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Can Health Insurance Be Combined with Other Policies?

Posted on January 30, 2026January 13, 2026 by admin

Optimizing your healthcare coverage can feel confusing and overwhelming if you’re unsure of where to begin. Understanding how health insurance can be combined with supplemented and related coverage is crucial if you’re interested in maximizing the protection you have. At City Centre Insurance Agency, LLC, serving Houston, TX, we work with clients to help find health insurance providers that are right for their specific needs.

Common Policies Combined With Health Insurance

Health insurance may be paired with supplemental policies that cover gaps in medical coverage, such as:

Dental insurance
Vision insurance
Prescription drug plans
Critical illness insurance
Accident insurance
Hospital indemnity plans

What Can’t Be Bundled

Many employers offer bundled benefit packages that include health, dental, and vision insurance. Life, disability insurance, and Health Savings Accounts may also be available. However, health insurance cannot be bundled for discounts with unrelated policies, such as homeowners or auto insurance plans.

Why Combine Health Insurance?

Layering your coverage and protection can help with reducing out-of-pocket expenses for medical emergencies or needs. Additionally, combining health insurance with supplemental plans can also cover services that are typically excluded from standard health insurance policies. You may also receive cash benefits during the recovery of an injury or when experiencing an illness. Ultimately, combining your health insurance can improve financial stability during health issues.

Understanding how combining health insurance with supplemented and related coverage works is key if you’re looking to fill coverage gaps year-round. At City Centre Insurance Agency, LLC, serving Houston, TX, we assist clients with finding coverage that works for them based on financial limitations and protection needs. If you’re ready to learn more about combining existing health insurance policies with supplemented and/or related coverage, we’re here to help. For your quote and consultation, contact us today.

Understanding HMO, PPO, and EPO Plans

Posted on December 31, 2025December 12, 2025 by admin

Choosing the right health insurance plan in Houston, TX can feel overwhelming with all the acronyms thrown around. HMO, PPO, EPO – what do they actually mean for your healthcare and your wallet? City Centre Insurance Agency, LLC helps clients navigate these options every day, and understanding the key differences can save you both money and frustration when you need medical care.

HMO Plans: Coordinated Care With Lower Costs

Health Maintenance Organization (HMO) plans typically offer the lowest premiums and out-of-pocket costs. You’ll choose a primary care physician who coordinates all your healthcare and provides referrals to specialists when needed. The trade-off is less flexibility – you must stay within the plan’s network of doctors and hospitals, except for emergencies. If you’re comfortable with having your care managed through one doctor and want predictable costs, an HMO might be perfect.

PPO Plans: Maximum Flexibility at Higher Cost

Preferred Provider Organization (PPO) plans give you the most freedom to see any doctor or specialist without referrals. You can even go out-of-network, though you’ll pay more. PPO plans typically have higher premiums and deductibles, but they’re ideal if you have established relationships with doctors or need specialized care frequently. You’re paying extra for the convenience and flexibility to make your own healthcare decisions.

EPO Plans: The Middle Ground Option

Exclusive Provider Organization (EPO) plans blend features from both HMO and PPO plans. You don’t need referrals to see specialists, but you must stay within the network for coverage. EPO plans often cost less than PPOs while offering more flexibility than HMOs.

Ready to find the right plan for your needs? Contact City Centre Insurance Agency, LLC, serving Houston, TX, for personalized guidance on choosing between HMO, PPO, and EPO options.

Insurance That Covers Work-Related Driving

Posted on November 26, 2025November 13, 2025 by admin

It’s a question every business owner and manager has pondered: Does auto insurance extend to on-the-clock driving? The professionals at City Centre Insurance Agency, LLC, serving the Houston, TX area, have the answer for you.

The Limits of Auto Insurance

It seems somewhat logical that one’s auto insurance would be applicable in every situation when on the road. However, that is not always the case.

There is an important distinction to be made between commercial auto insurance and personal auto insurance. The onus is on business owners to obtain auto insurance for those driving company vehicles. Moreover, workers’ compensation insurance must be obtained so that coverage is available if a worker is injured while driving any type of vehicle on the clock.

Personal Automobile Insurance Is Unique

One’s own personal auto insurance is applicable to personal activities on the road. For example, the morning commute to work, driving the kids to school and running errands are personal activities covered by one’s own auto insurance.

Commercial Auto Insurance

The primary difference between personal auto insurance and commercial auto insurance is the purpose that the vehicle is used for. Commercial auto insurance through City Centre Insurance Agency, LLC covers work-related driving while the employee is clocked in.

What About Using One’s Personal Vehicle for Work?

If an employee doesn’t use a company vehicle, choosing to use his or her own automobile, and an accident occurs, the matter becomes complicated.

The driver’s personal automobile insurance policy might not cover when an employee uses their own automobile for work purposes. This is precisely why most businesses have a fleet of vehicles for employees to use while clocked in. Many workers would rather use a company vehicle covered by commercial auto insurance when they are on the job.

Continue researching commercial auto insurance and you’ll find there are many coverage options. Such unique coverages tend to pertain to business-related risk, be it transporting expensive equipment, goods, etc.

We Have You Covered

Serving the greater Houston, TX area, City Centre Insurance Agency, LLC offers competitive rates on commercial auto insurance. Give us a call today!

Can You Reinstate Your Home Insurance After Canceling?

Posted on October 31, 2025October 24, 2025 by admin

Life in Texas can move fast. Between home projects, bills, and unexpected events, it’s common for homeowners to let a policy lapse or even cancel their coverage on purpose. But what if you change your mind? Can you get your home insurance through City Centre Insurance Agency LLC, serving Houston, TX, reinstated after canceling? The answer depends on timing, circumstances, and your insurer’s policies.

Understanding the Grace Period

If your policy was recently canceled due to missed payments, you might still have a small window to reinstate it, often within 30 days. During that time, your insurer may allow you to pay the overdue balance and continue your coverage without interruption. But once that window closes, reinstatement becomes more complicated. You might have to apply for a new policy altogether.

When You Cancel Intentionally

If you chose to cancel your policy yourself, say because you’re switching providers or selling your home, you can usually reinstate your coverage, but not always under the same terms. Your insurer will likely ask for updated details about your home’s condition, any recent claims, or changes to your property. In some cases, they may require a new inspection before approval.

What Makes Texas Unique

Texas homeowners face their share of weather risks, from wind and hail to flash floods. But earthquakes, though less frequent, can still occur, especially near fault zones in West Texas. If you’re reinstating your coverage, it’s a good time to ask whether you should add earthquake or flood protection, since these perils aren’t typically covered by standard home insurance policies.

Why Acting Quickly Matters

The longer your home goes uninsured, the greater your financial risk, and the harder it can be to find affordable coverage later. If your policy has lapsed or you’ve had second thoughts about canceling, contact your Texas insurance agent at City Centre Insurance Agency LLC, serving Houston, TX, right away. A quick call could help restore your peace of mind before the next storm rolls through.

Will Liability Insurance Cover Storm Damage?

Posted on September 30, 2025September 28, 2025 by admin

Auto insurance in Houston varies depending on the coverage the policyholder selects. State law requires every driver to have liability insurance. It’s essential to understand what your policy covers before an emergency occurs.

What Is Liability Insurance?

Liability insurance is often the minimum coverage required in most states. These policies are designed to provide coverage for other people. In the event of a car accident, a liability policy covers the other person’s property damage and bodily injury. However, it does not cover any damage to your own property.

Does Liability Insurance Cover Storm Damage?

No, liability insurance does not cover damage caused by storms. Since it does not provide coverage for your vehicle, it also excludes damage caused by natural disasters. Additionally, it does not cover theft, vandalism, or damage to your car in accidents, such as hitting a telephone pole. For these reasons, many drivers opt for higher levels of coverage.

Exploring Other Coverage Options

While liability insurance is required, you have other options to enhance your protection. Additional levels of coverage provide the necessary liability protection while also covering other incidents that may arise. Comprehensive coverage, for example, protects against damage not caused by an accident, such as storm damage or falling objects like tree limbs.

Collision coverage, on the other hand, provides protection in the event of an accident. This type of policy ensures coverage for damages to your vehicle. Insurance companies may differ in their coverage of accidents involving objects like telephone poles under collision or comprehensive policies. An agent at City Centre Insurance Agency LLC can help clarify these details.

Contact City Centre Insurance Agency in Houston, TX

At City Centre Insurance Agency, our experienced agents are here to address your concerns and provide personalized solutions. We can help you understand what different policies cover, as well as additional options, such as rental car reimbursement. Contact us today to learn more. We proudly serve the Houston, TX, area.

I’m only 20 years old. Do I really need health insurance?

Posted on August 29, 2025August 23, 2025 by admin

Your health is your wealth. Many of us are familiar with this adage, and as we age, we begin to see just how true it is. We need our health to live and function in this world at every stage of life. Health insurance is designed to help us take care of ourselves, whether through preventive care, emergencies, or addressing a host of other issues. Our Houston, TX agents at City Centre Insurance Agency LLC understand that many young people don’t feel they need health insurance during their formative years. After all, they’re in the prime of their lives. However, there are many reasons why investing in health insurance when you’re young can be very beneficial.

I’m Only 20 Years Old. Do I Really Need Health Insurance?

Even if you don’t have health issues, health insurance can help keep you healthy through preventative measures and scheduled check-ups. An insurance policy makes seeing a doctor much more affordable. Paying to see a physician without an insurance policy can be very costly for anyone, regardless of age. Health insurance makes maintaining your health more affordable and provides critical support in emergencies. Many people would be unprepared to pay for their health care out of pocket. Additionally, health insurance is often much lower in cost when you’re younger. If you invest in it early, you may be able to lock in better rates as you age. Our agents are prepared to answer your questions and explore your unique needs, regardless of your age.

We have a team of knowledgeable agents at City Centre Insurance Agency LLC ready to assist you with your health insurance questions. We know many future and existing Houston, TX clients have concerns about health insurance, and we’re here to help. Please call us today.

Reasons to Get Commercial Insurance for Your New Business

Posted on July 31, 2025July 24, 2025 by admin

Are you starting a new business? Protecting your investment with the right type of insurance is crucial. If you haven’t considered commercial insurance for your business, the professionals at City Centre Insurance Agency LLC, serving Houston, TX, can help.

As an independent insurance agency, we help businesses find the right commercial insurance coverage. We can help you determine if commercial insurance is suitable for your business and, if so, which types of coverage will be most valuable.

What Is Commercial Insurance?

Commercial insurance provides coverage for businesses. It can protect various aspects of your business, including your property, structure, employees, vehicles, and more.

The flexibility of commercial insurance enables your company to select the type of coverage most relevant to your specific needs. For instance, if your business has employees, you’ll need workers’ compensation insurance (a type of commercial insurance). If your business doesn’t have employees, you can opt out of this coverage.

Why Get Commercial Insurance?

There are several reasons to invest in commercial insurance:

Financial protection: Commercial insurance helps protect your business from financial losses due to covered events.
Protection from lawsuits: Certain types of commercial insurance can shield your business from lawsuits that may arise during operations.
Cost savings: While commercial insurance requires an upfront cost, it can save your business money when covered events occur.

Need Commercial Insurance? Contact City Centre Insurance Agency

If you need commercial insurance, the professionals at City Centre Insurance Agency LLC, serving Houston, TX, are here to help. As independent insurance agents, we work with multiple insurance carriers to help you find the coverage you need. Call us today to schedule an appointment.

Power Outages and Home Insurance: What’s Really Covered?

Posted on June 30, 2025June 24, 2025 by admin

Texas has experienced 31 power outages lasting an average of 740 minutes (12 hours and 20 minutes) so far in 2025. This marks the second-highest number of power outage events and the longest average duration in the country. With frequent and prolonged outages, you may wonder if home insurance covers these situations. Agents at City Centre Insurance Agency LLC have uncovered the answer.

Does Home Insurance Reimburse You After a Power Outage in Houston, TX?

Many people assume their insurance company will compensate them after providing proof of a power outage, but that’s not always the case. Home insurance policies are selective about what they cover. Common coverage includes:

Food Spoilage

Most insurance carriers offer coverage to replace spoiled food caused by a power outage. The average reimbursement is $500, although this amount can vary depending on the policy; however, the cause of the power outage is a factor. Events like high winds, fires, snow, ice storms, and lightning strikes are typically eligible. On the other hand, outages caused by a blown transformer, electrical grid failure, water-related events, utility shutoff notices, or a broken refrigerator are not covered.

Frozen Pipes and Pipe Bursts

Winter power outages can cause water to freeze, expand, and burst inside pipes. Home insurance often covers the cost of repairing or replacing damaged pipes. However, coverage may not apply to aging pipes, vacant homes, or cases of negligence.

Other coverage possibilities include:

Damaged electronics caused by a lightning strike
Living arrangement costs if the home becomes uninhabitable
Storm-related damage that leads to an evacuation order

If your current carrier doesn’t offer adequate coverage, let City Centre Insurance Agency LLC review your policy. Our agents can discuss home insurance coverage during power outages and present matching policies to help you find the best options. You decide whether to add coverage or switch providers, and we’ll support your decision. Contact our Houston, TX office for more information on home insurance.

Types of Auto Insurance for Business Owners in Houston

Posted on May 30, 2025May 28, 2025 by admin

As a business owner in Texas, it’s crucial to provide adequate coverage for your entity, whether you offer local services to a small clientele or are expanding regionally. From using vehicles for operations to providing retail goods, understanding which insurance policies are best for your current and future ventures is essential. At City Centre Insurance Agency LLC, we assist business owners throughout Houston, TX, in determining which types of auto insurance policies are right for them year-round.

Types of Commercial Auto Insurance in Texas

When managing a business in Texas, it’s important to familiarize yourself with the various types of commercial auto insurance available, such as:

Mandatory Liability Coverage: Mandatory liability coverage protects against bodily injury and property damage involving your business or a commercial entity. State minimum requirements mandate you to hold a policy that provides a minimum of $30,000 per person, $60,000 per accident, and at least $25,000 for potential property damage.
Physical Damage: This coverage includes collisions and provides comprehensive protection for non-collision issues, such as vandalism, theft, and natural disasters (in some cases).
PIP/Personal Injury Protection/Medical Payments: This insurance covers medical expenses for both drivers and passengers, regardless of who is at fault.
Uninsured/Underinsured Motorist Coverage: Offers protection for those involved in an accident with another driver who is not currently insured.

The more familiar you are with auto insurance options available for commercial business owners in Texas, the easier it will be for you to find policies that reflect your operations and coverage needs. If you’re starting a new business in Houston, TX, don’t leave your insurance up to chance. To eliminate the guesswork involved in finding the best policies for your needs, contact City Centre Insurance Agency LLC for more information and for your individualized consultation with professionals you can trust and rely on today.

What Types of Businesses Can Benefit from Short-Term Liability Insurance?

Posted on April 30, 2025April 23, 2025 by admin

Owning a business requires more than knowledge of your products, services, and customer base. If you’re located in Houston, TX, obtaining the right short-term liability insurance may be necessary, depending on your particular industry. At City Centre Insurance Agency LLC, we’ll work with you to find and build a policy that reflects your exact needs year-round.

When is Short-Term Liability Insurance Recommended?

Although most individuals and business owners may not need short-term liability insurance year-round, there are a few exceptions when it is necessary. Short-term liability insurance can be helpful during special events, short-term contracts, or high-risk projects. Reviewing short-term liability options with your preferred agency is ideal to ensure you’re optimally covered.

What Does Short-Term Liability Coverage Protect?

Short-term liability insurance can protect you from property damage, legal fees, and third-party bodily injuries that are not covered by standard business insurance. Short-term liability coverage is commonly referred to as general liability insurance.

Types of Businesses That Benefit From Short-Term Liability Coverage

For those living and working in Houston, the following business types may benefit from short-term liability coverage:

Freelancers: Protects against property damage and/or lawsuits
Contractors: Working in plumbing, HVAC, or electrical work requires additional coverage by building owners and general contractors.
Vendors and Event Planners: Coverage for property damage and potential guest injuries when planning and/or hosting events.
Food Truck Owners: Permits access to venues (that require permits).
Artists: Protects against property damage, especially when work is shared in a public space.

Understanding which businesses may benefit from short-term liability insurance is crucial for anyone managing a venture in Houston, TX. If you’re in Houston and want to optimize your coverage, speaking with an agent you can trust is always a good idea. To learn more about short-term liability and when it’s ideal for businesses in Houston, contact City Centre Insurance Agency LLC today.