List of Personal Insurance -Texas P&C Insurance Agencies, Inc.

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. Depending on where you live - a house, apartment, or condominium, the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered events. Your policy can also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

If you lease property to live in such an apartment or a house, you still need insurance. Renters' insurance provides both liability coverage and personal property coverage for the insured, but does not cover the dwelling or structure becuase you do not own it. Under renters' insurance, it is the property owners responibility to cover the structure, but not the personal property you, the renter, put in the structure. That's were Renters' Insurance comes in.

If you own property that you lease to others as a place to live and not a business, you need to protect it and your interest in it against normal losses that can be insured for under a residential rental insurance policy. This policy was primarily used to protect against loss by fire, but has been modified over the years to provide coverage against most perils that homeowner policies cover.

Other than fire, there is nothing more destructive to your home than water damage. Yet too many homeowners make the mistake of assuming that their homeowner's insurance covers flood damage. Spring thaw and other types of extreme weather can cause major flooding. Is your home protected?

Motorcycle insurance is for two- and three-wheeled motorcycles licensed for use on public roads. Whether your buying your first bike or have been riding for years, you owe it to yourself to ride knowing that you and your bike are fully covered by the best policy for your needs.

Boat insurance in Texas is absolutely necessary no matter where the boat is. Your boat may not sit on the water all year, but your must carry insurance for the boat in case of an emergency. You are bound by law in the state of Texas to have insurance for every watercraft you own. Your boat or Jet Ski must have an insurance policy that will provide for you in the event of a crash or loss. Boat insurance in Texas comes from the same agents who write your auto and home policies, but the policies must be specific to each craft. Coverage for your craft cannot exceed the craft’s value, and you must ask your insurance agent to advise you on the type of policy that is needed for each vehicle.

Umbrella insurance is extra liability insurance. This type of insurance policy is designed to help protect you from major claims and lawsuits and, as a result, it helps protect your assets and your future.

There are many varieties of life insurance. Some of the more common types are discussed below.
Term life insurance
Term life insurance is designed to provide financial protection for a specific period of time, such as 10 or 20 years. With traditional term insurance, the premium payment amount stays the same for the coverage period you select. After that period, policies may offer continued coverage, usually at a substantially higher premium payment rate. Term life insurance is generally less expensive than permanent life insurance.

Annuities are insurance products that provide long-term income through a stream of future payments. While investment annuities save money for retirement and beneficiaries, structured settlement annuities stem from personal-injury legal cases, wrongful-death claims or lottery payouts. When unexpected circumstances arise and require immediate funds, you can sell these payments for a lump sum of cash.