Insurance Questions?
Q: What does my auto insurance really cover if I'm involved in an auto accident?  Q:What does 25|50|50 mean on my auto insurance "declarations page"?  Q:What does my homeowner's insurance really cover if damaged during a Hurricane/Windstorm?  Q:Where can I get competitive insurance rates on business and workers comp insurance?  Q:Am I getting the most insurance discounts available?

Insurance | A Necessary Cost

Even though insurance is a necessary cost, it is mainly intended for PROTECTION!  Life happens everyday and with each day comes certain aspects of RISK. We protect our assets, property, bodies and incomes through insurance. Consumers have to consider "what if" scenarios and then answer the question, can my income, savings or personal assets cover the costs associated with "at fault" or "no fault" accidents, fires, hurricanes, windstorms, death, etc... Insurance is designed to cover the portion of loss that your income, savings, personal assets or other family members left behind won't be able to cover.  Quite frankly, shouldn't have to cover.

VIP | Value Insurance Package

One must consider the value of their insurance package for their insurance costs.  Are you getting the best insurance bang for your insurance dollar?  Are you maximizing your multi-line discounts?  For example, is your auto, homeowners, term life insurance and business with the same insurance company?  Total VIP | Value Insurance Package consists of auto, home, life and umbrella insurance coverages. Umbrella is like having GAP insurance on your auto, home and life policies. When coverage limits are maxed out, Umbrella policies pick up the gaps or fill in the holes. Of course Life insurance generates an estate that is passed on to your loved ones to help them fill in the gaps, pay debts and pick up the pieces.

Insurance Review

Get your insurance review and at the very least, learn more about your insurance coverages and how they apply to your VIP | Value Insurance Package.  Contact S. Todd Harris @ 512.487.8445 VoIP or 281.995.7290 Mobile.