Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments. 

If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it. 

If a guest in your home is injured, liability protection and medical coverage help pay expenses. 

If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs. 

If you are still paying for your home, your lender will require insurance. 

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions. 

How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.) 

Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly? 

What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.) 

What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car. 

Liability coverage pays for your legal responsibility to others for bodily injury or property damage. 

Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. 

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why do you need auto insurance?
It's really all about protecting yourself financially. 

If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it. 

If you or any passengers are injured in an accident, medical costs can be extremely expensive. 

If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth. 

Not only is having insurance a prudent financial decision, many states require you to have at least some coverage. 

Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion: 

How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.) 

What is the insurance company's level of service and ability to pay claims? 

What discounts are available? (Ask about good driver, multiple policy and student discounts.) 

What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

General Liability

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Broad Range of General Liability Protection

Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury

Property Damage coverage for the physical damage to property of others or the loss of use of that property

Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided

Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents

Contractual Liability extends to any liability you may assume by entering into a variety of contracts

Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types 

Workers Compensation
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job. 

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

 

Mission Statement

 Premier Insurance will provide quality insurance products and services in a cost-effective manner with integrity and diligence. It is our duty to assist our customers in protecting their assets. We focus on treating our customers like family.

Our office is located at:

122 Cove Terrace

Copperas Cove, Texas 76522

254-577-6554

info.premierinsurance@gmail.com

Click Here to Contact Us

For urgent claim situations, we always encourage you to call the carrier’s claims department directly to file the claim.  If it is a non-urgent situation, feel free to call our office first, and we can help you determine if filing the claim is the right choice.

1) You want to make sure that the claim could potentially be covered – that the damage was sudden & accidental caused by a covered peril.   We often run across people wanting to file claims on yard leaks, for example, that wouldn’t be covered.

2) You want to make sure the claim amount will exceed your deductible, or else you will put a claim on your insurance record and end up paying for the repair out of pocket yourself.

3) Roof claims are the most common claim in Texas. It’s generally best to call a licensed roofer out first for a free inspection and estimate. This can help you avoid making a needless claim if the damage isn’t significant enough to warrant a claim. It is a good idea to get several quotes. Don’t just sign with the first one you talk to.

The above should help you avoid filing needless claims.  We frequently see people’s rates skyrocket because they filed multiple claims that either didn’t pay out, or paid very little.  Even claims that do not pay out can count against you and affect your future rates.

YOUR CARRIER’S NAME AND POLICY# (FROM THE POLICY DEC PAGE)

THE CARRIER’S CLAIMS NUMBER:

American Modern                                               800-375-2075

Anchor                                                                   844-365-5588

American Risk (ARI)                                            866-635-9959

ASI/Progressive Home Advantage                      866-274-5677

Cypress                                                                 800-892-9773

Dairyland                                                              800-334-0090

The Hartford                                                        800-624-5578

Homeowners of America (HOAIC)                    866-407-9896

Kemper Specialty                                               888-253-7834

Lighthouse                                                          877-852-0606

Mercury                                                               800-503-3724

MetLife                                                                800-854-6011

Pacific Specialty (PSIC)                                     800-962-1172

Progressive                                                         800-274-4499

Safeco                                                                800-332-3226

Travelers                                                             800-252-4633

Texas Windstorm Assoc (TWIA)                      800-788-8247

Wellington                                                         800-447-6465

YOU MADE A GOOD DECISION WHEN YOU PLACED YOUR TRUST IN PREMIER GROUP INSURANCE. NOW WE’D LIKE YOU TO SHARE YOUR EXPERIENCE WITH SOMEONE YOU CARE ABOUT. WE’RE DEDICATED TO HELPING PEOPLE LIKE YOUR FRIENDS AND FAMILY GET THE INSURANCE COVERAGE THEY NEED, AT A PRICE THEY CAN AFFORD. HELP YOUR FRIENDS AND FAMILY GET THE RIGHT COVERAGE TOO!