Call Us CALL US TODAY | (800) 282-2000

Seguin Auto, Home, Renters and Business Insurance 

Remco Insurance is proud to serve you throughout Seguin

Located just outside urban San Antonio, Seguin offers a world of difference from the city. It’s one of Texas’ best-preserved historic communities. It is one of the state’s oldest cities, and today it’s still home to one of the U.S.’s largest concentrations of concrete buildings from the 19th century.

Seguin’s proximity to the city makes it a great place for commuters and families. For help protecting all your most-treasured assets when settling down, choose Remco Insurance Agencies as your insurance partner. We offer numerous policy options for cars, homes, businesses and more.

Free Insurance Quote from Remco Seguin

Click to Begin Your Free Insurance Quote

Welcome to Seguin from Remco Insurance

Our team of experts will find the best policy to fit your needs and budget.

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:

 Auto Insurance Info (click to read more)

Seguin 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

Does insurance follow the car or the driver in Texas?

You buy car insurance because you want to insure a specific vehicle. Specific types of coverage, like collision and comprehensive damage insurance might cover the car.

However, you will also want to protect drivers themselves. That’s where your liability coverage comes into play. Your policy might allow other drivers to drive your car as long as they have your permission to do so. In other, you might have to name prospective drivers on the policy.

Your policy will likely offer coverage for when you drive another vehicle you don’t own, like a friend’s car. Still, your policy might only include liability coverage when you drive a car you don’t own. For this reason, the vehicle’s owner will need their own coverage as well.

Is car insurance required in Texas?

Yes, all drivers registered in Texas must carry auto liability insurance with the following limits:

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

This coverage will help you pay for the damage you cause to other parties if you are at-fault for an accident. You can increase the coverage on your policy beyond these minimum limits.

I cannot afford car insurance. What can I do?

The fact is that every driver in Texas needs car insurance. If you think you can’t afford coverage, that doesn’t mean you shouldn’t attempt to get it. Speak to your agent about your options for getting coverage. They can advise you on cost savings potential and your eligibility for discounts.

I am required to have an SR-22. Where do I purchase SR-22 coverage?

SR-22s are forms that the State of Texas requires certain high-risk drivers to file with the Department of Public Safety. The forms prove that the driver in question has car insurance. Your Remco Insurance agent can help you make any necessary changes to your policy to ensure you can file for the certificate. Get more info on SR-22 coverage and a free quote.

Contact Your Seguin Car Insurance Specialist Today

Seguin residents: Ready to get coverage? Start by getting a free online quote or calling (830) 433-8888. You can also stop by our location in Seguin. We will be happy to see you!

 Home Insurance Info (click to read more)

Seguin Homeowners Insurance

Seguin’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

Should I have cash value or replacement coverage home insurance?

If you file a homeowners insurance claim, your policy might pay you either the actual cash value (ACV) or the replacement cost value (RCV) of certain items. ACV coverage only pays the depreciated value of the item at the time of the loss. RCV policies will pay you enough money to replace the item with a similar one of similar value. It’s usually always better to carry RCV policies.

What is the 80% rule in insurance?

The 80% rule is a bit complicated to understand. Basically, it states that you must buy coverage worth at least 80% of the home’s value in order to receive full compensation for any claim.

Suppose you have a home that is worth $200,000. However, when you buy dwelling coverage, you only buy $100,000 in protection. That $100,000 figure is only 50% of the total value—less than the 80% rule.

You should have bought at least $160,000 to surpass this rule. Because you didn’t, the insurer might only compensate you for the percentage difference of $100,000/$160,000, which equals 62.5%. Therefore, if you file a claim for $30,000 in damage, the insurer might only pay you $18,750 (which is 62.5% of $30,000). You’ll be on the line for the remaining costs.

Is dwelling coverage the same as replacement cost coverage?

Most dwelling coverage will agree to pay you the home’s replacement cost value in case damage occurs. This is the value of the house itself, minus the cost of the land on which it sits. It’s not exactly the same thing as the selling price of the home.

Contact Your Seguin Homeowners Insurance Specialist Today

Seguin residents: Ready to get coverage? Start by getting a free online quote or calling (830) 433-8888. You can also stop by our location in Seguin. We will be happy to see you!

 Renters Insurance (click to read more)

Seguin 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

Do both roommates need renters insurance?

While in some cases, roommates can buy one renters insurance policy, this often leads to complications. If two roommates live together in a rented apartment, then it’s almost always easier to get separate renters policies. This allows roommates to keep their possessions, liabilities and portfolios separate.

Keep in mind, if one roommate owns the home, while the other roommate rents, the owner will need homeowners insurance instead of a renters policy. The tenant will still need renters coverage, however

How much renters insurance do I need?

On one hand, you might have to buy renters insurance that includes a coverage requirement instituted by your landlord. Still, you can usually increase these limits more to your satisfaction. You should always carry enough possessions insurance, for example, to cover a total loss of important belongings.

Contact Your Seguin Renters Insurance Specialist Today

Seguin residents: Ready to get coverage? Start by getting a free online quote or calling (830) 433-8888. You can also stop by our location in Seguin. We will be happy to see you!

 Business Insurance Info (click to read more)

Seguin 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 business insurance is required by law?

There are many types of business insurance required by law, such as workers’ compensation insurance or commercial auto insurance. Texas law technically doesn’t require workers’ comp insurance, but it still allows clients to sue you for injury losses. Therefore, you’re much better off carrying coverage. 

How much is small business insurance per month?

If you choose to start your coverage by buying a BOP, you’ll get several critical types of protection within one place. They cost an average of $1,200/year. However, numerous factors like your industry, the size of your business and other factors will impact your BOP’s costs.

Seguin residents: Ready to get coverage? Start by getting a free online quote or calling (830) 433-8888. You can also stop by our location in Seguin. We will be happy to see you!

The agents at Remco Insurance know how to help clients get the right personal or commercial insurance. We will use our thirty years of experience to help you enroll in affordable, targeted coverage.

Seguin Remco Insurance Location(s)

500 N. 123 Bypass
Seguin, TX 78255
Phone Number (830) 433-8888
Fax Number (830) 433-4782
Auto Insurance AUTO
Home Insurance HOME
Business Insurance BUSINESS
Renters Insurance RENTERS
Watercraft Insurance WATERCRAFT
Motorcycle Insurance MOTORCYCLE
Classic Cars Insurance CLASSIC CARS
SR22 Insurance SR22
24Hr Roadside 24HR ROADSIDE
© Copyright 2018. All rights reserved. Rahim Peerbhai - Amco and Remco Insurance Companies