Like a teenager eager to try a new video game, playing before reading the rules, many drivers buy insurance without really understanding what they’re buying. In the rush to feel “covered,” they can skip the details and that can lead to frustration.
“Understanding your insurance coverage is not hard – it just takes a few minutes,” says InsureMe Texas agent Ryan Monceaux. “Take the time to talk to an agent and ask questions. Protecting your home or auto is a pretty big deal.”
Myth #1: I bought “full coverage” so everything’s paid for.
Reality: There is no such thing as “full coverage.” In Texas, only liability insurance is mandatory. There are a lot of other coverage options out there, so select what you need and can afford based on your personal situation.
“Full coverage can mean different things to different people. Some agents will tell you that you have “full coverage” when they really mean any coverage in addition to liability,” says InsureMe Texas account executive Brad Trousdale.
Myth #2: I need three estimates before my wrecked vehicle can be repaired.
Reality: Not necessarily. Very few insurers actually require this, although some might. If you decide to use a shop that’s in an insurance company’s “network” of pre-approved shops you may just have to get an estimate from that shop.
Myth #3: If I buy a new car, my auto insurance company automatically knows; and my new car is covered.
Reality: No. Most insurance companies require that you notify them or your agent within a specified number of days. Generally, you have 30 days to add the new vehicle to your policy.
“We understand our clients do not deal with insurance every day and therefore need an experienced friend in the industry,” says Monceaux. “The agents at InsureMe Texas want to be that friend and want to help out – if you buy from us or not. We’ll help you ensure that your coverage protects you and your assets.”
To learn more, contact InsureMe Texas at 866-612-4446.
With the approach of colder weather, Texas residents are reminded that a fast-moving cold front can cause temperatures to drop below freezing within hours.
Outdoor pipes, pipes in unheated areas, and pipes that run along uninsulated exterior walls can burst if the water in them freezes and expands. This can shatter pipe seals or the pipes themselves, sending water pouring through your house.
“It’s important to take measures that will prevent or limit damage to your home,” says InsureMe Texas agent Ryan Monceaux. “Save headache and money by taking action to avoid damage to walls, ceilings, carpets, and furniture.”
If Your Pipes Freeze
If You Have a Loss
In the event of a loss, take these steps to ensure your property is protected:
“It doesn’t take much to protect yourself and your property,” Agent Ryan Monceaux says. “Take the time and use common sense in order to avoid the frustration of damage and a possible claim.” For more information, call InsureMe Texas at 866-612-4446
Ryan Monceaux has been my insurance agent for almost four years. He goes above and beyond to make sure our policies are current and that we are maximizing our dollars. – Janie, Houston
There is never a “right” time to insure your home, cars or your toys – major possessions that need to be covered. But with hurricane season approaching, maybe now is the right time to look at flood insurance. You can get federal flood insurance this winter through the National Flood Insurance Program, and the easiest way is with the help of an InsureMe Texas agent.
Our agents can explain your flood coverage options and give you examples of costs. If you decide to buy flood protection, they can save you time (compared with calling the federal agency directly yourself), since they’re already familiar with the application process.
Some of the things a standard flood policy will cover include:
You can also buy a flood insurance policy to cover the contents of your home, such as furniture, electronics, clothing, jewelry and artwork.
Virtually all homeowners insurance sold in the United States does not protect against the kind of seasonal flooding caused by heavy rain and hurricanes. If you think you might need coverage, please don’t delay. Federal flood insurance has a 30-day waiting period for coverage to take effect once the application has been processed.
To learn more, please call your InsureMe Texas agent at 866-612-4446.
InsureMe Texas agent Ryan Monceaux saved me $500 off my insurance. Premiums kept rising in Baytown and he was able to quickly get me a much more competitive rate. -Dana, Baytown
My wife and I had been having so much trouble with our agent. He wouldn’t return calls and always seemed to busy to help. At renewal, I called InsureMe Texas and Ryan was helpful and responsive from day one. We’re happy we made the switch.” – Doug, Pasadena