Understanding Your Car Insurance Coverage

In Houston, TX, you are required to carry a certain amount of auto insurance. Do you really know what that entails? Memorial Insurance Agency would like to break it down for you so you can have a better understanding of what having car insurance means for you.

Types of Auto Coverage

You can have different and specific types of coverage. It’s really based on your needs. If you work out of your home and don’t drive very often, you may need only the basic coverage. If you travel every day to work or school, you may need additional coverage.

Liability Insurance Policies

Because we don’t know the future, liability insurance is there to cover any accidents that may arise.

Bodily injury liability — pays the individuals that are injured if you cause or are found to be at fault for an accident.

Property damage liability — is used for the cost of damages related to another person’s property if you cause damage to their property while in control of your vehicle. This can include a house, mailbox, building, or other property that is damaged.

Optional Insurance Coverage for Your Vehicle

Collision coverage — is used in instances where you are involved in a vehicle-to-vehicle or vehicle-to-object crash. It helps to cover the cost of your vehicle’s damages.

Comprehensive coverage — is to be paid if your vehicle is stolen or damaged. The damage cannot be caused by a collision. For example, if someone vandalizes your van or steals it, you could use comprehensive coverage to have your vehicle replaced.

To find out the specifics of what is covered in your policy, you will need to talk with the experts at Memorial Insurance Agency in Houston, TX. We can also help you add coverage or begin a new policy.

22 Years Young! Happy Anniversary to us!

It’s not all work and no play here at Memorial Insurance Agency! We celebrated our 22nd anniversary with a fun night of bowling, followed by delicious Italian food. Our customer service representatives work very hard looking after our clients, so it is nice to have an opportunity to relax and unwind.

Here’s to the next 22 years looking after our clients, our community, and our awesome team!

Top 5 Fall Home Maintenance Tips

Fall is the time when coastal Texans bid goodbye to our storm season, and other parts of the country prepare for theirs! But although we do not usually get “winter storms”, there are still some commonsense things you can do to make sure your home is ready for the cooler months:

  1. Take care of trees and shrubs: Falling tree limbs are one of the leading causes of damage to homes – and one of the main reasons for home insurance claims. Inspect your trees carefully for any signs of disease, and have a professional arborist prune any dead branches.
  2. Clean gutters and downspouts: After the last of the leaves have fallen, be sure to remove them from roofs, gutters, and downspouts. Clogged gutters can cause rainwater to pool, and lead to roof or siding damage. Moreover, excess leaves constitute a fire hazard – insurance carriers will usually request that you remove the leaves if they inspect your home.
  3. Make exterior repairs: Maybe it’s finally time to replace that roof or siding! It is also important to seal any gaps, to prevent rodents and other vermin entering the home as the weather cools. Thinking of moving your home to another insurance carrier? Be aware that insurance companies will conduct a home inspection, and can refuse to insure your home unless it’s in good condition and any necessary repairs are made.
  4. Check safety devices: Test all your smoke alarms, and replace the batteries if necessary. Check the expiry dates on your fire extinguishers.
  5. Clean dryer vents: Lint buildup in dryer vents not only makes your dryer less energy efficient, but can also cause a fire. If you don’t know how to remove the lint yourself, call a professional to give your vents the once-over and make sure you’re in good shape for the dry winter season.

Give Memorial Insurance Agency in Houston a call if you have any questions about your homeowners insurance!