Austin Car Insurance
Carrying insurance is like investing in a rainy day fund. You don’t want to use it regularly. However, it’s there when you need it. When an accident or incident impacts your life, you won’t need to suffer financially as you recover from the damage. Insurance can cover many of the costs you incur, so you can get back on your feet.
Austin roadways present a variety of accident risks for all drivers and vehicles. From highways to your driveway, you need to have car insurance for your own protection. Most policies can offer at least :
- Liability coverage (30/60/25 limits required by Texas law)
- Collision insurance
- Comprehensive insurance
- Personal injury protection (PIP coverage)
- Uninsured/underinsured coverage
Unique Vehicle Coverage Options: Many drivers don’t qualify for a standard car insurance policy. We’ll help you get specialized coverage options, including:
Our team can compare the policies and prices of credible Texas insurance providers. We can help you find the best possible policy to best protect the important things in your life.
Car Insurance FAQs
Does Texas require car insurance?
Yes, all drivers with vehicles registered in Texas must carry at least the following coverage:
- $30,000 bodily injury liability insurance per person
- $60,000 bodily injury liability insurance per accident
- $25,000 property damage liability coverage
Out-of-state or temporary Texas residents, like college students, can usually keep the existing car insurance from their out-of-state policy. However, if you establish residency in Texas, you will have to register your car and obtain Texas coverage.
How much is car insurance in Austin?
On average, Austin drivers pay about $960 per year for their car insurance. However, your particular rate might vary considerably based on your personal risk ratings. We’ll help you analyze risks and compare your policy options to determine the right policy options at the right costs.
Contact Your Austin Car Insurance Specialist Today
Austin residents: Ready to get coverage? Start by getting a free online quote or calling (512) 575-2000(512) 575-2000. You can also can stop by our location in Austin. We will be happy to see you!
Austin Homeowners Insurance
Let’s say, for example, that a fire destroys your home and possessions. You might not be able to afford the costs of rebuilding on your own. But you don’t want to lose everything. With the right homeowners insurance, you can get the money you need to rebuild and recover your own security.
As a rapidly-expanding urban area, Austin has seen significant property value increases in the past few years. If you want to buy a home, you must buy homeowners insurance. Policies can offer multiple lines of coverage, including:
- Property/structure insurance
- Possessions and contents coverage
- Scheduled belongings insurance
- Liability insurance
- Pet bite coverage
- Expenses coverage
Homeowners Insurance FAQs
How much is homeowners insurance in Austin?
Your homeowners insurance rates will vary based on different risk factors and the value of your property. In Austin, rates average around $1,100 annually, or about $100 per month.
Why does my home insurance go up every year?
Sometimes, if you made claims on your policy in the last year, you will see a rate increase. However, insurers often have to implement across-the-board rate increases for all clients. This accounts for inflation and other factors. Usually, these are nominal increases, however.
What are the best home insurance policies for Austin, TX?
The right homeowners insurance is the one that fits you, and it must insure the value of your home as closely as possible. We’ll help you look at all available policy options and choose the one that offers the appropriate protection.
Contact Your Austin Homeowners Insurance Specialist Today
Austin residents: Ready to get coverage? Start by getting a free online quote or calling (512) 575-2000(512) 575-2000. You can also can stop by our location in Austin. We will be happy to see you!
Austin Renters Insurance
With renters insurance, policyholders can insure not only their own property, but also the liabilities and property of others. Coverage can apply to a huge variety of apartments, homes, condos and other properties. Policies usually offer
- Possessions coverage
- Liability insurance
- Expenses coverage
Renters Insurance FAQs
Does renters insurance cover my roommates?
Your renters policy will not insure your roommates unless you list them on the policy. Roommates sometimes share policies, however. Still, by getting separate policies, each party can better target protection to their personal assets.
Does renters insurance cover other peoples' belongings?
If you borrow someone’s belongings and damage them, your policy will likely pay. Also, if your visitors’ belongings get damaged in the home, coverage might also apply.
Furthermore, if you damage the home’s structure, then your renter’s liability policy will often pay for the damage. However, other restrictions on coverage will exist.
Does everyone have to have renters insurance?
In most cases, landlords require tenants to carry renters insurance. Even if they don’t, however, every renter can benefit from the perks that coverage will provide. Therefore, you need coverage.
Contact Your Austin Renters Insurance Specialist Today
Austin residents: Ready to get coverage? Start by getting a free online quote or calling (512) 575-2000(512) 575-2000. You can also can stop by our location in Austin. We will be happy to see you!
Austin Business Insurance
Every business needs insurance. To get the right coverage, you will rely on multiple policy options like:
- Business Owners Policies (BOPs)
- Structure and contents coverage
- General liability insurance
- Business interruption insurance
- Commercial auto insurance
- Workers’ compensation insurance
Business Insurance FAQs
What insurance does a small business need?
The policy you need will depend on your specific commercial risks. Most businesses carry at least structure, general liability and workers’ compensation coverage.
Are businesses required to have liability insurance?
Texas doesn’t require businesses to carry either workers’ compensation or general liability coverage. However, some industry regulators do require certain businesses to carry specialty liability policies. Remember, by not having coverage, you open yourself up to excessive losses in case liability suits arise.
How much business insurance do I need?
The types and amounts of business insurance you need will depend on the business’s value, risks and operations. Our agents are experts in helping all Austin business owners determine the right limits, deductibles and specialty coverage elements for their needs.
Austin residents: Ready to get coverage? Start by getting a free online quote or calling (512) 575-2000(512) 575-2000. You can also can stop by our location in Austin. We will be happy to see you!