Renter’s Insurance in Laredo, TX

If you are renting an apartment in Laredo, TX, you may want to consider purchasing renter’s insurance.  Renter’s insurance helps cover against losses to your personal belongings as well as any personal liability.  For example, should a fire happen in the downstairs unit of an apartment and your stuff burns, how will you replace your belongings?  Renter’s insurance is a way to replace your belongings after a covered loss such as s fire.  Another coverage found in renter’s insurance is personal liability coverage.  Personal liability helps protect against personal lawsuit.  The cost of renters insurance is affordable.  Many times the rates for renter’s insurance is less than $20 per month and if it is combined with your auto insurance it may be even cheaper!  Is it wise to have renter’s insurance?  Absolutely!

For a no-obligation quote on renter’s insurance call us.

Alfredo Gonzalez, is a licensed property and casualty insurance agent in Laredo, TX serving all of Texas.  (956)729-9500 http://affordableinsurancelaredo.com/renters-insurance/

 

Health Insurance Plans in Laredo, TX

The health insurance open enrollment period has begun.  According to the Affordable Care Act (aka, Obamacare) you may purchase health insurance during designated times of the year called open enrollment or during a special enrollment period.  Because we live in a border town, Laredo, TX, many families have members that do have current visas.  But don’t let that discourage you from buying health insurance.  Although you must reside in our country legally to purchase health insurance for yourself, the law does not allow us to ask the immigration status of other family members who are not applying for health insurance.  The immigration status will be asked only of people applying for health insurance and that’s it.

 

Alfredo Gonzalez, is a licensed health insurance agent in Laredo, TX serving all of Texas.  (956)729-9500 http://affordableinsurancelaredo.com/health-insurance/

Do I Need to Add All Drivers on My Auto Insurance Policy in Laredo, TX?

Do I need to disclose all the drivers in my auto insurance policy in Laredo, Texas?  My sarcastic answer to that question is, “Do you want to commit insurance fraud?”  Of course, you must disclose all drivers on an auto insurance policy!  Most car insurance policies will have coverage for permissive drivers, which are drivers that have your permission to use your car but DO NOT have regular access to your car such as a household member.  A friend visiting you one evening for a barbeque uses your car to go the grocery store for supplies would be considered a permissive driver and thus would have coverage on MOST, not all, car insurance policies.  On the other hand, a household resident or someone who has regular access to your car must be listed on an auto insurance policy.  Should an accident happen, an insurance claim, especially a large one, could be denied.  Don’t be fooled by the insurance agent that tells you otherwise.  Should you encounter such unscrupulous agent fire him and hire an honest one.  Remember, it is YOUR SIGNATURE that goes on the dotted line!

 

Fred Gonzalez, is owner/operator of AlphaSure Affordable Insurance in Laredo, TX.  (956)729-9500 http://affordableinsurancelaredo.com/auto-insurance/  AlphaSure Affordable Insurance is an insurance agency licensed to sell and service insurance policies in Texas.

Are Insurance Rates Higher in Laredo, TX than other Cities?

This is a question that we are asked often especially when someone moves to Laredo, TX.  The answer is quite simply, “It depends.”  Home insurance rates are typically lower in Laredo compared to, for example Houston.  However, there is an upward trend due to an extremely high number of law suits filed against home insurers in Webb County.  But that topic I will leave for another discussion.  Insurance premiums are “zip-code sensitive.”  Generally speaking, car insurance rates in Laredo, TX are lower than that of other bigger cities in Texas.  However, driver age, marital status, homeowner status, and such will influence the discounts that are available thus influencing the insurance cost.  It is good to shop for auto insurance with an independent insurance agent.  An independent insurance agent could shop for car insurance with several insurance companies thus optimizing your chance of keeping insurance costs down. 

 Fred Gonzalez, is owner/operator of AlphaSure Affordable Insurance in Laredo, TX.  (956)729-9500 http://affordableinsurancelaredo.com/auto-insurance/  AlphaSure Affordable Insurance is an insurance agency licensed to sell and service insurance policies in Texas.

Does car insurance cover your rental car? Do I need to buy insurance at rental car agency?

Does car insurance cover your rental car?  Do I need to buy the damage waiver at rental car agency?  These are questions that come up when you’re at a rental car company renting a car for your family vacation.  When an insurance customer rents a car in Laredo, TX and is taking weekend long vacation to San Antonio the rental agency needs to be sure that their auto is protected.  Most, not all, auto insurance policies will cover your rental car to some extent.  However, there are gaps in coverage.  The auto policy typically does not cover loss of value of the car.  If the rental car is crashed and as a result the value of the vehicle drops, then the “diminished value” is not covered.   What’s worse is if the wrecked rental vehicle is in the shop for several days, and obviously the vehicle cannot be rented while it is in repair, then the loss of rents won’t be covered either.   Diminished value and loss of rents could amount to thousands of dollars out of your pocket!  Lastly, should there be a small claim, such as a cracked windshield, you’d typically have to meet the auto insurance insurance deductible before your auto insurance policy begins to payout.  So, should you purchase the damage waiver at the rental car company?  I always advise our customers that even if your auto insurance policy will cover losses to the rental car there are gaps in coverage.   Do I, myself purchase the damage waiver from the rental car agency in Laredo, TX on my way to San Antonio?  The answer is a resounding YES!

Fred Gonzalez, is owner/operator of AlphaSure Affordable Insurance in Laredo, TX.  (956)729-9500 http://affordableinsurancelaredo.com/auto-insurance/  AlphaSure Affordable Insurance is an insurance agency licensed to sell and service insurance policies in Texas.