Think about the things in your life that you might need to insure. We can make sure you get that protection and maintain it affordably. Come to us for:
Pasadena Car Insurance
Texas roadways present a variety of accident risks for all drivers and vehicles. From highways to your driveway, you need to have car insurance for your own protection. Most policies can offer at least:
- Liability coverage (30/60/25 limits required by Texas law)
- Collision insurance
- Comprehensive insurance
- Personal injury protection (PIP coverage)
- Uninsured/underinsured coverage
Unique Vehicle Coverage Options: Many drivers don’t qualify for a standard car insurance policy. We’ll help you get specialized coverage options, including:
Our team can compare the policies and prices of credible Texas insurance providers. We can help you find the best possible policy to best protect the important things in your life.
Car Insurance FAQs
Will my auto insurance cover other drivers of my vehicle?
Your policy will often cover other drivers who drive your car. However, you might need to add them as named insureds on the policy. You might want to add everyone of driving age in your home to the policy. This includes teens who have learner’s permits, and are just starting to take driving classes.
Should I have coverage in excess of state required minimums?
The State of Texas requires all drivers to carry minimum amounts of auto liability insurance. You can choose to carry only that minimum limit, or you can choose to buy higher limits. You can also add additional coverage to the policy, that while not required is recommended. The more coverage you have, the more money you might be able to recover from your accident costs.
What factors are causing my premium to be so high?
Numerous risk factors influence policy costs. If you have a higher chance of filing a claim on your policy, then your insurer might have to charge you more. Some of the statistics they examine to set rates are:
- The number of previous claims on your policy
- Whether you were at-fault for a wreck
- The number of tickets or DUIs on your auto policy
If you are concerned about why your rate has suddenly jumped, speak to your Remco agent.
What is gap coverage?
If you finance a new car, then the car’s actual value might depreciate faster than you can pay off the loan. However, if you have a wreck and total the new car, your standard auto policy limits might only pay you for the car’s depreciated value at the time of the wreck. To fill in the cost between what you receive from your insurer, and what you owe on the vehicle, you can make a claim on gap insurance.
Contact Your Pasadena Car Insurance Specialist Today
Pasadena residents: Ready to get coverage? Start by getting a free online quote or calling (713) 588-3200(713) 588-3200. You can also stop by our location in Pasadena. We will be happy to see you!
Pasadena Homeowners Insurance
Pasadena's real estate market is very competitive. All buyers will need homeowners insurance to protect themselves, their houses and others. Policies can offer multiple lines of coverage, including:
- Property/structure insurance
- Possessions and contents coverage
- Scheduled belongings insurance
- Liability insurance
- Pet bite coverage
- Expenses coverage
Homeowners Insurance FAQs
Is home insurance required by law?
Some mortgage lenders are required, by law, to require their borrowers to buy homeowners insurance. This doesn’t apply to all lenders, however. Speak to yours to learn if you have a rule for coverage.
Why do I need homeowners insurance?
Homeowners policies are supposed to help you pay for damage to your house or belongings, and therefore protect your personal assets from losses. So, suppose that a fire guts your home. Homeowners insurance might help you pay to rebuild the home and replace your belongings. It’s a great support for your long-term and overall financial security.
What types of homeowners insurance policies are there?
There are numerous types of homeowners policies on the market, and each will apply to different properties. Furthermore, within each policy, the maximum amounts of money you can receive for a loss might vary. It’s important to speak to your agent about these limits:
- Replacement cost value coverage: This coverage pays you enough money for the property’s value as if it were new.
- Actual cash value coverage: This limit obligates the insurer only to pay you the depreciated cost value of an older item at the time the loss occurs.
Often, policies will pay you the replacement cost of portions of the house itself. Possessions claims, however, are usually paid with the cash value of the items as a factor. However, you can ask if your policy can be upgraded to offer replacement cost coverage.
Contact Your Pasadena Homeowners Insurance Specialist Today
Pasadena residents: Ready to get coverage? Start by getting a free online quote or calling (713) 588-3200(713) 588-3200. You can also stop by our location in Pasadena. We will be happy to see you!
Pasadena Renters Insurance
A renters insurance policy can apply to almost any rental property in Texas. Policyholders can insure not only their own property, but also the liabilities and property of others. Policies usually offer:
- Possessions coverage
- Liability insurance
- Expenses coverage
Renters Insurance FAQs
What information is needed to get renters insurance?
To issue your policy, we will need at least the address of the rental property, as well as the starting and ending dates on your lease, and information on those who will occupy the property (pets included). We can also help you choose the appropriate coverage limits for your possessions and liabilities.
Does renters insurance cover tenant damage?
If you cause damage to the rental property itself, then your liability insurance might help you indemnify the landlord for the property damage. Coverage will cover your own possession as long as a covered event, like a fire or theft, damages the belongings.
Does my landlord's insurance cover my stuff?
Usually, no. You possessions are your responsibility to insure and protect. They do not belong to the landlord. One of the few occasions when the landlord’s insurance will cover your belongings is if the landlord causes or is liable for the damage they sustain.
Contact Your Pasadena Renters Insurance Specialist Today
Pasadena residents: Ready to get coverage? Start by getting a free online quote or calling (713) 588-3200(713) 588-3200. You can also stop by our location in Pasadena. We will be happy to see you!
Pasadena Business Insurance
Every business needs insurance. To get the right coverage, you will rely on multiple policy options like:
- Business Owners Policies (BOPs)
- Structure and contents coverage
- General liability insurance
- Business interruption insurance
- Commercial auto insurance
- Workers’ compensation insurance
Business Insurance FAQs
What drives the cost of business insurance coverage?
Numerous factors might influence your policy costs, including:
- The type of coverage you buy, your limits and deductibles
- Your industry and net worth
- The size of the company
Your Remco agent is an expert not only in how to balance your initial premium, but also in how to help you tap into savings incentives, like flexible deductibles and numerous discounts.
What's covered in a BOP?
A BOP is a package of insurance coverage, each of which can apply to different risks you face within the operation. Policies usually offer at least:
- Property & contents insurance
- General liability coverage
- Business interruption coverage
You can also expand the BOP with various other options. However, certain policies, like workers’ compensation and commercial auto coverage, you must buy separately.
How much liability coverage do I need?
Liability insurance is supposed to help you pay for the losses that your mistakes cause other people, like your clients. Often, a liability claim can lead to lawsuits, not to mention the settlements you eventually owe third parties. Usually, it is a good idea to carry enough coverage to reflect the full net worth of the business. You will also likely need several types of liability coverage to really achieve full protection.
Pasadena residents: Ready to get coverage? Start by getting a free online quote or calling (713) 588-3200(713) 588-3200. You can also stop by our location in Pasadena. We will be happy to see you!