Think about the things in your life that you might need to insure. We can make sure you get that protection and maintain it affordably. Come to us for:
Falfurrias Car Insurance
Texas 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
What factors affect your car insurance rates?
Numerous factors might impact your car insurance’s costs, including:
- The age and value of your car
- Your driving record and history of accidents
- How much insurance you choose to buy
- Your location
- Your history of making claims on your insurance
We can help you compare numerous policies to center on the one that will offer the best coverage and cost incentives for you and your family.
How do I get my car insurance cost to go down
Many insurers award policy discounts and other savings for certain drivers. However, you can play your own part in this process by always keeping your policy active, and keeping a clean driving record. Insurers are more likely to charge lower rates for drivers who don’t have a lot of risks behind them.
Does Mexico require car insurance?
Falfurrias’s proximity to the U.S. border generates a lot of cross-border traffic. If you decide to drive into Mexico, you must buy Mexican car insurance. Mexico does not recognize American car insurance policies. However, it still requires American drivers to have coverage.
What is Mexican car insurance?
Mexican car insurance complies with all stipulations of Mexican law. Policies can include numerous types of coverage, such as:
- Liability coverage
- Legal assistance
- Physical damage insurance
- Medical coverage
- Travel assistance and trip continuation coverage
The good thing about policies is that you can make them active only for the duration of your trip. Therefore, you’ll be able to drive covered south of the border .
Contact Your Falurrias Car Insurance Specialist Today
Falfurrias residents: Ready to get coverage? Start by getting a free online quote or calling (361) 325-4545(361) 325-4545. You can also stop by our location in Falfurrias. We will be happy to see you!
Falfurrias Homeowners Insurance
Falfurrias’ real estate market is very competitive. All buyers will need homeowners insurance in order to protect themselves, their houses and others. 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
Do I buy home insurance at closing?
You usually need to have your homeowners insurance in place by the time you close on the property. Most mortgage lenders will require you to buy coverage, so you usually must have the policy established before you can finalize the purchase.
What happens if I don't have home insurance?
First, if you don’t have homeowners insurance, you leave yourself and your home exposed to costly risks. If your home sustains damage, you might have no help in the recovery, except from your own savings. The lack of coverage could easily devastate a family’s income and savings.
Also, if you don’t get a policy, you might not be able to qualify for a home mortgage, as many lenders require buyers to purchase this coverage. With no coverage to present, you might actually put a roadblock in the way of making your home-ownership dreams come true.
Can home insurance companies deny coverage?
If an insurance company considers your home too-high of a risk to insure, they might be able to deny your application for coverage. However, this doesn’t mean that all insurance companies will turn you down. Insurers can also deny a policy claim, for reasons like if the policy won’t cover a particular type of loss. We can help you both insure the property, and get ample coverage for existing risk factors.
Can I gt homeowners insurance if my name is not on the deed?
If you are not listed on the deed, then you really don’t need homeowners insurance, because you don’t own the home. However, if a family member, like a spouse or parent owns the home, but you also live there, then their coverage will likely extend to you, too.
Contact Your Falfurrias Homeowners Insurance Specialist Today
Falfurrias residents: Ready to get coverage? Start by getting a free online quote or calling (361) 325-4545(361) 325-4545. You can also stop by our location in Falfurrias. We will be happy to see you!
Falfurrias Renters Insurance
A renters insurance policy can apply to almost any rental property in Texas. Policyholders can insure not only their own property, but also the liabilities and property of others. Policies usually offer:
- Possessions coverage
- Liability insurance
- Expenses coverage
Renters Insurance FAQs
Do I have to buy renters insurance?
Many landlords require renters to buy renters insurance before they move into the property. You therefore need to get as least as much coverage as required of you, and present proof of coverage to the respective party.
Is it worth getting renters insurance?
Even if you don’t have a requirement to buy renters insurance, it is absolutely worth it to buy a policy anyway. Coverage exists to protect you, your family and your personal assets in the rental home. Therefore, it’s a big step in protecting your personal security.
Does renters insurance cover damage to apartment?
If you are at-fault for the apartment damage, then your renters liability insurance might pay for the cost of repairs. That’s because, if you damage the apartment’s structure, you damage someone else’s property. That’s where liability insurance is supposed to help you. However, policies often won’t cover every type of property damage you might cause. Talk to your agent to determine specifics of your policy.
You have no responsibility to pay for home damage from unpreventable occurrences, like severe weather damage. That’s the responsibility of the landlord.
Contact Your Falfurrias Renters Insurance Specialist Today
Falfurrias residents: Ready to get coverage? Start by getting a free online quote or calling (361) 325-4545(361) 325-4545. You can also stop by our location in Falfurrias. We will be happy to see you!
Falfurrias 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 do I need to start a business?
Starting a business means getting the insurance foundations. Most of the time, you can get this coverage through a Business Owners Policy, also called a BOP. BOPs offer numerous types of commercial insurance in one package, usually including structure, contents, liability and business interruption coverage. However, you’ll likely need to augment your BOP with additional policies, so let our agents walk you through the process.
How much is small business insurance per month?
BOPs, on average cost about $1,200/year. However, individual BOPs might cost well in excess of this amount. Talk to one of our agents to find out the right way to structure coverage in affordable ways.
Falfurrias residents: Ready to get coverage? Start by getting a free online quote or calling (361) 325-4545(361) 325-4545. You can also stop by our location in Falfurrias. We will be happy to see you!