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Health Insurance – Family Coverage Guidelines

Posted on February 28, 2025February 25, 2025 by admin

Are you prepared to handle a medical emergency? Not having adequate health insurance could be detrimental. Consider your family’s needs, and then research health insurance policies that provide coverage for each family member.

Existing Conditions

Consider existing medical conditions that will require recurring healthcare services. If you are currently responsible for out-of-pocket costs, you may eventually encounter a situation in which you won’t be able to afford care services. Medical bills can accumulate quickly, causing great financial distress. A family care plan that includes coverage for existing conditions may provide the relief you need.

Future Medical Care Needs

Even if you and your family are not currently facing any health issues, this may not be the case in the future. As you and your loved ones get older, medical care needs may change.

If a concern such as aging has come to mind, obtaining a family care plan may be beneficial now. A family care plan will provide adequate coverage for any medical needs that arise when you least expect them.

Family Composition Changes

If you expand your family, your family’s healthcare needs will change. Adding a new baby to your family will increase the amount of medical services that need to be provided. Right now is a good time to pursue health insurance coverage that will suit the changes your family will go through in the future.

Get An Insurance Agent’s Guidance

Are you ready to compare family health plans? Give one of our agents who serve Houston, TX a call. An insurance agent from City Centre Insurance Agency LLC will ask you some questions about your family’s current and future medical needs. The agent will advise you and prepare your family health insurance policy.

What is Directors and Officers (D&O) Liability?

Posted on January 31, 2025January 29, 2025 by admin

A component of commercial insurance that is often overlooked is Directors and Officers (D&O) liability insurance. While it may seem unnecessary, it’s extremely beneficial when needed. Managing an organization involves a lot of work, and having directors and officers who fail to meet requirements or face false claims will need coverage. If you’re considering including this in your commercial insurance policy in Houston, TX, our City Centre Insurance Agency LLC agents can assist.

Understanding D&O Liability Coverage

D&O liability covers claims such as mismanagement, breach of fiduciary duty, misrepresentation, and employment practices. These policies also include regulatory violations. Incorporating these into an insurance plan is important, as the policy can help cover legal defense costs, settlements, and regulatory investigation expenses.

Exclusions From D&O Insurance

D&O insurance often has an exclusion list that you should be aware of. They often will not cover any illegal acts, such as criminal activity or fraud. They also will not cover gains obtained illegally. Any wrongful acts will also not be covered under D&O insurance policies. Understanding your policy’s limitations is essential, as you don’t want to find yourself in a situation where you are expecting coverage and don’t have it.

How We Can Assist

D&O insurance coverage is complex and often varies depending on the provider. You should discuss terms with a qualified agent to ensure that you’re getting what you need. At City Centre Insurance Agency LLC, we’re here to help. If you live in the Houston, TX, area, we’re ready to assist you and guide you through your different policy options.

Insurance Coverage You May Need While Installing a Residential Deck

Posted on December 31, 2024January 4, 2025 by admin

Securing the right insurance coverage is crucial before starting a residential deck installation project. When updating your home insurance policy, keep the following details in mind.

Planning Your Residential Deck Project

Installing a residential deck increases your living space and enhances your home’s overall value. Before you update your home insurance policy, prepare detailed plans for the deck installation.

Make a list of the deck materials and tools you’ll be using for the construction. Consider how often you’ll use the deck and note down the types of items that will be stored on it. Plan the layout of the deck’s entryway. All these planning processes should be reviewed when you’re ready to update your home insurance to cover the decking materials.

Liability Protection

Liability protection is a type of insurance that covers you during the deck installation. It provides protection in case someone gets injured while the deck is being installed or if personal property is damaged during the installation. When seeking a liability insurance plan, consider the complexity of the decking project. A complex deck project requiring many steps may need more liability protection than a basic deck installation project.

Material and Tool Coverage

Personal possession coverage will protect the decking materials and tools you’ll use to complete the project. It also protects against vandalism, theft, and damage from natural disasters.

Contact an Agent in Houston, TX

Contact an agent from City Centre Insurance Agency LLC to discuss your deck project. An agent will advise you on the types of home insurance coverage suitable for your project.

How Is Comprehensive Auto Insurance Different From Full Coverage Auto Insurance?

Posted on November 27, 2024November 26, 2024 by admin

If you drive a car, then you need to have insurance. Almost all states require basic liability auto insurance. As a driver, you may opt to get a few optional auto insurance types. In this article, we’ll review comprehensive and full-coverage auto insurance.

Comprehensive auto insurance is optional and can supplement your basic liability insurance. Full coverage auto insurance is a type of insurance policy that includes many insurance types, including liability and comprehensive auto insurance. The professionals at City Centre Insurance Agency LLC, servicing Houston, TX, can help you determine which type is right for you. Here’s what you need to know.

What is Comprehensive Auto Insurance?

Comprehensive auto insurance is a type of auto insurance that will pay to repair or replace damage to your vehicle that is not caused by a collision. An example of this would be if your car burned up in a wildfire. Under these circumstances, comprehensive auto insurance would pay to repair or replace your vehicle. Comprehensive auto insurance can also pay to replace your vehicle if it is stolen.

What Is Full Coverage Auto Insurance?

Full coverage auto insurance is a type of auto insurance that includes basically all types of auto insurance policies, including basic liability and comprehensive auto insurance. It will pay to repair or replace your vehicle if it is damaged in a collision, no matter who is at fault.

Full coverage auto insurance will also pay to repair or replace a damaged vehicle if you cause a collision. It also includes all the protections that come with comprehensive auto insurance (described above).

Are you not sure which type of auto insurance is right for you? Contact the professionals at City Centre Insurance Agency LLC, servicing Houston, TX. We can help!

Situations That Warrant Short-Term Liability Protection

Posted on October 28, 2024October 25, 2024 by admin

Short-term liability insurance offers adequate protection when conducting scheduled services that won’t take long to complete. Consider some situations that warrant carrying this type of insurance coverage.

Contractor Jobs

A business contractor typically handles jobs of varying levels of complexity. Each job may not take long. The circumstances of an independent contractor’s work may change so often that their insurance needs to change, too.

Obtaining short-term liability protection offers contractors a flexible way to customize the insurance coverage that is needed. They can base the coverage on the actual job they will be performing and the type of setting where the work will take place.

Liability protection will cover tools and equipment used from the onset of a contracting project. It will also cover accidental injuries and damage to property used at the location where contracting duties are being executed.

Remote Jobs

Photographers, wedding planners, and caterers are some examples of professionals who often perform work duties in remote locations.

Because job duties and settings change each time a new job is done, a professional’s liability concerns will likely change, too. A short-term liability protection plan will cover damage and injuries in each work setting.

Professionals can acquire short-term coverage whenever they are planning to schedule a new job. The coverage will protect against unforeseen events resulting in property damage or injury to a person.

Get Insurance Advice on Short-Term Liability

Meet with one of our agents who serves Houston, TX. An agent from City Centre Insurance Agency LLC will inquire about the types of jobs that you are typically hired for. After determining your risk level, they will formulate a short-term liability plan to protect your best interests.

Can You Take Out a Life Insurance Policy For Your Parents and Are There Benefits to Doing So?

Posted on September 30, 2024September 30, 2024 by admin

At City Centre Insurance Agency LLC, which provides life insurance in the Houston, TX, area, we often encounter questions about the feasibility of procuring life insurance for parents. It is indeed a thoughtful consideration, and a better understanding can help you make an informed decision.

Is it Feasible?

The answer is yes. You can acquire a life insurance policy for your parents. However, there are a few steps involved. Firstly, you’ll need their permission—they must consent to the coverage. Additionally, you’ll need to demonstrate an insurable interest: their demise financially impacts you.

Advantages of Insuring Your Parents

Ensuring a life insurance policy for your parents offers several benefits. Primarily, it can aid in covering end-of-life expenses like funeral costs. These costs can represent a significant financial burden during a grievously tricky time. This insurance ensures that you can concentrate on honoring their life instead of grappling with financial concerns.

Another advantage involves dealing with existing debts or medical bills. If your parents have substantial loans or healthcare costs, a life insurance policy can furnish the funds required to handle these liabilities, preventing them from becoming your responsibility.

Planning for the Future

When contemplating life insurance for your parents, it is imperative to evaluate both their and your financial situation. Open discussions on these topics can lead to a better comprehension of their wishes and the best ways to support them.

If you’re considering this option, contact us at City Centre Insurance Agency LLC, serving the Houston, TX area and its surroundings. Our team is prepared to assist you in exploring the best policies tailored to your family’s needs, ensuring peace of mind for everyone involved.

Unexpected Benefits of Signing Up for Health Insurance

Posted on August 30, 2024August 29, 2024 by admin

About 92% of Americans, approximately 304 million people, have health insurance policies. However, around 26 million people in the U.S. still don’t have one. If you are in Houston, TX, and are among those without insurance, City Centre Insurance Agency LLC can help you secure a health insurance policy. Let’s explore some unexpected benefits of having health insurance.

Promotes Overall Health

People in Houston, TX without health insurance often neglect to schedule regular check-ups with doctors, which could lead to lingering health conditions. Having a health insurance policy through City Centre Insurance Agency LLC enables you to regularly consult your primary doctor and prevent conditions that might hamper your well-being.

Prevents Accumulation of Medical Debt

Over 20 million Americans face at least $1,000 in medical debt, and about half of these carry at least $2,000 in such debts. By obtaining health insurance, you minimize out-of-pocket expenses while receiving the necessary medical care.

Delivers Peace of Mind

Continual worry about potential medical emergencies can be a source of stress. Having health insurance to handle the costs of doctor’s visits and hospital stays can provide much-needed peace of mind.

If you’re interested in acquiring a health insurance policy in Houston, TX, City Centre Insurance Agency LLC is ready to assist. Contact us today to learn more.

Why Your Business Needs Worker’s Compensation Insurance

Posted on July 31, 2024July 31, 2024 by admin

Sole proprietor businesses often consist of just one person running everything, making workers’ compensation insurance unnecessary. However, this type of insurance policy is a must for larger businesses. If you have even a single employee, whether full-time or part-time, they need to be covered by workers’ compensation. To secure a workers’ compensation policy, feel free to contact us at City Centre Insurance Agency LLC in Houston, TX.

Injuries at Work Are Common

Workplace accidents are an ever-present danger when you have employees. You may operate heavy machinery or have an office without any apparent hazards – in either case, accidents can happen. People can fall down at any time, leading to potential injuries. Regardless of the severity, injury treatment can be costly. There are countless potential workplace hazards and, consequently, numerous injuries that can occur. Hence, it’s crucial to ensure safety at work. Part of that safety includes protection for your business; workers’ compensation insurance forms part of that protective shield.

The Cost of Injuries

Injuries can cost thousands of dollars, even if they are relatively minor. A severe accident can result in costs running into hundreds of thousands of dollars. Alongside immediate medical bills, there may be costs for ongoing therapies and possibly disability. If you lack workers’ compensation insurance, your business would have to bear all those costs. Having the right insurance can help you avoid such exorbitant outlays.

Secure Your Workers’ Compensation Insurance

As a business operator, having this type of insurance is vital for protecting you and your employees. If you wish to discuss workers’ compensation insurance options, contact us at City Centre Insurance Agency LLC in Houston, TX.

Tips for the First Time Homeowner

Posted on June 28, 2024June 25, 2024 by admin

Congratulations, you’ve become a homeowner. Whether you’ve saved up enough to purchase the quintessential American Dream or inherited a dwelling, you now own property. You’ve done the basic tasks—moved in your belongings, transferred your cable, updated your address, and discarded the last owner’s questionable decor. But what comes next?

The Homeowner’s Primer

First off, you should understand that maintenance falls under your purview now. You may opt to do it yourself or hire professionals. You’ll need to budget for property taxes and home insurance, both recurring and potentially legally required expenditures. Utilities are another essential consideration for keeping your home functional. If you’re part of a Homeowners Association, don’t forget about the associated fees. Get involved with neighborhood associations and local events. Home improvement projects may be desirable or even necessary, especially if you’ve acquired an older home. Refreshing paint or wallpaper could be first on your list. Regular mortgage payments allow you to build equity, leading to financial stability and future opportunities.

City Centre Insurance Agency LLC Now Serves Houston, TX Homeowners

If you’re a homeowner in the Houston, TX area in need of home insurance, feel free to contact City Centre Insurance Agency LLC. Our experienced and knowledgeable agents will do their best to find the policy you need.

My Car Was Vandalized! Now What?

Posted on May 31, 2024June 6, 2024 by admin

So, someone got mad at you and took it out on your car. Maybe they weren’t even angry at you, but the Astros lost, and some rioters came after your vehicle. Shame on them. Hopefully, you were smart enough to get auto insurance. If your car was insured, you may be able to recoup your losses in the event of vandalization.

What is Vandalism?

The legal definition of vandalism is an intentional act that mars, destroys, defaces, alters, or otherwise damages another person’s property. This includes spray paint, keying the paint job, slashing tires, breaking windows and/or mirrors, egging, and other malicious damage.

What to Do Now

Call the police on a non-emergency line. They will take down a report and provide a copy for your insurance claim. An arrest will likely only be made if you catch someone in the act. If you can prove this person did the damage, they may be court-ordered to pay for repairs or replacement. Otherwise, your insurance will have to cover it. Take care not to disturb any evidence after you come to the scene of the crime. Take out your phone and take pictures from multiple angles. Contact your insurer to report the incident and discuss repairs. The adjuster will let you know where to have the repairs done. Please do not attempt to do it yourself.

City Centre Insurance Agency LLC Serving Houston, TX

Get auto insurance before you need it. If you are in the Houston, TX, area and are in the market for auto insurance, contact City Centre Insurance Agency LLC. Our courteous and knowledgeable agents will do all they can to help you find the policy that best suits your needs.