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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.

Unexpected Benefits of Signing Up for Health Insurance

Posted on April 30, 2024May 2, 2024 by admin

The good news is that about 304 million Americans — or roughly 92% of people in this country — have health insurance policies. The bad news is that around 26 million people in the U.S. are still without it. If you’re among them, City Centre Insurance Agency LLC can help you secure a health insurance policy in Houston, TX. Discover the unexpected benefits of signing up for health insurance below.

Makes You Healthier Overall

Those in Houston, TX without health insurance don’t typically make it a point to schedule regular check-ups with doctors. This can result in people suffering from certain health conditions unnecessarily. When you obtain a health insurance policy through City Centre Insurance Agency LLC, you can start seeing your primary doctor more and avoid conditions that can compromise your health.

Prevents You From Taking On Medical Debt

Over 20 million Americans have at least $1,000 worth of medical debt, and about half of these people have at least $2,000 worth of medical debt. By obtaining health insurance, you’ll put yourself in a position to get the medical care you need without having to break the bank every time you have to see a doctor or head to the hospital.

Provides You With Peace of Mind

If you’re always walking around worrying about when the next medical emergency within your family is going to take place, you’ll find yourself being stressed out all the time. Knowing you have health insurance to foot the bill for doctor’s visits and emergency room trips will help ease your mind.

Are you interested in shopping for a health insurance policy in Houston, TX? City Centre Insurance Agency LLC would love to assist you. Contact us today to get started.

Is Commercial Insurance Necessary to Have?

Posted on March 29, 2024March 29, 2024 by admin

If you run your own business or are anticipating launching one in the coming months or years, you’re likely familiar with commercial insurance at this point. However, those just starting out and maybe a bit strapped for cash will naturally wonder whether or not they actually need commercial insurance. No matter where you’re in your journey, let’s explore why commercial insurance is often necessary and how you can come here to City Centre Insurance Agency LLC in Houston, TX to get started.

Do You Need Commercial Insurance?

The need for commercial insurance encompasses two main areas: a legal requirement and a need for business protection. Regarding the legality of commercial insurance in Texas, it’s not technically required. However, certain companies may need specific types of commercial insurance, like workers’ compensation, if they’re contracting with the government.

If you don’t legally need it, should you still get it? Absolutely! Commercial insurance protects you if customers or clients sue you if something happens to the building that requires you to repair it or in the event of other financial or physical damages. Even if you don’t have to have it because there are no laws in place to demand it, having it on your side will be worth it should you face challenges in your business that require coverage to overcome them.

Find the Right Commercial Insurance With City Centre Insurance Agency LLC

Are you ready to begin your business journey? Here at City Centre Insurance Agency LLC in Houston, TX, we make it easy to find the right coverage for your business, whether small or big, online or brick-and-mortar or any other kind of business. Contact us today to learn more and compare quotes!

Protect Your Home’s Basement from Natural Disasters

Posted on February 27, 2024February 27, 2024 by admin

Your home’s basement could become damaged during a natural disaster. Use the tips that follow to safeguard the basement. Then, consult an agent about the insurance coverage you need for the basement.

Insulation And Exterior Walls

Insulation and exterior walls prevent heat loss. They also prevent moisture from entering the basement. Have the basement professionally inspected. During the inspection, damaged insulation, cracked walls, and other issues will be identified. Once the repairs have been made, the basement will be protected when inclement weather affects your region.

Drainage

If your basement has flooded in the past, there is a good chance that it could happen again. Poor drainage could be one reason why flooding occurred in the first place. Do an inspection of the property surrounding your home.

The land should be level. Adding gravel and new drain lines to your property could assist with proper drainage. These materials will ensure that rainwater is filtered into the ground. Less water will pool on the property during heavy rainstorms.

Shutters or Other Window Coverings

Shutters or another type of window covering should be used to protect exposed glass panes. The precautions taken may prevent the glass from breaking if high winds are expected during a storm.

Possession Records

Prepare records that list and describe the possessions kept in your basement. Once you have prepared the list, decide which of the belongings you would like to add to your home insurance policy.

Contact City Centre Insurance Agency LLC

Reach out to one of our agents who serves Houston, TX, today. Our agents representing City Centre Insurance Agency LLC are experienced at helping customers like you acquire the insurance coverage they need.