Truckers Insurance Trucking Liability in Laredo and South Texas

Laredo Texas Insurance | (956) 729-9500

Over the past few years, the insurance market for 18 wheelers has tightened up.  At one point insurance companies were only accepting paid in full clients and truckers liability rates on the rise that presented a very difficult situation.  Fortunately, the insurance market for 18 wheelers or truckers liability in Laredo, TX has softened up.  However, there are a few things you should know.  Firstly, insurance companies don’t like insuring truckers with too many out of service violations.  For obvious reasons, insurance companies see these drivers as higher risk than others.  Secondly, don’t let your current policy cancel!  Instead of allowing your current policy to cancel and then you looking for a replacement, keep your current policy in force while you shop for another.  This is good because your credits or eligibility for the new policy should be maximized by having no lapses in prior coverage.  Call us for free quote on truckers liability, bobtail coverage, trucking liability in and around the Laredo, TX area.

 

Fred Gonzalez is the principal agent at AlphaSure Affordable Insurance Services in Laredo, TX. He has been licensed to sell and service insurance in Texas since 2001.

AlphaSure Affordable Insurance Svcs 201 W Del Mar Blvd Suite 20 Laredo, TX 78041
(956) 729-9500

affordableinsurancelaredo@gmail.com

Why do home insurance companies ask about permanently installed heat source?

Laredo Texas Insurance | (956) 729-9500

One of the questions found in a homeowners insurance application is about how you keep your home warm in the winter.  Now I know that in Laredo, TX winter only lasts about 1 week, but the question of home heating in a home insurance policy always comes up.  I remember going through “winter” months in Laredo without ever turning the heat on!  Do we really need a permanently installed heat source in Laredo, TX?  To you or me, maybe not.  But to an insurance company, how you keep your house warm when it gets cold is always a concern.  One of the biggest causes of house fires is attributed to portable space heaters.  Thus, it’s completely understandable for an insurance company know about how your home is kept warm and if they want to take on a risk of insuring a house with no permanently installed heat source.

Fred Gonzalez is the principal agent at AlphaSure Affordable Insurance Services in Laredo, TX. He has been licensed to sell and service insurance in Texas since 2001.

AlphaSure Affordable Insurance Svcs 201 W Del Mar Blvd Suite 20 Laredo, TX 78041

(956) 729-9500  affordableinsurancelaredo@gmail.com

Health Insurance Open Enrollment in Laredo, TX

Laredo Texas Insurance | (956) 729-9500

Hello Everyone!  Health insurance open enrollment begins from November 1st to December 15th 2018.  Because of the Affordable Care Act, aka, Obamacare, health insurance companies cannot deny you from buying medical insurance regardless if you have any prior medical problems.  In addition, a health insurance company can’t charge more money because you are sickly either.  In fact, there are no medical questions to answer!  But, if you miss the date, that is, you wait until after December 15th, then you can generally buy an individual health insurance plan ONLY if you qualify for a Special Enrollment Period.  What is a Special Enrollment Period you may ask.  Taken from healthcare.gov, a Special Enrollment Period is “A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child.”  You usually have 60 days from the event to enroll in a new health plan.

If your looking for health insurance in Laredo, TX, Webb County and surrounding counties, call me for more information.

Fred Gonzalez is the principal agent at AlphaSure Affordable Insurance Services in Laredo, TX. He has been licensed to sell and service insurance in Texas since 2001.

AlphaSure Affordable Insurance Svcs 201 W Del Mar Blvd Suite 20 Laredo, TX 78041
(956) 729-9500 affordableinsurancelaredo@gmail.com
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