Personal Lines Insurance

Personal Lines Insurance options in Houston, Texas

Let us help you find the best insurance coverage to help you protect you and your loved ones. We have been providing insurance to families in Houston, Texas for over 25 years, and we can offer you a wide variety of coverage and protection options for your home and vehicles. We can dramatically reduce your liability or damages and the dollar amount you might have to pay out of pocket to remedy an situation in case of an unfortunate event.

Auto
Boat
Yacht
Motorcycle
RV
SR-22
Teen Driver
Condo
Home
Mobile Home
Personal Umbrella
Renter

Collision Coverage
Collision coverage pays for damage to your car without regard to who caused an accident. The company must pay for the repair or up to the actual cash value of your vehicle, minus your deductible.

Comprehensive Coverage
Comprehensive coverage covers physical damage other than collision. That is to say, it pays for damage to or loss of your automobile from causes other than accidents. These include events such as hail, vandalism, flood, fire, and theft.

Liability Coverage
Liability insurance pays for injuries to the other party and damages to the other vehicle resulting from an accident you caused. It also pays if the accident was caused by someone covered by your policy, including a driver operating your car with your permission.

Liability Limits
Liability limits are the maximum amount your liability policy will pay. Your policy must pay at least $25,000 for each injured person, up to a total of $50,000 per accident, and $25,000 for property damage per accident. This basic coverage is called "25/50/25" coverage.

Medical Payments and Personal Injury Protection (PIP)
PIP coverage pays both for limited medical and funeral expenses if you, a family member, or a passenger in your car is injured or killed in a motor vehicle accident. PIP also pays lost-income benefits.

Uninsured/underinsured motorist (UM/UIM) coverage
Uninsured/underinsured coverage pays for property damage and your injuries caused by a hit-and-run driver or a motorist without the proper insurance. It will also pay when your medical and car repair bills are higher than the other driver´s liability coverage.