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Who needs motorcycle insurance in Texas?

If you reside or work in the Tomball, TX area, you will likely know how important it is that you have a reliable way to get around town. As you are looking for a new mode of transportation here, choosing a motorcycle can be a good option. If you do have a motorcycle, it will give you a fun and efficient way to get around. When you drive one of these vehicles, you also need insurance for it in various situations.

Why Motorcycle Insurance?

When Taking Out a Loan

A situation when you will need to have an insurance plan for your motorcycle will come when you take out a loan. As a motorcycle can be an expensive asset, taking out a loan to finance it is common. If you do take out a loan, you will need to meet any requirements set by the lender. In most cases, this will include having a motorcycle insurance policy as it helps to protect the lender’s collateral.

When Driving on Public Road

You also will need to have a motorcycle insurance plan when you intend to drive the car on a public road. If you want to use any type of vehicle on a road in Texas, you need to carry liability insurance. This coverage is important as it ensures you can cover the costs of damage that may be caused during an accident. Without coverage, you will also be in violation of state law. 

Get Motorcycle Insurance Today

Those that live in the Tomball, TX area need to ensure they always have proper insurance. Once you are ready to start looking for coverage, it would be wise to call the Great Southern Agency. There are a lot of important choices to make and the Great Southern Agency can help you build a plan that will meet your needs. 

What To Do If You Damage Someone Else’s Property With Your Boat

No one likes to think about the possibility of damaging someone else’s property, but it’s always best to be prepared for the worst. So, what happens if you accidentally damage another person’s property with your boat? Great Southern Agency in Tomball, TX is here to explain the steps you should take.

What Steps You Should Take

The first thing you should do is assess the situation and determine whether or not anyone is hurt. If there are any injuries, call 911 immediately. Once you’ve determined that everyone is safe, you should try to locate the property owner so that you can let them know what happened and offer to pay for any damages. If the owner isn’t around, leave a note with your contact information and an explanation of what happened. 

Next, you’ll need to contact your insurance company to inform them about the incident. They will likely send an adjuster to assess the damage and determine how much your policy will cover. Once you have an estimate of the damages, you can begin making repairs. 

If the repairs are minor, you may be able to handle them yourself. However, if the damage is more severe, you’ll need to hire a professional. Be sure to get multiple estimates before making a decision, as repair costs can vary significantly from one contractor to the next. 

Contact Us Today

No one wants to think about damaging someone else’s property, but it’s always best to be prepared for the worst. If you accidentally damage another person’s property with your boat, you should first assess the situation and determine whether or not anyone is hurt. If there are any injuries, call 911 immediately. Once you’ve determined that everyone is safe, try to locate the owner of the property so that you can let them know what happened and offer to pay for any damages.

Contact Great Southern Agency or come to our offices in Tomball, TX for comprehensive insurance services.

How Umbrella Insurance Works

When you have auto and home insurance already, you might not have all of the protection you need to keep you from being financially vulnerable. It’s a good idea to have an umbrella insurance policy in order to leave yourself better protected in the event of an accident. When you want to be well-protected, call us today at Great Southern Agency in Tomball, TX to learn more about umbrella insurance and to get started. 

Umbrella Insurance and Liability

When you own a home and a vehicle, you have liability for certain accidents that can happen. In your home, it’s possible for a third party to come to your home and to have an accident there that leaves them injured, and you would be liable for their medical bills. In your vehicle, auto accidents are common, and you are liable for paying for the medical bills of those who are injured when you are at fault for the accident. Umbrella insurance adds liability coverage onto both of these policies so that you are better protected against both of these types of accidents with just one policy. 

Insurance Payments

When there is an accident in your vehicle or in your home, and you are liable for paying for someone’s injuries, your home or auto policy will come into the picture first. The home or auto policy will pay for the resulting bills up to its stated maximum payment amount. After that, your umbrella policy will step in to pay what is left over so that you aren’t left holding the bill for overages. This can save you a lot of money with better liability coverage.

Get Your Umbrella Policy

If you want to be better covered for liability, it’s smart to have umbrella insurance. Call us at Great Southern Agency in Tomball, TX.

Does Flood Insurance Cover Total Home Replacement?

You must have flood insurance if your home is in a flood zone. But what does that mean? And what does it cover? Most people think flood insurance is something that covers the damage caused by water. And while that’s true, it’s not the entire story. Flood insurance also covers the cost of rebuilding your home if it’s destroyed. Great Southern Agency in Tomball, TX offers this guide in navigating this important insurance coverage. 

Do I Need Flood Insurance?

The first question you need to ask is whether you’re required to have flood insurance. There are a few ways to find out. First, check your mortgage documents. If your lender says you need flood insurance, then you do. It’s that simple.

Second, check your local flood maps. If you live in a high-risk area, you probably need flood insurance. FEMA designates these areas as having a 1% or greater chance of flooding any year.

Your Great Southern Agency representative can help determine if you need flood insurance and how much coverage is right for you.

What Does Flood Insurance Cover?

Most people think flood insurance is something that covers the damage caused by water. And while that’s true, it’s not the entire story. Flood insurance also covers the cost of rebuilding your home if it’s destroyed.

Flood insurance covers buildings and personal belongings. This coverage includes the structure of your home, including the foundation. Personal items can include items like furniture, clothing, and appliances.

How Much Does Flood Insurance Cost?

The cost of flood insurance depends on several factors, including the value of your home, location, and the amount of coverage you need.

Give Us A Call

The best way to get an accurate price for flood insurance in Tomball, TX is to speak with a Great Southern Agency representative. We’ll work with you to determine the right amount of coverage for your needs and get you the best possible price.

The Dos and Don’ts of Condo Insurance

Owning a condominium comes with a unique set of responsibilities. Not only are you responsible for the maintenance of your unit, but you also share common areas with your neighbors. As a result, it’s important to have the right insurance coverage in place in case of an accident or incident. But with so many different options available, it can be difficult to know where to start. Great Southern Agency in Tomball, TX offers this guide in navigating this important coverage.

The Dos and Don’ts of Condo Insurance

Do: Make Sure Your Condominium Association Has Insurance

Your condominium association is responsible for insuring the common areas of your building, such as the lobby, hallways, and roof. However, this insurance does not cover your personal belongings or unit. That’s why it’s important to have your own condo insurance policy in place.

Don’t: Rely on Your Condominium Association’s Insurance for Everything

While your condominium association’s insurance will cover some things, it’s important to remember that it will not cover your personal belongings or unit. That’s why you must have your own condo insurance policy.

Do: Know What Your Condominium Association’s Master Policy Covers

Before purchasing a condo insurance policy, it’s important to know what coverage your condominium association’s master policy provides. This will help you avoid duplication of coverage and ensure you’re properly protected.

Don’t: Forget About Personal Liability Coverage

Personal liability coverage is important for any type of insurance policy, but it’s especially important for condo owners. This coverage will protect you in the event that someone is injured in your unit or if you’re found responsible for damages to another unit.

Do: Consider Additional Coverage for High-Value Items

If you have any high-value items in your unit, such as jewelry, art, or electronics, you may want to consider purchasing additional coverage for them. Many condo insurance policies limit the amount of coverage for personal belongings, so it’s important to ensure you’re properly protected.

Don’t: Wait Until Something Happens to Get Insurance

It’s important to remember that insurance is not a luxury; it’s a necessity. And, like any other type of insurance, it’s important to have it in place before you need it. Waiting until something happens to get insurance is not only risky, but it could also be too late.

Get Condo Insurance in Tomball, TX

The bottom line is that condo insurance is a must for all owners. By following the dos and don’ts above, you can ensure you’re properly protected. If you have any questions about your coverage or if you need help finding the right policy for your needs, contact Great Southern Agency today. We’re here to help.

What Are Some Common Recreational Activities That Are Covered?

Recreational activities covered by insurance can vary by company. Most standard plans cover activities like skiing, scuba diving, and snowboarding. You might need to upgrade your plan or get additional coverage to participate in more dangerous activities like rock climbing or skydiving. 

Many insurance companies also offer add-on plans that let you extend your coverage to activities like hiking, camping, and sightseeing. These plans are less expensive than purchasing a plan for every activity. You may however have a higher deductible, limit on benefits, or a smaller coverage limit. Some insurers offer special policies for kids. It’s advisable to shop around and compare different plans to find the right fit for you.  Great Southern Agency in Tomball, TX offers you this guide in navigating recreational insurance.

What Are Some Common Recreational Activities That Are Covered?

Insurance can be used to protect against the cost of many leisure activities, such as sports, travel, and hobbies. If something happens that causes you to pay high medical bills, your policy could cover it. 

If you are on vacation and are involved in an automobile accident, that could be covered by your policy. Your policy could cover if you are taking up a new hobby, such as collecting stamps, and it damages someone else’s property.

If you are taking a trip and are delayed due to bad weather, your policy could cover that. 

The list of activities that your health insurance may cover can vary by plan. Many plans offer partial or full coverage for fitness activities like yoga and weight lifting. It may include other activities like sailing and ice skating. 

Some plans may also offer coverage for diet and nutrition programs, ranging from Weight Watchers to a program that helps you increase your intake of fruits and vegetables. 

Finally, you may also be covered if you undergo a treatment such as acupuncture, massage therapy, or physical therapy to help you manage stress, impacting your physical health. For recreational activities’ coverage, consult Great Southern Agency in Tomball, TX.

Is It Worth Having Renters Insurance if I Live In a Safe Neighborhood?

Many people think that renters insurance is unnecessary for people who live in safe neighborhoods. But whether or not your area is considered "safe," it’s essential to consider the truth of the matter: You can never predict when disaster might strike. Here are four reasons you should still have renters insurance, even if you live in a safe area.

1. Your Belongings Might Not Be as Safe as You Think

Theft is not the only thing that could happen to your belongings. Natural disasters, such as fires and water, can also cause serious damage to your property. Renters insurance can help you replace or repair your belongings if damaged or destroyed in a disaster.

2. You Might Not Have Enough Money to Repair or Replace Your Belongings

If something does happen to your belongings, you might not have enough money to repair or replace them. Renters insurance can help you pay for the repairs or replacements, so you don’t have to worry about paying out of pocket.

3. Your Landlord’s Insurance Will Not Cover Your Belongings

Even if your landlord has insurance, it will not cover your belongings. Renters insurance is the only way to ensure that you are protected if something happens to your property.

4.  You Get Liability Coverage

Renters insurance also provides liability coverage, protecting you if someone gets injured while in your home. This coverage can help you pay for the costs of medical care and any legal fees that might arise. This is important to have, especially if you have pets.

Get Renters Insurance in Tomball, TX

Although you may feel safe living in a particular area, it’s important to remember that disasters can happen anywhere. Make sure you are protected by having renters insurance. Great Southern Agency can help you find the right policy for your needs. Give us a call today.

Guide to Safely Driving a Motorcycle

While it is impossible to deny the fun factor that motorcycles possess, they are far more dangerous than driving a car. With a motorcyclist 30 times more likely to be in a fatal accident compared to a motorist per the Insurance Information Institute, it is imperative that motorcyclists practice safe driving techniques while on the road.

Purchase the Right Gear

Looking your best may be a priority for a normal life, but when you are on a motorcycle, you need to prioritize function and safety over the fashion of your outfit. Wearing shorts and a t-shirt – no matter how hot it is outside – or simply jeans will not protect your extremities during an accident. Motorcyclists should be wearing a DOT-approved helmet, specially designed motorcycle jacket and pants that allow for ventilation, and gloves for hand protection. 

Steer Clear of Distractions

A motorcyclist should avoid distractions like their phone, but they also need to be aware of other motorists. Whether a driver is sipping their Starbucks, fixing their hair for work, or on a cell phone, distracted driving is on the rise, posing a significant threat to motorcyclists. If you notice a vehicle veering from its lane or driving erratically, pass when safe or slow down to avoid potential issues. 

Watch for Debris

Sand, gravel, water, and other debris can be a motorcyclist’s worst nightmare. Consequently, it would be best if you always were looking ahead and remain vigilant for unstable road conditions. 

Ultimately, one of the best ways to protect yourself and others while on a ride is to have adequate motorcycle insurance. The knowledgeable team at Great Southern Agency in Tomball, TX is looking forward to helping you with your motorcycle insurance needs.

Why Texas Residents Need Boat Insurance While They’re Out On The Water

Great Southern Agency provides coverage to the Tomball, TX community. We believe that hospitality and making our clients feel welcome makes a huge difference. We offer flexible policies designed to meet the needs of our clients in every situation. For over 30 years, we have helped our clients find the coverage they need to protect what matters most. We are confident that we can help you protect your assets.

Why Texas Residents Need Boat Insurance

Boating is a popular hobby throughout Tomball, TX. On warm summer days, many residents enjoy going out on the water and having fun with friends and family. However, it’s important that you have some protection while you’re out on the water. Accidents can occur at any time. That’s why boat insurance is an asset. Boat insurance covers multiple types of boats, so you should be able to find a policy that aligns with your needs. The terms of your policy may differ depending on whether you have a traditional watercraft, sailboat, or powerboat.  

Boat insurance covers you if the boat sustains damage or somebody vandalizes it. Most of your personal items on the boat are covered if there are damaged. However, you may need to amend your policy if you have special accessories attached to your boat such as an anchor. Liability coverage protects your boat from accidentally causing damage to someone else’s property. You are also covered if one of the guests on your boat is injured. Pay attention to the policy’s navigational limits. The navigational limits outline the places that you are allowed to sail and still remain covered.

Great Southern Agency Will Help You Cover Your Assets

Visit our website to learn more information about boat insurance.

Umbrella insurance FAQs

Umbrella insurance is one type of insurance that confuses most people. They don’t know what it is and if it is worth having. At Great Southern Agency in Tomball, TX, we are independent insurance agents and we work for our clients, not for an insurance company. You can count on us explaining things to you so you have the information you need to make an educated decision. 

What is umbrella insurance?

Umbrella insurance is excess liability insurance. It supplements other insurance policies that you have with liability coverage. Some of the policies that have liability are home, condo, renters, auto, boat, and motorcycle. In the event that you have to use your liability coverage, your primary policy will cover to its limit and then your umbrella policy will kick in. 

Who needs umbrella insurance?

Almost everyone can benefit from umbrella insurance. Do you own a home? Do you have additional assets? Have you put aside some savings? Do you have a retirement account? Protecting all of these things is vital. What are the liability limits on your insurance policies? Will they leave you holding the bag in the event you need to use your liability protection?  Once you have the answer to these questions, you should be able to determine if umbrella insurance is a good option for you. 

Can I buy umbrella insurance without having other insurance?

No,  you can’t. Umbrella insurance is not a stand-alone policy. It is additional liability coverage in addition to the liability coverage that you have on another policy. 

Do only the rich benefit from umbrella insurance? 

No, it doesn’t matter how many assets you have, if you want to protect them, umbrella insurance is an affordable option. 

Call Great Southern Agency in Tomball, TX when you are ready to talk about how umbrella insurance might be right for you.