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Tips for the First Time Homeowner

Posted on June 28, 2024June 25, 2024 by admin

Congratulations, you’ve become a homeowner. Whether you’ve saved up enough to purchase the quintessential American Dream or inherited a dwelling, you now own property. You’ve done the basic tasks—moved in your belongings, transferred your cable, updated your address, and discarded the last owner’s questionable decor. But what comes next?

The Homeowner’s Primer

First off, you should understand that maintenance falls under your purview now. You may opt to do it yourself or hire professionals. You’ll need to budget for property taxes and home insurance, both recurring and potentially legally required expenditures. Utilities are another essential consideration for keeping your home functional. If you’re part of a Homeowners Association, don’t forget about the associated fees. Get involved with neighborhood associations and local events. Home improvement projects may be desirable or even necessary, especially if you’ve acquired an older home. Refreshing paint or wallpaper could be first on your list. Regular mortgage payments allow you to build equity, leading to financial stability and future opportunities.

City Centre Insurance Agency LLC Now Serves Houston, TX Homeowners

If you’re a homeowner in the Houston, TX area in need of home insurance, feel free to contact City Centre Insurance Agency LLC. Our experienced and knowledgeable agents will do their best to find the policy you need.

My Car Was Vandalized! Now What?

Posted on May 31, 2024June 6, 2024 by admin

So, someone got mad at you and took it out on your car. Maybe they weren’t even angry at you, but the Astros lost, and some rioters came after your vehicle. Shame on them. Hopefully, you were smart enough to get auto insurance. If your car was insured, you may be able to recoup your losses in the event of vandalization.

What is Vandalism?

The legal definition of vandalism is an intentional act that mars, destroys, defaces, alters, or otherwise damages another person’s property. This includes spray paint, keying the paint job, slashing tires, breaking windows and/or mirrors, egging, and other malicious damage.

What to Do Now

Call the police on a non-emergency line. They will take down a report and provide a copy for your insurance claim. An arrest will likely only be made if you catch someone in the act. If you can prove this person did the damage, they may be court-ordered to pay for repairs or replacement. Otherwise, your insurance will have to cover it. Take care not to disturb any evidence after you come to the scene of the crime. Take out your phone and take pictures from multiple angles. Contact your insurer to report the incident and discuss repairs. The adjuster will let you know where to have the repairs done. Please do not attempt to do it yourself.

City Centre Insurance Agency LLC Serving Houston, TX

Get auto insurance before you need it. If you are in the Houston, TX, area and are in the market for auto insurance, contact City Centre Insurance Agency LLC. Our courteous and knowledgeable agents will do all they can to help you find the policy that best suits your needs.

Unexpected Benefits of Signing Up for Health Insurance

Posted on April 30, 2024May 2, 2024 by admin

The good news is that about 304 million Americans — or roughly 92% of people in this country — have health insurance policies. The bad news is that around 26 million people in the U.S. are still without it. If you’re among them, City Centre Insurance Agency LLC can help you secure a health insurance policy in Houston, TX. Discover the unexpected benefits of signing up for health insurance below.

Makes You Healthier Overall

Those in Houston, TX without health insurance don’t typically make it a point to schedule regular check-ups with doctors. This can result in people suffering from certain health conditions unnecessarily. When you obtain a health insurance policy through City Centre Insurance Agency LLC, you can start seeing your primary doctor more and avoid conditions that can compromise your health.

Prevents You From Taking On Medical Debt

Over 20 million Americans have at least $1,000 worth of medical debt, and about half of these people have at least $2,000 worth of medical debt. By obtaining health insurance, you’ll put yourself in a position to get the medical care you need without having to break the bank every time you have to see a doctor or head to the hospital.

Provides You With Peace of Mind

If you’re always walking around worrying about when the next medical emergency within your family is going to take place, you’ll find yourself being stressed out all the time. Knowing you have health insurance to foot the bill for doctor’s visits and emergency room trips will help ease your mind.

Are you interested in shopping for a health insurance policy in Houston, TX? City Centre Insurance Agency LLC would love to assist you. Contact us today to get started.

Is Commercial Insurance Necessary to Have?

Posted on March 29, 2024March 29, 2024 by admin

If you run your own business or are anticipating launching one in the coming months or years, you’re likely familiar with commercial insurance at this point. However, those just starting out and maybe a bit strapped for cash will naturally wonder whether or not they actually need commercial insurance. No matter where you’re in your journey, let’s explore why commercial insurance is often necessary and how you can come here to City Centre Insurance Agency LLC in Houston, TX to get started.

Do You Need Commercial Insurance?

The need for commercial insurance encompasses two main areas: a legal requirement and a need for business protection. Regarding the legality of commercial insurance in Texas, it’s not technically required. However, certain companies may need specific types of commercial insurance, like workers’ compensation, if they’re contracting with the government.

If you don’t legally need it, should you still get it? Absolutely! Commercial insurance protects you if customers or clients sue you if something happens to the building that requires you to repair it or in the event of other financial or physical damages. Even if you don’t have to have it because there are no laws in place to demand it, having it on your side will be worth it should you face challenges in your business that require coverage to overcome them.

Find the Right Commercial Insurance With City Centre Insurance Agency LLC

Are you ready to begin your business journey? Here at City Centre Insurance Agency LLC in Houston, TX, we make it easy to find the right coverage for your business, whether small or big, online or brick-and-mortar or any other kind of business. Contact us today to learn more and compare quotes!

Protect Your Home’s Basement from Natural Disasters

Posted on February 27, 2024February 27, 2024 by admin

Your home’s basement could become damaged during a natural disaster. Use the tips that follow to safeguard the basement. Then, consult an agent about the insurance coverage you need for the basement.

Insulation And Exterior Walls

Insulation and exterior walls prevent heat loss. They also prevent moisture from entering the basement. Have the basement professionally inspected. During the inspection, damaged insulation, cracked walls, and other issues will be identified. Once the repairs have been made, the basement will be protected when inclement weather affects your region.

Drainage

If your basement has flooded in the past, there is a good chance that it could happen again. Poor drainage could be one reason why flooding occurred in the first place. Do an inspection of the property surrounding your home.

The land should be level. Adding gravel and new drain lines to your property could assist with proper drainage. These materials will ensure that rainwater is filtered into the ground. Less water will pool on the property during heavy rainstorms.

Shutters or Other Window Coverings

Shutters or another type of window covering should be used to protect exposed glass panes. The precautions taken may prevent the glass from breaking if high winds are expected during a storm.

Possession Records

Prepare records that list and describe the possessions kept in your basement. Once you have prepared the list, decide which of the belongings you would like to add to your home insurance policy.

Contact City Centre Insurance Agency LLC

Reach out to one of our agents who serves Houston, TX, today. Our agents representing City Centre Insurance Agency LLC are experienced at helping customers like you acquire the insurance coverage they need.

6 Times to Reach Out to Your Auto Insurance Agent

Posted on January 22, 2024January 26, 2024 by admin

Whether you have car insurance through City Centre Insurance Agency, LLC in Houston, TX, or someone else, there are times when you should reach out to update or upgrade your insurance. You may even want to request an insurance review or a price quote.

Here are six times you should reach out to your auto insurance agent:

1. When Buying a Car

Of course, when you purchase a vehicle, you will want to make sure your insurance coverage is transferred seamlessly. You may actually want to get a price quote prior to making a decision on your next vehicle.

2. When You Move

Changing residences can impact your car insurance rates. Where your car is kept at night, and your neighborhood can affect rates. You will also want to make sure there is accurate contact information associated with your auto policy.

3. If You Get Married

Getting married can lower your car insurance rates. If there is a name change associated with marriage, you also want to make sure your policy info is accurate.

4. When There is a New Driver Living in Your Household

When a child turns driving age, or someone else joins the household of driving age, contact your car insurance agent. Your policy may require all potential drivers to be listed.

5. When Making Significant Upgrades To Your Vehicle

If you make an upgrade to your vehicle by adding an expensive sound system or tires and rims, it may be worth a call to your auto insurance agent to make sure they will be covered in case of theft.

6. When Selling Your Car

Of course, when you sell a car, you no longer want to keep paying for insuring it. Your insurance agent can cancel your policy on the effective date of the sale.

We Are Here To Help

City Centre Insurance Agency, LLC is serving drivers in the Houston, TX area for an auto insurance policy review and price quote today. We are qualified to review auto insurance policies issued by any company. We would be pleased to serve you.

Which Professions Benefit the Most From Short-Term Liability Insurance?

Posted on December 20, 2023December 31, 2023 by admin

Probably the best thing about short-term liability insurance is that you can choose when you need it and when you don’t. For some business owners, liability insurance isn’t always a requirement, and there are some professions in the Houston, TX area that benefit greatly from this insurance policy.

Benefitting From Short-Term Liability Insurance

1. Personal Trainers

Like other professions, personal trainers can work all year, but there are times when they may not be actively training clients. Once clients learn the best ways to improve their health and exercise regimens, the need for a trainer is reduced. Personal trainers who take on new projects for a temporary time find short-term liability to be easy to manage until the contracts have ended.

2. Building Contractors

Not all building contractors work full-time, or they decide to take on projects periodically throughout the year. Short-term liability allows them to be covered for exactly how long the project will last and gives them the protection they need without having to pay for a full policy when they do not have active projects.

3. Landscape Contractors

Once the weather starts to cool down, the demand for landscape projects will start to subside. For landscape contractors, short-term liability insurance is ideal because they can adjust it to match the seasonal demand.

4. Contract Nurses and Caregivers

There are some health specialists who take contract positions, being caregivers for recovering patients in their homes. These assignments are always temporary, ranging between weeks and maybe a couple of months, so these contract nurses can be covered with liability protection while they are assisting these families.

City Centre Insurance Agency LLC Is Here To Help

There are other small businesses that can take advantage of short-term liability insurance in the Houston, TX area. Contact our agents at City Centre Insurance Agency LLC today for more information.

What is the difference between term and whole life insurance?

Posted on November 17, 2023November 27, 2023 by admin

When choosing life insurance in Houston, TX, you have to make several choices. One of the most important choices is whether you want to purchase a term or whole life policy. At City Centre Insurance Agency LLC, we can give you the information you need so you can make an informed decision.

Life Insurance Policy Options

Term Life Insurance

Term life insurance is basically a contract between you and an insurance company that pays out in the event of death. This is the most common kind of life insurance and usually lasts between 10 and 30 years.

The person named in the policy is responsible for paying a premium every month. If the person dies during the time period, the insurance pays out. If the person does not die while the policy is active, the policy simply ends with no benefit to the insured.

Whole Life Insurance

Whole life insurance is different because it has a cash component. You can also carry the same whole life policy for an entire lifetime. Many people choose to purchase whole life policies for loved ones while they are young so these benefits are locked in.

The insurance will pay a death benefit if the insured person dies during the contract period. Some of the money paid into the policy adds up on a tax-deferred basis. You can borrow against your own policy to get cash. Once you have a whole life policy, your premium stays the same throughout your lifetime, with no need for a physical.

Reach Out To Us

There are advantages to buying life insurance as soon as possible. If you are in Houston, TX and would like to get the peace of mind you and your family deserve, please call City Centre Insurance Agency LLC today.

Managed care and what you need to know

Posted on October 20, 2023October 30, 2023 by admin

Health insurance is something that most people are not familiar with. It is not as simple as just choosing a plan, it is a matter of understanding what managed care is and how it affects you and your health. City Centre Insurance Agency LLC in Houston, TX offers more than one insurance carrier to guarantee that you will have the best possibility of finding the right policy.

When it is time to choose your health policy for the year, it can be very confusing. Understanding what will be covered, how much it will pay, and what managed care means are all important. You will have to live with the decision that you make for the next year. That is a long time to live with a bad decision.

Basics of Managed Care

There are three basic types of managed care: HMO, PPO, and POS. There are important differences between the different types and knowing what those differences are and how they affect your coverage. Managed care organizations have contracts with groups of healthcare providers and medical facilities to help control costs. The more restrictive a plan is, the less it usually costs.

HMO

HMO stands for Heath Maintenance Organization which is the most restrictive type. With an HMO you need to get care within the network and have a primary care physician to coordinate your care.

PPO

PPO stands for Preferred Provider Organization will usually give the best rates for care within the network. But will pay part of the costs outside the network.

POS

Point of Service coverage is a combination of HMO and PPO. It lets you choose which type of coverage you want on each occasion.

Schedule A Consultation Today

Contact City Centre Insurance Agency LLC when you need health insurance information or a new policy in Houston, TX. Give our office a call for a no-obligation quote.

How commercial insurance protects your small business

Posted on September 22, 2023October 1, 2023 by admin

Owning your own small business is part of the American dream. To avoid having that dream become a nightmare, having the right commercial insurance is essential. Owning a business is full of risks and mitigating those risks as much as possible is what you hope your commercial insurance will do. In Houston, TX, you can count on City Centre Insurance Agency LLC to help you to have the commercial insurance that is perfect for your small business.

Commercial Insurance Benefits

Property coverage

Commercial property insurance covers the building if you own it, but it also covers all the things that you use to do business. Depending on the nature of your business it can be machinery, tools, display units, electronics, office equipment, records, inventory, and raw materials. You will be able to get back on your feet much quicker with this coverage.

Liability coverage

Being sued is one of the biggest dangers that small businesses face. Without this coverage, your business may not be able to survive if you have to pay a judgment against you and the legal fees that go along with it.

Business interruption insurance

If your small business is hit by a covered peril, how will you meet your payroll or pay the regular monthly expenses? With business interruption insurance you will get the money that you need to stay current until you are able to get back up and running. Just because your business is down doesn’t mean your expenses go away.

Workers Compensation

Employers in Texas are not required to carry workers’ compensation insurance, but that doesn’t mean that they are not required to pay employees who are injured. Having workers’ compensation coverage makes everyone, the employer and the employee feel more secure.

We Are Here To Help

Call City Centre Insurance Agency LLC in Houston, TX if you want the help of our experienced independent agents when choosing your commercial coverage.