El Paso Car Insurance
The roads around El Paso are well-known for their congestion and accident risks. 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
How much car insurance do you really need?
You must always carry the minimum car insurance required by Texas law. This is:
- $30,000 bodily injury liability insurance per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage
However, your policy should match the full value of your vehicle as closely as possible. Therefore, you can buy more coverage that will provide more assistance when you need it.
What is recommended for car insurance coverage?
We recommend that drivers carry full physical damage insurance, which can provide more coverage than the sole liability coverage required by state law. If you get physical damage coverage for your own vehicle, you’ll be able to afford repairs without having to dig deeply into your savings.
Do you need commercial auto insurance?
If you own a business vehicle or drive a personal car in the regular course of business, then you likely need commercial auto insurance. However, simply commuting or running the occasional work errand might not mandate coverage. Talk to one of our agents to determine the right course of action.
Contact Your El Paso Car Insurance Specialist Today
El Paso residents: Ready to get coverage? Start by getting a free online quote or calling (915) 228-2400(915) 228-2400. You can also can stop by our location in El Paso. We will be happy to see you!
El Paso Homeowners Insurance
The El Paso real estate market is very competitive, and property values continue to rise. Residents will need to get homeowners insurance. It provides them reassurances that they can protect themselves and others on their properties. 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
What is the average cost of homeowners insurance?
El Paso’s average homeowners insurance rates run between about $75 – $100 per month. However, your specific premium will often vary. Our agents can help you compare your policy options to find the one that offers the most coverage at the most-affordable price.
Does homeowners insurance go up every year?
You might see your rates rise annually, due to economic factors like inflation and the value of your insurance risk pool. Also, if you have made claims on your own policy in the last year, you might see your rates increase. However, not every claim will raise your rates.
Contact Your El Paso Homeowners Insurance Specialist Today
El Paso residents: Ready to get coverage? Start by getting a free online quote or calling (915) 228-2400(915) 228-2400. You can also can stop by our location in El Paso. We will be happy to see you!
El Paso 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
Should I get renters insurance?
Yes. If you want to be able to protect yourself, your possessions and your financial security in a rental home, then you will need coverage. We can’t understate its important to anyone, in any rental property.
Is renters insurance required in Texas?
No state law requires renters to buy coverage. However, landlords have the right to require their tenants to buy coverage.
How much is renters insurance per month for an apartment?
In Texas, renters insurance policies can cost as little as $15 per month. However, as you increase the value of your liability insurance and possessions limits, your policy price might rise.
Contact Your El Paso Renters Insurance Specialist Today
El Paso residents: Ready to get coverage? Start by getting a free online quote or calling (915) 228-2400(915) 228-2400. You can also can stop by our location in El Paso. We will be happy to see you!
El Paso 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
Do I need commercial insurance?
Yes, absolutely. Commercial coverage applies to multiple risk factors present within your business. If you want the reassurance that your business can survive trying circumstances, you need coverage.
What type of insurance is needed for a small business?
We recommend that small business owners start their commercial insurance portfolio with a Business Owners Policy (BOP) package. Your BOP can contain multiple types of coverage, like property, general liability and business interruption, all in one place. With a BOP, you’ll pay for multiple lines of coverage with only one premium.
El paso residents: Ready to get coverage? Start by getting a free online quote right now. Or you can stop by one of our El Paso locations. We will be happy to see you!