Trailer Insurance Houston TXIn order for you to be best protected, it is always recommended that you carry a separate trailer insurance policy. Because of the countless situations that may occur with a trailer, it is not entirely possible to say that your auto insurance policy will provide liability protection if your trailer causes damages or personal injury.

Common Trailer Types Include:

  • Conventional Trailer: The most common type of travel trailer between 12-40 feet.
  • Fifth Wheel Trailer: Attached to a vehicle using a hitch in the bed of the tow vehicle.
  • Pop-up Tent Trailer: Collapsible trailer used for camping & recreation.
  • Truck Camper: Mounted in the bed of the truck with an over-cab area for sleeping.
  • Horse Trailer: Trailer used primarily to haul horses.
  • Toy Hauler: An RV type trailer with living space as well as ability to haul ATVs or Motorcycles.
  • Cargo or Utility Trailers: Small trailers used for moving or landscape jobs odd jobs.

What types of coverage should I have for my Recreational Trailer, Camper or other trailers?

Liability insurance may be provided to your trailer while it is attached to your vehicle. Check with your agent to see if your insurance company provides coverage while the trailer is in use and attached to your vehicle.

It is always recommended to have a separate trailer insurance policy to avoid any gaps in insurance coverage and trailer insurance is typically inexpensive. Some common options include:

Comprehensive Coverage: Can provide coverage for your trailer if it catches on fire, is vandalized or damaged by severe weather.

Collision Coverage: Can provide coverage if your trailer is damaged by you while being towed, or while unattended and parked.

Liability Insurance: Can provide coverage for injuries or property damage caused by you. Many companies will have “liability follow the tow vehicle” for trailers since trailers can’t drive themselves.

Optional coverages to discuss with your agent include:

  • Roadside Assistance
  • Total Loss Replacement
  • Replacement cost/personal effects
  • Vacation Liability
  • Full timer’s Liability

& many more!

Exploring the country in a trailer or just going camping on the weekend can be great fun. Be sure that before you leave you talk to your licensed insurance agent about insuring your trailer correctly to avoid any surprises.

Renters Insurance Houston, TXRenters insurance is a great thing to have if you’re not a homeowner. We’ll answer the top questions we get about renters insurance below.

How Much Is Renters Insurance Per Month?

The cost of renters insurance can vary depending on what your coverage limits are and what you want covered. It can also vary because of your credit score or previous loss history. In general, a policy with average limits with clean credit and no loss history will run you about $15-25 a month.

What Is The Best Renters Insurance Policy?

The best renters insurance policy is a policy that provides you the best coverage at a price that you’re comfortable with.

Should I Get Renters Insurance?

Everyone should carry renters insurance if they rent a home or apartment. Renters insurance covers more than just your things. It provides you with a liability insurance policy to protect your assets. Renters insurance will protect you with coverage from theft and fires too.

Is Renters Insurance Worth It?

If you’re a renter, getting a renters insurance policy is always worth it. At less than a dollar a day, it is an affordable insurance policy that protects you and your assets.

What Does Renters Insurance Cover?

Renters insurance covers a variety of things from your personal items like your computer and couch to your clothes. It also provides you with liability protection in the event you are found liable for injuries to others you’re found liable for as well as provides you with temporary living expenses if your home becomes uninhabitable for periods of time.

Can a Landlord Require Renters Insurance?

Yes, landlords can require you to carry a renters insurance policy. Many renters assume their landlord’s insurance policy will cover their personal items in the event of a loss, but that is not true.

Can I Use My Roommate’s Renter’s Insurance Policy?

No, roommates are specifically excluded from renters insurance policies unless they are listed on the policy by name. Roommates are excluded from coverage for personal property, loss of use and liability coverage.

We always recommend a renters insurance policy. If you have questions about your renters insurance or would like to get a renters insurance quote, please contact us.

Car Insurance Policy Houston, TXThe cost of repairing or replacing a transmission or engine in a car can be daunting. Many people wonder what exactly is covered by an auto insurance policy. Does an auto insurance policy cover things like transmission repairs, tires, faulty wiring or worn suspension parts?

In short, no, an auto insurance policy will not pay to repair wear and tear items on your vehicle. The only time some items may be covered are when they are damaged as a direct results of a covered loss such as a collision.

Insurance is not designed to repair damaged or worn parts due to normal wear and tear of your vehicle. There is no coverage for things like mechanical failures or maintenance.

So, what options are there to cover these items? When you purchase a vehicle, some dealers offer extended warranty coverage. These warranty policies essentially extend the manufacturer warranty of newer vehicles. This is the type of insurance program that would provide coverage for things like mechanical breakdown of your transmission or engine parts.

If you have questions about car insurance, contact our agency. There are an overwhelming number of choices for car insurance out there, don’t stress! Let the professionals at AJ Morales Insurance Agency gather quotes from several insurance carriers, presenting you with the best options for your budget and needs! Our agents are here to help guide you through rate comparisons, discounts, flexible payment options and they may have some money-saving tips as well. Get your quote today!

Auto insurance Houston, TXWhen it comes to insurance, most people think of how they can save money first. We get it, insurance can be expensive! You want good coverage, but at an affordable cost. Being a local insurance agency, we provide many choices since we represent many top insurance carriers. Here are some tips when it comes to saving money on your car insurance.

Shopping for a new car? Consider shopping insurance first.

If you have a few cars in mind when shopping for a new vehicle, consider reaching out to your insurance agent to compare possible insurance cost between the vehicles. The rough estimate of insurance cost every year could sway which car you decide on.

Save when you bundle.

Insurance carriers tend to give great discounts when you bundle your auto insurance with your home/renters/other lines of insurance. Need to insure several vehicles? Multi-policy discounts could earn you some substantial savings. Ask your agent!

Don’t drive much? Seek a low mileage discount.

If you drive less than 10,000 miles a year, ask your agent if you qualify for a discount.

Choose a higher deductible.

If your finances allow you to pay a higher deductible in the event you have a claim, you could save money by making this switch.

Ask your agent about other discounts. Do you qualify for any?

  • Paying your insurance coverage in full
  • Paperless option
  • Safe driver (accident free)
  • Electric or hybrid vehicle owner
  • Great credit score
  • Good student
  • Higher education
  • Advance quote

Did you experience a higher premium at renewal?

Reach out to your agent and ask to get a re-quoted on your policy. Since we can quote many top-rated insurance carriers, you can likely get same or similar coverage with a new carrier to save money. Life changes, so can your insurance company – but you don’t need to change your agent.

We do like to note that sometimes loyalty to the same company for 3+ years can be beneficial too. Over time, you could earn yourself a discount for every loyalty milestone you hit. Typically these rewards not only include a discount on the cost of your policy, they can sometimes include accident forgiveness!

If you have questions about your auto insurance, reach out to AJ Morales Insurance Agency. Our goal is to ensure you have the proper coverage.

Roadside Assistance Insurance Policy Houston, TXOh, the great American road trip. Whether you are driving across the country, making a trip to visit our beautiful National Parks or simply just exploring different areas in your state, it is important to pack the right items on your road trip.

Basic safety and materials to have:

While you should always store papers like a copy of your car insurance and license and registration in your vehicle, you should also carry a first aid kit and a roadside emergency kit.

Other items:

  • Flashlight
  • Spare tire with useful tools+ make sure someone in the car knows how to change it
  • Owner’s Manual

Personal Items to pack:

It’s really nice and sometimes imperative to have the following items packed.

  • Sunglasses
  • Sunscreen
  • Water bottle
  • Car Phone Charger
  • Hand sanitizer or wipes
  • Car cooler with snacks
  • Popular road trip snacks: sunflower seeds, trail mix, jerky, hard candy or suckers or granola bars. Mints and gum are great too.
  • Anti-inflammatory medication
  • UV window shade
  • Thermos
  • Blanket or pillow
  • Cash
  • Lip Balm/ChapStick
  • Notebook, pen or pencil
  • Napkins or a roll of paper towels. A roll of toilet paper doesn’t hurt either!

Consider a Roadside Assistance Policy

Roadside Assistance can be added to your car insurance policy and is available from most insurance companies. It can also act as a standalone insurance policy. Roadside assistance can help you if you become stranded from a variety of things including but not limited to:

  1. Flat Tires
  2. Dead Battery
  3. Run Out of Gas
  4. Lock Yourself Out or Lose Your Keys
  5. Disabled Vehicle
  6. Towing if Vehicle Can’t Be Repaired Quickly
  7. Winching if stuck in mud, snow or sand

We hope your summer road trip is a blast and that this article helps you prepare for your trip as well as stay safe on the road. If you have questions about your insurance, contact us before you leave!

Home Insurance Houston, TexasWhether you are a snow bird who flocks to warm weather in the winter or you’re taking a vacation, you should always protect your home while you’re away. The last thing you want to hear while vacationing is that a pipe burst or your home was burglarized. Follow these simple steps to ensure your home is safe while you’re away.

Protect from Theft

  • Alert the post office to hold your mail until you return. If you are staying at your vacation home for a long period of time, perhaps forward your mail to that mailing address.
  • Stage your home as if you are still there. Use an automatic timer to turn on and off your lights. You can set them up in different rooms to make it look like you’re moving around the house. To keep it efficient, use LED bulbs in your lamps you intend to leave running throughout the night.
  • Set an alarm. There are countless great, affordable video surveillance options that sends you a text when there is motion detected at your home, both inside and out. You can then pull it up and watch a live video stream allowing you to record the activity as well as call police. Additionally, if you see a package is delivered you could ask a neighbor to pick it up off the doorstep until you return.
  • Place small valuables in a hidden place or safe. If you own jewelry, guns or cash, or have social security cards, memory cards or other valuable items, put them into a safe. Safes are typically extremely heavy and unable to be moved by one person even if not bolted to the floor.
  • Hire someone or notify your neighbor to do the simple things. For example, if you are gone for the weekend and the trash gets picked up on Fridays, ask your neighbor to pull your waste bin in for you.

Protect Your Home From Damage

  • Always turn off your water. You would hate to have a pipe burst or refrigerator leak while you’re away. If you live in a cold weather environment, drain all your pipes of water. Laundry supply lines are bigger, so be sure to turn those off at the junction box if you decide not to turn off all water.
  • Set your thermostat. Keeping your thermostat on will stop pipes from freezing in your ceiling or walls. It doesn’t take much, say 60 degrees or so.
  • Clean out your gutters. If you’re planning to be away for a while, cleaning your gutters can ensure any heavy rains won’t overflow the gutters and flood your home or damage the roof.

Going away for a while can be exciting. You shouldn’t have to worry about your home while you’re away so completing some simple tasks beforehand can ease your concern.

For questions about your insurance, contact AJ Morales Insurance in Houston, TX. We specialize in finding great rates for trucking insurance, contractor insurance and personal lines insurance coverage.

Switching insurance companies in Houston, TXSwitching your insurance policy can save you hundreds of dollars a year. But, make sure you consider these things before you make the switch.

Tip #1: Compare Apples to Apples

You’ve seen the commercials – “average savings of $500 a year for those who switched…” Absolutely you can save money. However, be sure that your new quote compares your current policy to the new policy – all coverages, driving records and vehicles the same. Any one thing can make a big difference. Many companies will try to lure you with great savings, but a CLUE report (comprehensive loss underwriting exchange – also known as your claims history) is not completed until after the application is submitted. Online companies are notorious for doing this.

Tip #2: Status Changed

If you’ve recently received a ticket or an accident, moved or purchased a new vehicle, have your current policy changes made prior to shopping. It is entirely possible that your new ride may get you some savings, or result in a price increase. In addition to this, if you’ve recently had a ticket fall off of your driving record, it would be worth calling the company to see if they can remove it now and save you some money for the remainder of your policy term. Regardless, if something changes, be sure to revert to tip #1.

Tip #3: Work with an Independent Insurance Agent

Independent insurance agents are discount detectives and have access to multiple companies. Even better, they know your current situation, history and can give you recommendations across many of their companies. They can compare rates between each of their carriers and let you know the benefits of each company.

Tip #4: Multi-Policy Discounts

When you’re looking for a new policy, be sure to take all things into consideration. You may be focused on your auto insurance, but if you have a package policy (multiple policies with the same carrier) you are likely getting discounts. If you move your auto insurance policy to another carrier, your home insurance may increase as much as 20% eliminating any saving you received. Take all of your policies into consideration. One additional item to consider here is if you have an umbrella policy, this is typically required to follow your home insurance policy. Some carrier require the home and auto to write the umbrella, so talk to you agent about your specific situation.

Tip #5: Your Relationship with your Agent

Knowing your insurance agent and having a business relationship with them is important. They are the ones who will go to bat for you in the event you have a claim or accident. Often times they can help you file that claim or give you recommendation on local companies to help fix your issue. If you have your insurance directly with the company handling your loss, you don’t get this representation. Having a local independent insurance agent is the way to go.

Contact AJ Morales Insurance Agency with questions about your insurance. Whether it’s truck insurance or personal lines insurance, we can review your current policy or help you shop and save for coverage that works best for you.

Home Inventory Checklist Houston, TXNobody wants to experience a home disaster & it’s not like you can predict when one will happen. If you were to experience a fire, flood, earthquake or other home disaster, would you be able to name every single valuable in your home? If not, you need to create a home inventory list of all your valuables.

Preparing a home inventory can be a large task, but taking the time to do so can make a difference of thousands of dollars when it comes to your claims settlement as well as simple ease of processing your claim.

For many of us, where we live symbolizes us and what is in that house symbolizes our lives. Our belongings represent our memories, personal style and even investments that hold significant value such as art.  When you add up how much all of your personal items are worth, it can be a substantial figure into the many 10’s of thousands of dollars or more.

Home insurance claims from disasters such as flood or fire are traumatic. A home inventory checklist can help you remember quickly what items you had. Would you recall exactly how many pairs of jeans you had and what brand they were? Would you recall how many pairs of shoes you had or what brands they were? What about art? Could you recall the name of the artist and how much you paid for it?

The Easiest Way to Create Your List

Taking the time to inventory your home can be useful in the event of theft or damage to the contents of your home.

  1. Take pictures of every room in your home. Then, take pictures of each valuable in the room.
  2. Take a video of every room in your home.

Note: be sure to store these pictures or video in the cloud as a backup so you don’t lose it in the fire or flood too!

If you were to experience a home disaster, having this list will significantly cut down on how much time and stress you deal with when it comes to your claim settlement.

What Valuables in Your Home Need a Separate Endorsement?

Remember, valuables like art, furs, comic books, antiques and jewelry need an endorsement on your current home, condo or renters insurance policy.

The good news is your insurance agent likely gave you sufficient coverage for your personal property. If you feel like you need more, be sure to tell your agent. Home, renters and condo insurance policies typically come standard with this coverage but you might need more.

Scooter or Moped Insurance Houston, TXRiding a scooter or moped isn’t only fun, but you look great riding one. The benefits of using a scooter to get around aren’t only limited to fun, fuel economy and ease of parking. Insurance is cheap too!

There are many situations where you may wonder if you even need insurance on a moped – I mean, what is the worst that can happen, right? Well, the same risks that exist with driving a vehicle exist on scooters as well, so insurance is always required when riding one.

Here are three claims scenarios where having scooter or moped insurance policy would benefit you:

  1. You driving along with your scooter, it starts to rain and you lose control of your moped while going around a corner. While you fall off and manage to avoid injury, your scooter slides up onto the curb and hits a bystander. You would be liable for “failure to maintain control of your vehicle” and be liable for the injured parties medical bills. The same thing that happens in car accidents.
  2. You’re driving around a friend who is visiting you from out of town. The two of you pile onto your Vespa and cruise the town. After a stop at a pub, you think you’re okay to drive. On the way home, you’re driving and rear-end a stopped vehicle. You and your friend are injured and you’re now liable for your friend’s medical bills and potentially lost wages.
  3. You decide to take your moped on a cruise out to the countryside. Unbeknownst to you, you forget to fill up the tank and run out of gas in the middle of nowhere. Fortunately, you purchased a roadside assistance policy and call your insurance company for a fill-up.

Driving a scooter is fun and insuring one isn’t expensive when compared to an auto insurance policy. It is important not only for you to protect your financial future, but to protect those that are around you as well, including any passengers. Be smart, protect yourself with a scooter or moped insurance policy.

Inspecting your roof in Houston, TXWe all know that owning a home is an expensive investment. Unfortunately, you can’t just move in and let it set. Homes require constant maintenance to ensure you don’t get costly damage. We suggest doing a yearly home inspection.

Most people will never venture up onto their roof to see what is going on up there. A homes roof takes a beating. In the summer, it bakes and the sealant can shrink and expand hundreds of times each year. Making sure your roofing is up to par will save you from costly damage such as mold, water damage, sagging rooflines, pests and much more.

During winter, rainwater can find its way through tiny cracks causing moisture in your attic or between the layers of roofing. Identifying these issues early on can save you thousands of dollars in repairs to the roof itself, drywall, mold or go into your walls creating all sorts of havoc. It is critically important to understand that your home insurance does NOT cover water intrusion damages caused by deferred maintenance.

Things to look for on your roof inspection:

  1. Missing or damaged shingles
    1. Shingles can become damaged by wind and hail or even just years of use. When inspecting your shingles, make sure the granules are covering the shingle. Ensuring that your shingles are in proper working order will ensure water stays out of your home.
    2. Look for curling shingles, or if wood, cracked or decayed shingles.
  2. Flashing
    1. Your flashing is the metal pieces that go around skylights, butt up against walls and down the valleys on your roof.
    2. Make sure these pieces are whole and without damage such as being twisted upwards, or having holes in them from rust or other damages.
  3. Flat Roofs: Look for obvious patches, cracks, tears, or blisters.
  4. Gutters: Make sure your gutters are clear from debris, are not leaking and are butted up tight against the structure.
  5. Chimneys: Ensure your chimney cap is on tight and if it is brick, inspect for cracks.
  6. Ventilation: Make sure your ventilation caps are clear of obstruction.

Inspecting your roof is a quick and easy job. Take your time and be careful while up there as there are many trip hazards and climbing on and off of the roof onto a ladder can be tricky. But, if done safely, a roof inspection can identify problems that would normally not be covered by your homeowners insurance.