Whether you need to make a payment, or request a change on your policy. We are always happy to help you, and as your representatives we are licensed and experienced. That's why you can count on us to give you the best advise and service. Please fill out the form and you will shortly receive assistance from one of our representatives.
Here in Texas, we are legally required to carry auto insurance. We are determined to educate you about your coverages.
Liability: The only mandatory coverage, it covers you in case that your liable on a accident. In Texas the limits are in bodily injury $30,000, which covers injury to one person and $60,000 which will be the limit for each accident. In property damage the lowest limit will be $25,000.
Medical Payments: Pays medical bills to anyone in the car, minimum is $1,000.
PIP: Pays medical bills, lost wages or pain and suffering. Must be rejected if not wanted, minimum is $2,500.
Uninsured/ Underinsured Motorist: It pays you if you are struck by someone with no or too little insurance, covers everyone in your car. The other party must be liable for the accident. Must be rejected if not wanted.
Comprehensive: Coverage for damage to auto other than collision.
Collision: Coverage for damage to your auto.
Homeowner’s coverage doesn’t have to be difficult to understand. A basic Homeowners Insurance Policy will cover the following:
The structure of your home
Personal possessions (up to a set limit)
Living expenses in case of a disaster
You can also add supplemental policies such as:
Valuable Articles/Floater policies
(i.e. Jewelry Insurance)
Umbrella policies (additional liability)
* Commercial Auto: This type of policy covers autos of any size, it is designed differently than a personal auto policy. Commercial Auto policies are designed to cover situations, usage, and coverage amount that a personal policy does not cover.
* General Liability: Protects you and your business in case of injuries, or damage to property resulted by your services, operations or products. General liability policy protects your business against financial loss.
* Commercial Property: This policy is meant to cover the building that your business owns or rents.
* Workers Compensation: Is a form of coverage that replaces wages and medical benefits for injured workers in the course of employment.
* Builders Risk: A policy designed to insure buildings while they are under construction. This policy will protect contractors and builders in the case of an accident.
* Bonds: The bond is a debt security, under which the issuer owes the holders a debt and is obliged to pay them interest or to repay the principal at a later date.
* Business Owners Package (BOP): Designed policy for small businesses with only one or two locations. This policy combines all type of coverages.
* Umbrella: Excess liability policies, is used to provide higher limits. The umbrella will pay after your primary policy is all used up.
* Errors and Omissions: Designed to cover professionals. It covers you against losses that are usually not cover by a general liability, such as errors while doing business.
Here in Texan Endurance Agency LLC, we understand that every business is different. We will help you find the right policy to fit all your coverage needs. Don't hesitate on contacting us, we will answer any question you might have. We'd love to help you protect your business!
We often don't give life insurance the importance it should have. Life insurance is a crucial step in planning for your future and the future of your loved ones.
Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.