By law, Texas requires all registered vehicles to carry:

• $30,000 bodily injury liability coverage per person
• $60,000 bodily injury liability coverage per accident
• $25,000 property damage liability coverage

Liability insurance protects you against the damage you cause to other parties. For example, if you rear-end another car, then the accident is likely your fault. Liability coverage will provide a payout to others harmed by your actions. It can help with things like their vehicle damage and bodily injuries.

Beyond the required 30/60/25 coverage, you have the chance to add more coverage to your policy.

The more protection you carry, the more costs you’ll have covered by your policy should you go to file a claim. That’s more money in your pocket when you need it most. You should have enough coverage to protect the full value of the vehicle and your personal driving risks.

Every driver has unique insurance needs. Therefore, what works for the car next to you on the road might not work for you. How do you know when you have the right protection?

Ask yourself: If I have a wreck, does my policy pay enough to help me fix the damage or buy a new car?

That might seem like a hard question to answer on your own. Instead, let one of our agents take the lead. We have the expertise to compare the policy options of countless Texas insurers to help you get the coverage that is the best fit for you. We’ll coordinate all the perks and costs of coverage to ensure you always get the maximum benefit of coverage.

We recommend you consider adding extra coverage to your policy. Ask your agent about:

• Higher liability limits: There is no guarantee that the state’s minimum liability limits will cover all of a third party’s losses. By getting more coverage, you’ll be able to provide them with more money that you don’t have to pay on your own.
• Collision insurance: After a car wreck, use this coverage to pay for your vehicle damage.
• Comprehensive insurance: This coverage pays for damage to your car that comes from non-accident hazards. It might cover damage from fires, severe weather, theft, vandalism and more.
• Personal injury protection (PIP coverage): If you or your passengers get hurt in a wreck, this coverage can help you pay for medical bills. It might also pay for other costs, like lost income.
• Rental car reimbursement: Coverage will pay to help you get a temporary vehicle while you don’t have access to your personal car.
• Roadside assistance: Many insurers provide services to deliver gas, tire changes and towing services to stranded motorists.

You might hear comprehensive coverage and full coverage used interchangeably. They are not the same.

Comprehensive insurance is the coverage within your policy that will apply to non-accident vehicle damage. Full coverage is a time when you have the most-beneficial protection for you and your vehicle. Generally, to get full coverage, you need to have comprehensive insurance on your policy.

 

It’s really all about protecting yourself financially.

• If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or any passengers are injured in an accident, medical costs can be extremely expensive.
• If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.
• Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Why break the bank trying to afford your policy? Our agents know that price matters to you. We will gladly help you get maximized coverage while maintaining the most-affordable prices for your coverage.

There are dozens of car insurance providers in Texas. Here at New Day Insurance we work with a multitude of the nations best companies and will compare their policy options to hone in on one that has appropriate coverage for you as well as make sure you can obtain the best cost-benefit for the coverage you choose.

Questions to ask your agent:

Your New Day Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

• How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
• What is the insurance company’s level of service and ability to pay claims?
• What discounts are available? (Ask about good driver, multiple policy and student discounts.)
• What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

We know what you’re looking for. You’re looking for a car insurance quote with the best possible coverage at the best possible price. What you don’t want is some “fly by night” insurance agency or agent who forgets that you exist once they receive your down payment. We strongly believe in providing superior service after the sale because our goal is to keep you as an auto insurance customer as long as possible

Homeowners Insurance is about financial security. It can help you when costly accidents happen at home that you would rather avoid. When all issaid and done, you will benefit from coverage.

Let’ s say that something like a fire, tornado or hail damages your home. Repair bills might skyrocket. Some items and possessions might even be total losses. You might not have the money on hand to replace these items without facing financial trouble. A claim on your home’s insurance can help you avoid those cost losses that you don’t want to have to deal with.

Texas law does not explicitly require homeowners to carry home insurance. However, it does allow mortgage lenders to require loan applicants to carry coverage. Therefore, if you plan to finance your home, you’ll probably have to keep a policy.

What does coverage include?

All home policies differ, but they all usually contain a lot of similar pieces. Within a policy, you can find:

Structure protection: Coverage can insure your house, garage and often detached buildings on the property. It can cover you in case of damage from fires, weather, theft and similar hazards.

Possessions insurance: This coverage pays for damaged belongings. Protection might cover everything from food in the pantry to computer systems in your office and clothes in the closet.

Liability coverage: If you harm someone else or damage their property, you can use this coverage to compensate them. Coverage will often pay for incidents on or off your property.

Additional expense protection: Do you need to move out temporarily after an accident at home? Let this coverage reimburse you for expenses like dining or hotel bills.

A standard homeowners policy will have a lot of rock-solid coverage for multiple risks around your house. Yet, you might not have coverage for things like floods, hurricane-force winds and earthquakes.

Weather-related floods, like from river swells, usually don’t have coverage under standard home insurance. You’ll likely need a flood insurance policy backed by the National Flood Insurance Program (NFIP). Keep in mind, certain water damage, like from burst pipes, might still have coverage on your standard homeowners policy.

Wind damage will usually have coverage under your standard home policy. However, if you live in an area prone to hurricanes, then you might need a special policy endorsement.

Earthquakes usually doesn’t have coverage under a standard home policy. However, agents can often add endorsements to your policy to protect against these risks.

Talk to one of our agents about whether you qualify for flood, wind and quake insurance. We’ll do everything we can to add this coverage to your policy. Keep in mind, damage brought on by normal wear and tear will almost never have coverage on any policy.

Everyone’s home will have a unique value and face a unique set of risks. Such factors will influence how much you will have to pay for your policy. Some of the factors that influence premiums might include:

• The policy limits you choose
• Your home’s value
• Your location
• The value of your possessions
• Whether you have a pet
• Your claims history
• Proximities to police, fire and ambulance services

Generally, the more risks you have, the more you might have to pay for your policy. However, we’ll help you get the right balance of coverage to financially protect you, but also keep your rates affordable.

Most home insurance policies will include deductibles that you will have to pay for certain damage. In Texas, deductibles generally range from $500 to $2,500. So, if you have a $5,000 policy claim and a $1,000 deductible, you will pay the $1,000. Then, your policy will pay the remaining $4,000 of the claim.

Generally, if you choose a higher deductible, your insurer will reduce your policy premium because you will now represent a lower risk to them. So, getting a high deductible might prove to your advantage. However, keep in mind, if you choose too high a deductible, you might not get full help from a policy claim. For example, if you have a $1,000 deductible and only a $500 claim, then you will receive no help from your policy. Could you afford to pay that $500 on your own? So, your security will depend on finding the right balance of deductible and affordability.

There are dozens of homeowners insurance providers in Texas. There are also a lot of policies that might fit your needs. However, you can usually find only one that offers you the best cost benefit.

Here at New Day Insurance, we can compare the policy options of multiple providers to hone in on one that has appropriate coverage for you. However, we’ll also make sure you can obtain the best cost-benefit for the coverage you choose. Our goal is to always provide you the best coverage at the best price to meet the needs of your family.

Your New Day Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

• How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
• What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
• How much medical and liability coverage should I have?
• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
• What’s the process for filing and settling a claim?

Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.

Maintaining a good driving record with no violations will also help reduce your premiums.

Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.

Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.

We know what you’re looking for. You’re looking for an insurance agent you can trust to be there when you need them. You also want a quote with the best possible coverage at the best possible price. We strongly believe in providing superior service after the sale because our goal is to keep you as a customer as long as possible.

Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. In order to help pay for any damage you inadvertently inflict, you should secure liability insurance. This policy can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant.

Liability coverage will have limits that work on both a per-incident and per-policy basis. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.

After you’ve considered the potential liabilities you are exposed to while operating a recreational vehicle, it’s time to secure coverage for the value of the vehicle itself. Recreational vehicle coverage can include financial compensation in the event of physical damage, vandalism, theft and collision. In addition, your policy may allow for reimbursement of personal effects stored on a vehicle such as an RV, boat or snowmobile.

In some cases, you may want to consider adding specialized coverage for additional risks including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full time, you may need extended protection so be sure to discuss that with your agent.