Auto Insurance FAQs

Automobile insurance is a unique type of expense. It is probably one of the only expenses you pay that is required by law. Because of the heavy consequences associated with auto insurance, it is imperative that you make smart insurance choices. At Boss Insurance Agency, serving Kingwood, TX, we make it our business to help clients make good insurance moves. Keep reading to learn more. 

Auto Insurance FAQs

What Happens If I Don’t Have Auto Insurance?

If you allow your insurance to lapse, or if you do not carry insurance at all, you could face stiff legal consequences. In most states, you are required by law to carry a minimum of liability coverage. If you fail to do this, it could affect your ability to hold a license in your state. 

If you are in an accident when you do not have insurance, you will be held personally responsible for the damage to other vehicles involved and for medical expenses for the other drivers. You may even face more legal consequences if the other drivers choose to pursue legal action against you. 

What Does Auto Insurance Provide?

Auto insurance will provide money to pay for the cost of damage to other vehicles in the event of a car accident in which you are at fault. It can also provide money for medical bills for those other drivers. 

Auto insurance can also provide money for expenses incurred on your vehicle in an accident. If your vehicle is damaged another way, such as a hail storm, the policy will also pay for that. 

If you would like to learn more about auto insurance, or any of our other insurance services, please contact us at Boss Insurance Agency, serving Kingwood, TX and the surrounding areas. 

Whole Life Insurance vs Term Life Insurance In Texas

When you’re searching for life insurance in Kingwood, TX the two major types of life insurance you need to consider are term life insurance and whole life insurance. Here’s what you need to know about these types of life insurance policies and their benefits.

What Is Whole Life Insurance?

Whole life insurance is insurance that provides coverage for your entire life. The premium for whole life insurance will remain the same, but the premium for this insurance is higher than the premium for term life insurance. There is an investment component in whole life insurance policies known as "cash value". The cash value of this type of policy grows at a steady, guaranteed rate throughout the life of the policy. Over time, you can borrow money against this policy or surrender the policy for its cash value.

What Should You Consider When You Are Shopping for Whole Life Insurance?

When you are shopping for whole life insurance, there are a few factors you need to take into consideration:

  • How much money your family will need to maintain their current lifestyle if something were to happen to you
  • The amount of cash value each policy will accrue over time
  • Considering if you have a beneficiary who will require the security of the death benefit throughout your life

With whole life insurance, you will be able to receive annual dividends from your insurance companies, such as Boss Insurance Agency.

What Is Term Life Insurance?

Term life insurance is an insurance policy that provides a death benefit payment to the beneficiary if the policyholder passes away within the insurance policy term. The terms of this type of life insurance policy are 10, 20, or 30 years.

One of the benefits of term life insurance is that this type of insurance premium is inexpensive, making it easier to purchase more coverage at once. Like whole life insurance, the premium for term life insurance will remain the same throughout the policy term.

What Should You Consider When You Are Shopping for Term Life Insurance?

When you are shopping for term life insurance, consider these three factors:

  • The length of term that best fits your family’s needs
  • The amount your family would need to maintain their current lifestyle if you passed away
  • What you will do once your insurance policy expires

In Kingwood, TX, it is important to have a life insurance plan in place to cover funeral expenses and provide for your family when you pass away. At Boss Insurance Agency, we provide a variety of insurance policies. Contact us to learn about our insurance policies and how we can help you.


How Much Home Insurance Do I Need?

Whether you are buying your first home or your tenth, knowing how much homeowners insurance to purchase is always a challenge. Not having enough coverage may result in lower premiums, but it may not rebuild the entirety of your home in a disaster whereas too much coverage can result in higher premiums. Given that a home is likely the most expensive purchase you’ll ever make, it is important to have a quality homeowners insurance policy that safeguards both your house and your belongings. Not only does a policy cover damage to your home from covered incidents, but also it offers liability protection from claims such as personal injuries and pet-related accidents.

Although homeowners insurance coverage can vary from one policy to the next, the most commonly covered perils include:

  • Lightning strikes
  • Riots or protests
  • Theft
  • Vandalism
  • Falling objects
  • Explosions
  • Damage from a vehicle or aircraft
  • Volcanic eruptions
  • Windstorms and hail

Keep in mind that a homeowners insurance plan will not cover every peril with the most commonly excluded items being floods, earthquakes, and sewer backup. Separate policies can be purchased for these items.

If you have a mortgage, your lender will require that you carry homeowners insurance. When deciding how much coverage to purchase, you’ll want to have enough to rebuild your home, replace your belongings, cover injuries and damages that occur while on your property, and reimburse your living expenses should you be forced to live elsewhere, post covered incident. Dwelling coverage is the type of insurance that helps pay to repair or rebuild your home and any structures such as garage, porch, or patio that are damaged by a covered incident. You’ll want your dwelling coverage to equal your home’s replacement cost. A reputable insurance agency like Boss Insurance Agency in Kingwood, TX can work with you and an appraiser to determine the right amount of insurance that you need. 

Homeowners Need To Know About Flood Insurance

Most homeowners know they need home insurance in place in order to protect the investment they have made in their house, but few realize how flood insurance can impact their home protection. At Boss Insurance Agency, serving Kingwood, TX, we make it our goal to provide the best insurance information for our clients so that they can make the best insurance choices. Keep reading to learn what you need to know about flood insurance. 

Is Home Insurance Enough?

It is important for homeowners to realize that most home insurance policies do not provide flood insurance. You should note that flooding within your home because of a problem with plumbing or a malfunctioning appliance is not the same as flooding that results from a natural disaster. Most home insurance policies do not provide coverage for flooding of this nature. 

Why Is Flood Insurance Not Included?

The risk of flooding varies greatly from one region to another in the United States. This makes it difficult for insurance underwriters to create policies that suit many homeowners. Each individual homeowner will need to have their property evaluated by an insurance professional in order to create a flood insurance policy. 

What Should Homeowners Do?

If you want to add flood insurance to your home owner’s policy, you will need to sit down with an insurance representative. This professional will be able to help you better understand how you can add this important type of coverage to your existing policy. 

If you would like to learn more about flood insurance or any of our other insurance products, please contact us at Boss Insurance Agency serving Kingwood, TX, and the surrounding areas. We will be happy to answer your insurance questions. 

Why You Need Health Insurance

At Boss Insurance Agency, we work with many people who believe that they don’t need health insurance. These individuals end up experiencing real issues in Kingwood, TX that affect their overall well-being. Here are a few reasons why you should seriously consider health insurance.

Reasons Why You Need Health Insurance

If you still don’t think that you need health insurance, we have news for you: everybody does. Even if you’re young and in relatively good health, insurance can protect you in many surprising ways. Here are three reasons why you will need this type of policy in your life:

  • Accidents Can Happen – You never know when you’re going to experience an accident or suffer from worsened health that impacts you. Health insurance protects you and minimizes danger.
  • Health Bills are High – American health treatments are among the best in the world and the most expensive. Health insurance keeps you financially strong and minimizes your financial issues.
  • Aging is Not Easy – Unfortunately, it is not uncommon for people to need more health protection as they age. Thankfully, health insurance can pay for these bills and keep you safe and healthy.

Try to seek out a health insurance policy that fits into your financial situation, including one that you can easily afford. You also need to make sure that you talk with an insurance broker about other elements, such as your deductibles, copayments, and any other factors that may affect you.

Keep Yourself Safe

If you need health insurance in Kingwood, TX, and want to work with a team you can trust, please contact us at Boss Insurance Agency right away to learn more. Our team of professionals will work with you to understand what is happening and ensure that you get protected in any way possible.

Does Auto Insurance Cover Stolen Property?

You woke up to a smashed window in your car and missing items. Does auto insurance cover your losses? It depends. Before we look at the scenarios, let’s review two critical factors of these claims. 

1 – Is it installed or part of the vehicle? Auto insurance only covers damage or loss to the insured vehicle. That means if the item is loose, like a portable device or a laptop bag, you’ll want to file the claim with your homeowner’s or renter’s insurance.
2 – Do you have enough comprehensive coverage? Vandalism and theft fall into comprehensive coverage. If you do not have any, or your deductible is too high to be of use, your coverage may be insufficient. 

Stolen Radio
Installed? Then it is covered under comprehensive. If your radio is a portable device, file with your homeowner’s or renter’s policy.

It’s important to note that if you have installed expensive aftermarket stereo parts, let your agent know and ensure your coverage is sufficient to protect your investment. 

Keyed Paint, Slashed Tires, and Vandalism

Covered, however, you might encounter betterment in this claim, particularly for tires. Insurance is legally obligated to bring your car back to the state it was in just before the accident and not beyond – what they call betterment. So, for example, they will replace a damaged tire with a new tire but subtract an estimated cost based on the existing wear and tear on the tread. 

Broken Windows

Smash and grab is a common tactic of thieves, and broken or damaged windows are covered under a comprehensive claim. Similarly, if the thieves broke into your steering column or damaged your door lock, those would be paid for with a comprehensive claim. 

Laptops, Bags, Purses, and Loose Items

Stolen items that are NOT connected physically to your car are not covered under your auto policy at all. File a claim with your homeowner’s or renter’s policy to get coverage for them. Better yet, avoid leaving tempting valuables in the car. 

To make sure you have all the coverage you need in Kingwood, TX, call or stop by Boss Insurance Agency today. We can help you navigate your policy and make sure you are adequately protected. 

ABCs of Life Insurance

Have you ever wondered what would happen to your dependents if you weren’t there? It would be difficult, but life insurance would help them manage their financial obligations. Unfortunately, most people think that they don’t need life insurance — but they are wrong. Others think that life insurance is for the old and those with chronic illnesses — they are wrong, too.

Given that life insurance is one of the most misunderstood topics, Boss Insurance Agency of Kingwood, TX has taken time to dissect life insurance to its basics. Here is what you need to know about life insurance.

Types of life insurance

There are different types of life insurance policies, but they are broadly categorized into two, namely:

  • Term life insurance: This coverage protects for a limited period. It could be 10, 15, 20, or 30 years. Most people start with this policy because it’s the most straightforward and affordable policy.
  • Whole life insurance: This coverage is for a lifetime and has other subcategories. Your beneficiaries get death benefits when you pass on. However, you can still benefit from this coverage when you are alive. It accumulates a cash value that you can borrow against or supplement your retirement income. 

Who needs life insurance?

Life insurance isn’t about dependents only — other categories of people need it too. You need life insurance if:

  • You have debts
  • Own a business
  • Want to live an inheritance
  • Love peace of mind
  • Want to finance your final expenses

The best time to buy life insurance is now

Don’t wait to buy life insurance when you are old and weary — it will be expensive and won’t accumulate as many benefits. The best time to purchase life insurance is today — and if you are young, it’s even better because the premiums are more affordable.

Buy life insurance in Kingwood, TX

Would you like to buy life insurance to protect what matters most? Why don’t you get in touch with Boss Insurance Agency? We will choose for you a life insurance plan that suits your budget and other needs.

Preparing your home for an emergency

An emergency can strike at almost any time. Whether it is a tornado, a flood, or a winter freeze, being prepared will make the whole situation a lot less stressful. At Boss Insurance Agency in Kingwood, TX, we have 15 years of experience helping our clients find reliable and affordable insurance coverage. As an independent insurance agency, our loyalty is to our customers, not to one particular carrier which allows us to provide more choices, and ultimately, you will get the best possible deal. 

Stock up

You won’t always have a warning, but when you get into the season where emergencies are likely to pop up, make sure you have at least a 7-day supply of necessities, including water. Keep in mind that if you lose power, you may not have tap water or a flushing toilet. 

Have a generator

Having a generator can make all the difference between sweltering in a hot home or sitting in your cooled home. It also helps keep your food from spoiling in your refrigerator or freezer. You don’t have to spend a fortune to have this backup. Be sure to have enough fuel to fill it up at least once. 

Have an evacuation route

Plan ahead with the entire family. Know where you are supposed to meet and the route you will take to get to safety. This plan can save lives. Review your plan frequently and make any changes you need to make it work. 

Have your important papers together

If you are in danger you may forget where things are. Have all your important papers in one place preferably in a fire and waterproof container that you can grab and take with you in the event you are forced to evacuate. Your home insurance policy should be in the container as well as your inventory. 

Contact Boss Insurance Agency in Kingwood, TX with your home insurance needs. 

Do I need Flood Insurance in Kingwood if I Already Have House Insurance?

Home insurance is important. Boss Insurance Agency reminds you that home insurance protects your home from unknown events that could cause damage. Often called "Acts of God," or "Acts of Nature," these types of events can cause damage to your home. One of them is a flood.

That is why many people think that they don’t have to have flood insurance if they already have house insurance. But is this really accurate?

Not exactly.

You need home insurance to protect your home from any type of damage that might occur. This can include the following events:

  • Floods
  • Earthquake
  • Tornado and storms
  • Hurricanes
  • Vandalism and Theft
  • Mudslides
  • Sink Holes

These are just a few examples. But as you can see, house insurance covers a lot of different things. The problem is that the amount of flood insurance you have within your current home insurance policy may not cover you for all of the damage you experience in a flood. 

Definition of a Flood

A flood is defined as any time water touches your property or your home sufficient to cause damage to the property itself or the content within. Different flood insurance policies cover different levels and types of damage, so read the fine print. 

Better yet, get in touch with one of our flood insurance experts at Boss Insurance Agency of Kingwood, TX to share your concerns. Even if you are not in a direct flood plain, recent data shows that you have at least a 12% chance of experiencing a major flood in your area in the state of Texas at some time during your lifetime. 

Get in the Ark

Kingwood, TX residents have a good chance of flood, even if they live outside of a flood plain. Visit with your Boss Insurance Agency today and rest assured that, when the rains come, you’ll have an ark to save you.

What Does Preventive Care Mean and Is It Covered?

One of the trickiest parts of insurance in Kingwood, TX, and all over the country, is determining what is and isn’t covered. So what does preventative care mean? And how do you know if it is covered by your insurance? Boss Insurance Agency has all the answers to your insurance questions. 

Preventive Care is a health care service that is routine and designed to prevent health issues or diseases before they arise.  These include annual check-ups and physicals, screenings, blood work, dental cleanings, eye exams and patient counseling.

A wide range of potential illnesses can be prevented by attending these preventive care visits or problems can be caught very early, meaning they are much less costly to treat.

Almost all insurance plans cover some preventive care at no cost to the patients, such as:

  • Annual physicals
  • Blood work
  • Testing for cholesterol levels, diabetes (blood sugar) and blood pressure levels
  • Annual well woman exams (which includes Pap smears to screen for cervical and other reproductive cancers)
  • Well-baby and well-child visits (through age 21)
  • Vaccinations against diseases such as polio, mumps, measles, meningitis and others
  • Vaccinations for viral infections such as the flu
  • Screenings for many cancers, including colonoscopies and mammograms
  • Counseling on health related topics such as losing weight, quitting smoking or drinking, managing mental health issues, exercising and more

Preventive care is typically done once per year and the services covered vary from plan to plan. Some plans may offer more extensive preventive services. It’s important to take advantage of whatever preventive services your plan offers to ensure you stay ahead of any more serious medical issues before they develop.

The team at Boss Insurance Agency, serving Kingwood, TX are standing by to answer your questions today!