for $1,000 and a deductible of $300, the insurance company will automatically deduct $300 from the amount of the claim. You would pay your $300 deductible and the company would pay the remaining $700.
Higher deductibles - Higher deductibles will lower your premium, but you will pay more out of your own pocket if you have a claim.
30/60/25 are the minimum liability coverage limits required by the Texas Financial Responsibility Law. The insurance company will pay up to $30,000 for bodily injury for each individual person up to a total of $60,000 per accident, and up to $25,000 for property damage per accident.
Higher policy limits may be available for an additional premium. It may be helpful to you and your family to increase your protection for an additional premium. For example, 100/300/100 is a common higher liability coverage limit.
The insurance company will pay up to $100,000 for bodily injury for each individual person up to a total of $300,000 per accident, and up to $100,000 for property damage per accident.
The State of Texas implemented a program that allows law enforcement officers and designated state users to immediately verify whether a vehicle is insured. The days of fraudulent or false proof of automobile insurance cards and dropping insurance coverage after receiving a valid insurance card are numbered.
Texas law states that a person may not operate a motor vehicle in this state unless financial responsibility is established for that vehicle. Most people do this by buying automobile liability insurance. The law currently requires minimum liability coverage of $30,000 per injured person, $60,000 for everyone injured in an accident, and $25,000 for property damage (30/60/25).
TexasSure, Texas' financial responsibility verification program goal is to reduce the number of uninsured motorists in Texas. An estimated 20% of all Texas vehicles are uninsured at any given time. Now, law enforcement officers and other state users have real-time immediate access to insurance information on a given vehicle at their fingertips.
Standard Coverage can include -
No matter the age of your boat or personal watercraft. If your boat is declared a total loss after an accident or theft, you’re covered for the total value we agreed upon when you insured it.
There’s no complicated depreciation formula based on the age and condition of your boat. All you pay is the deductible. If your boat or PWC is a total loss, we’ll cover everything else up to the value we agreed upon.
Your fishing gear and other personal property is covered for up to $750.
Unattached equipment like water skis, deck chairs, anchors, safety equipment and marine electronics is automatically covered for up to 10 percent of your hull value or $100, whichever is greater.
Fuel Spill and Wreckage Removal
Cost related to cleaning up fuel spills and removal of accident wreckage is included.
If your boat sinks or is seriously damaged, there is a chance that it could leak oil or fuel into the water.
As the boat's owner you are required by law to have this cleaned up, which can be time consuming and expensive. Helps pay costs related to having your sunken or sinking boat raised and removed when required.
We have many coverage options that include Roadside Assistance, Emergency Assistance, Medical Payments, Liability, Physical Damage and Uninsured/Under-insured.
Discounts are also available that include Safe Boater, Diesel and more than one policy.
Standard Coverage can include -
Bodily Injury Liability
Helps pay for bodily injury expenses, like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures someone else, other than a guest passenger.
Guest Passenger Liability
Similar to bodily injury liability, but specifically covers a guest passenger riding with you on your motorcycle.
Property Damage Liability
Helps pay to fix someone else’s vehicle you’re held responsible for damaging in an accident.
Additional Coverage can include -
Other options can include coverage for - Helmet, Jacket, Boots and Gloves and New Harley® Replacement - Two-year replacement cost coverage for your new Harley-Davidson® motorcycle.
Standard Coverage can include - all the same basic coverage options as regular auto insurance -
Your RV is more than a car and your RV insurance coverage should protect more than what typical car insurance does.
Rather than add your RV to your auto policy, consider RV insurance coverage with an RV policy.
Keep the following in mind as you decide whether to buy RV insurance coverage, since the following situations are generally not covered under a standard auto insurance policy -
Don't let your fun be interrupted with worry. Your auto or homeowners policy may not adequately cover your Motor Home.
This provides protection from just about any direct, sudden and accidental loss, including; collision, fire, smoke, floods, landslides, hail, windstorms, animals, vandalism, low branches or overhangs, theft and lightning.
Can also include Coverage for Attached Accessories, including awnings, satellite dishes, TV antennas and more.
Total Loss Replacement Coverage
This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value of your trailer travel at the time it's destroyed.
This coverage protects from the effects of depreciation. If your new-model travel trailer is destroyed within its first five model years, and you're the original owner, we'll pay to replace it with a brand new one of similar kind and quality. In years six through ten, we'll give you up to what you originally paid for it toward the purchase of another motor home.
Emergency Expenses Coverage
Pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.
Campsite & Vacation Liability Coverage
Provides liability coverage when you are parked and using your motor home as a residence, typically seasonally or weeks at a time.
This is a coverage very similar to a homeowners policy.
This option covers you when you are parked and using your motor home as a residence, typically for extended periods of time.
We are always striving to make your insurance experience as efficient and convenient as possible. Thanks for a Great 2016!
Susan Flagg - HISOT CEO
Susan's Tips - Buy insurance like an insurance agency CEO - PRO.
HISOT is an Accredited Business with the Houston Better Business Bureau.
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