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:
San Marcos 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
Do I need insurance for a stored car?
Most states require drivers to carry continuous auto insurance coverage, and any policy lapses could mean you’ll face a higher premium the next time you buy coverage. That’s why cars in storage usually must have coverage. Still, you might be able to suspend certain coverage (like your collision insurance) for the duration of the time you have the car stored. However, you’ll still have other essential coverages. Some insurers offer this option to help you not have to pay for coverage you don’t need for a time.
Can I show proof of insurance on my phone in Texas?
Yes, as of 2013, you can show proof of insurance on your cell phone. However, you should keep a paper copy of your insurance coverage in your car’s glove compartment.
Do I have to add my teenager to my car insurance in Texas?
Many parents opt to add their teen driver as an insured party on a multi-car policy. This is often helpful because you likely won’t have to pay as much as you would if you bought the teen a separate policy. There is no requirement for you to take this step, however.
I travel between Mexico and Texas. Do I need to buy a Texas policy when I return to Texas?
You have to buy a Mexican car insurance policy to be able to operate your vehicle in Mexico. It’s required by law. Your Texas policy will provide no coverage during your time over the border. However, it will remain active, so you won’t have to worry about restarting coverage on your return.
Contact Your San Marcos Car Insurance Specialist Today
San Marcos residents: Ready to get coverage? Start by getting a free online quote or calling (512) 400-7111(512) 400-7111. You can also stop by our location in San Marcos. We will be happy to see you!
San Marcos Homeowners Insurance
San Marcos’s real estate market is very competitive. All buyers will need homeowners insurance 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
Does my homeowners insurance cover my possessions even when I go on vacation?
Possessions inside your home remain insured by coverage regardless of whether you are at home when a loss occurs. Most policies also cover possessions regardless of whether they were in your home, or you took them on the trip with you. So, if something gets stolen from your hotel, you might have coverage.
I rent out a room. Are my tenants covered by my homeowners policy?
Always notify your insurance company if you plan to rent out rooms in your home. The situation varies as to whether you will have coverage.
- If you only rent out your rooms in short-term rentals, you may need an endorsement on your policy to ensure you have coverage.
- If you make a business out of renting, then you will likely need adjusted coverage, and possibly a hotel or bed-and-breakfast insurance policy.
Also, if you live with a roommate, and the roommate doesn’t share ownership of the home, then they will likely need renters insurance. Talk to your insurer about your exact renting situation .
My mother-in-law lives with us. Are her possessions covered?
Homeowners policies usually insure all the belongings of relatives of the insured homeowner who live in the home. Mothers-in-law are no exceptions. However, tell your agent she is moving in, because you may need to name her on the policy to ensure she receives liability and possessions coverage.
Does homeowners insurance cover my business?
In some cases, coverage will insure items temporarily housed in your home that belong to the business. However, homeowners insurance often does not insure your business or equipment belonging to the business. It only applies to your personal possessions. However, if you have an in-home business, you might be able to buy an endorsement to add to your policy to cover operations.
Contact Your San Marcos Homeowners Insurance Specialist Today
San Marcos residents: Ready to get coverage? Start by getting a free online quote or calling (512) 400-7111(512) 400-7111. You can also stop by our location in San Marcos. We will be happy to see you!
San Marcos 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
Does renters insurance cover business equipment in my home office?
The answer depends on your definition of business equipment. If you have a home office set up with a printer, computer and other assets that you own, then your coverage will likely extend to them.
However, policies usually don’t insure assets belonging to your business. There might be a few limited cases where it will cover items you temporarily brought home. However, if you work from home, then you’ll probably need to adjust your policy to account for the fact you own a home business.
Does renters insurance cover personal injuries?
Most policies provide liability coverage and accidental medical payments coverage in case a guest gets hurt in your home. Some policies cover additional forms of personal injuries like accusations of libel or slander, and their related legal costs.
Is renters insurance paid monthly?
You can usually pay your renters insurance premium each month, though insurers also allow you to pay your premium in-full or in other installments.
Does renters insurance cover food spoilage?
Policies usually cover spoiled food as long as the spoilage occurred as a result of a covered claim, like a power outage from a storm. Leaving meat out too long won’t qualify.
Contact Your San Marcos Renters Insurance Specialist Today
San Marcos residents: Ready to get coverage? Start by getting a free online quote or calling (512) 400-7111(512) 400-7111. You can also stop by our location in San Marcos. We will be happy to see you!
San Marcos 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 type of insurance do I need for my business?
Most small business owners start their policy package with a form of coverage called a business owners policy, or BOP. It contains numerous essential types of coverage, such as property, liability and business interruption coverage. However, you’ll usually need to add additional protection to your portfolio.
If you don’t qualify for a BOP, then you might be able to get what’s called a commercial package policy, or CPP. Packages offer multiple lines of coverage, but they cater to businesses that can’t use BOPs.
How much does a $1-million business insurance policy cost?
BOPs cost, on average, $300 - $1,000/year. Remember, no BOP offers a lump sum of $1 million. Policies contain numerous types of coverage, each of which will have different limits attached.
What is a waiver of subrogation?
Numerous parties (like a business and individual employees) might become lawsuit targets if someone else accuses them both of negligence. By keeping the right to subrogation, you can pursue a claim against the other party’s insurance once your insurance pays on both parties’ behalf. However, if you waive subrogation, then you agree not to go after the other party.
San Marcos residents: Ready to get coverage? Start by getting a free online quote or calling (512) 400-7111(512) 400-7111. You can also stop by our location in San Marcos. We will be happy to see you!