Auto, Business, Home and Life Insurance Services for Alvin, Angleton, Clear Lake, Friendswood, Manvel, Pearland and Webster, TX
Independent Insurance Counselors can customize any insurance plan to meet your specific needs. Our areas of expertise include the following:
Independent Insurance Counselors
Homeowners’ insurance provides coverage in the event of damage to your property, as well as liability for injuries and damage you cause to other people. The homeowners’ insurance section of IIC web site can help you make the right choices about this necessary protection for you and your family and why it may save you money to have a separate windstorm policy.
Auto insurance protects you, and others, from financial ruin in the event of an auto accident. It also comes to your rescue if your car is vandalized, catches on fire or is stolen. Beyond protecting you financially, auto insurance is a social responsibility. Those who drive without auto insurance, and without the ability to pay for damages they cause, put the rest of us at great financial risk.
Although you may not have considered it, your ability to earn income is a significant asset and life insurance helps replace lost income in the event of premature death. A life insurance policy safeguards your family from financial ruin in the event of your passing.
When choosing an individual health insurance plan your first decision is what type of plan to choose. For major medical plans there are basically two types offered. One is the co-pay style plan with the doctor office visit co-pays and the prescription card co-pays. The other is the large deductible plan without the co-pays. Both plans have advantages over the other.
You can purchase business insurance for nearly every operation and risk your business faces including property insurance, casualty insurance, liability insurance, commercial auto, workers’ compensation, business interruption, health insurance and life and disability insurance.
Mike Lansford is a certified CWCA WorkComp Advisor. He is an expert in Workers’ Compensation policies and can reduce the amount you have to pay by finding classification error and fixing them, returning money through policy audits and helping you avoid costly future errors.
What is your largest asset? Many people would respond, their home. Actually your ability to earn an income could be your greatest asset. Let’s assume you are one of the few middle-class Americans left.
Flood insurance covers only one peril, and that is rising water. Common causes of rising water are rainstorms or a tidal surge from a hurricane. An overflowing bathroom tub does not constitute a flood. For rising water to be covered by flood insurance a general condition of flooding must occur.
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