Home Insurance Solutions Of Texas - HISOT
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.
Policys, Coverages & Optional Coverages
Personal Auto & Truck, Boat & Watercraft, Motorcycle & RV.
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.
Coverage
Liability
What it pays
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.
Coverage
Personal injury protection (PIP)
What it pays
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.
Coverage
Uninsured/under-insured motorists(UM/UIM)
What it pays
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.
Optional Coverage
Collision
What it pays
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.
Optional Coverage
Comprehensive (other than collision)
What it pays
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.
Optional Coverage
Medical payments
What it pays
Pays your medical and funeral bills resulting from an accident. Benefits are available regardless of fault.
Optional Coverage
Towing and labor coverage
What it pays
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.
Optional Coverage
Rental reimbursement
What it pays
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.
Coverage Area - Where it covers
United States, it's possessions and Canada. Pays for coverage in the United States, its territories or possessions and Canada.
Cars the Policy covers - What it provides
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.
Drivers the Policy covers - What it provides
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.
Common Discounts
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.
- Airbags and automatic seat belts
- Anti lock brakes
- Anti theft devices
- Automatic daytime running lights
- Claim free - if you haven’t filed a claim in the last three to five years.
- Companion policy - if you insure your car and home with the same company.
- Defensive driving
- Driver education courses for young drivers who pass a driver education course.
- Driving record - lowers your premium if you have a good driving record.
- Low mileage - lowers your premium if your car has low mileage.
- Your profession
- More than one car on the same policy - lowers your premium if you have more than one car on the same policy.
Deductibles
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.
Common Exclusions
- Named driver - coverage is not provided for losses caused by household members, family members, or resident relatives who are not listed in your policy.
- Business use - coverage is not provided for losses during business use. Examples of business use include pizza, flower, or newspaper delivery.
- Racing - coverage is not provided for losses resulting from the use of your vehicle in a racing event.
- Intentional acts - coverage is not provided for losses resulting from an intentional act by you, the insured, or at your direction.
- Excluded driver - coverage is not provided for losses if a driver who is specifically excluded in the policy was driving the car.
Policy Limits
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.
TexasSure
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 -
Coverage
Agreed Value
What it pays
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.
Coverage
Personal Effects
What it pays
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.
Coverage
Fuel Spill and Wreckage Removal
What it pays
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 -
Coverage
Bodily Injury Liability
What it pays
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.
Coverage
Guest Passenger Liability
What it pays
Similar to bodily injury liability, but specifically covers a guest passenger riding with you on your motorcycle.
Coverage
Property Damage Liability
What it pays
Helps pay to fix someone else’s vehicle you’re held responsible for damaging in an accident.
Additional Coverage can include -
- Comprehensive - Helps pay for repairs or to replace your ride if it is stolen, vandalized or damaged in some way other than in a collision. Includes loss or damage from fire, flood, falling objects, wind and collision with an animal.
- Collision - Helps pay for repairs to your motorcycle for damage caused by an accident.
- Medical Payments - Helps pay hospital bills and medical care expenses for you or a guest passenger injured in an accident, no matter who is at fault.
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 -
- Bodily Injury Liability
- Property Damage Liability
- Personal Injury Protection (PIP) and Medical Payments (Med Pay)
- Uninsured and Under-insured Motorist (UM/UIM)
- Collision
- Comprehensive
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 -
- You keep things in your RV that you wouldn't keep in your car, such as clothing, jewelry, binoculars, DVRs, laptops, camcorders, or outdoor gear.
- When you park your RV at a campsite, you may be liable for the area around your RV. If someone is injured, you may be responsible.
- If your RV is damaged while you're traveling, you'll need a place to stay and a way to get there.
Don't let your fun be interrupted with worry. Your auto or homeowners policy may not adequately cover your Motor Home.
Coverage
Comprehensive
What it pays
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.
Coverage
Total Loss Replacement Coverage
What it pays
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.
Coverage
Emergency Expenses Coverage
What it pays
Pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.
Coverage
Campsite & Vacation Liability Coverage
What it pays
Provides liability coverage when you are parked and using your motor home as a residence, typically seasonally or weeks at a time.
Coverage
Full-Timer Coverage
What it pays
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 shop close to 30 carriers for you to get the best coverage and best price for your auto, boat, motorcycle, rv and home - best call you will ever make 281-293-7744 Toll Free 1-877-260-0808.
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.
Community Engagement
HISOT is an Accredited Business with the Houston Better Business Bureau.
HISOT IT - Katy Graphics & Design - KGD