Auto Insurance Requirements in Austin, TX

There is quite a bit that is worth knowing about auto insurance in every state. If you live in the city of Austin TX, you can consult with the professionals at Southwest Insurance Center to see if they will answer your questions and provide you with options.

In the state of Texas, you are required to show proof that you are able to pay for the accidents you would cause. Most of the time, drivers will fulfill this requirement by purchasing auto liability insurance. Liability insurance covers repairs and replacements that are needed for the other driver’s vehicle. It will also pay the expenses that the others incur medically when you happen to be at fault in an auto accident.

You need liability coverage in most cases. In Texas, you will need to have a minimum of $30,000 of coverage that will cover injuries per person and up to $60,000 for each accident. You also need $25,000 of insurance coverage that is payable for property damage. You can also think about purchasing additional liability coverage, and there are other types of coverage as well. These include comprehensive coverage, collision coverage, personal injury protection coverage, medical payments coverage, uninsured/underinsured motorist coverage, rental reimbursement coverage, and towing and labor coverage. You will need collision and comprehensive coverage as well if you still owe money on your vehicle.

When you purchase coverage, it will typically cover you, your family members, and anyone else who is driving your vehicle with your permission. Of course, you should talk to your agent to see if anyone is excluded, since it may differ from policy to policy.

If you drive a car in Austin, TX, you should contact the professionals at Southwest Insurance Center to see how they can help you with auto insurance coverage. They will be able to answer any questions that you might have and perhaps even steer you towards the insurance plan that is right for you.

An Overview Of Dwelling Fire Insurance

Southwest Insurance Center offers multiple types of insurance coverage. We assist our clients throughout Austin, TX, as well as the surrounding areas. We are committed to making sure that our clients find the coverage they need to protect their assets. We have relationships with several different carriers throughout Texas.

Dwelling Fire Insurance Overview

Sometimes, the South is known for its intense weather. During severe cases of weather, some areas are prone to fire. Whether it is caused by severe weather or just accidentally, a fire has the potential to cause serious damage to your property. While traditional coverage may cover fire damage due to a natural disaster, consider the benefits of dwelling fire insurance. Dwelling fire insurance covers any fire damage that occurs as a result of an accidental fire where you are responsible. The policy also covers any damage to your personal belongings. However, if you have luxury items that suffer fire damage, you may need to amend your policy in order to cover those items.  Dwelling fire insurance also covers you if your home suffers damage due to faulty wiring. You can add liability coverage to this policy so that you will be protected if the fire causes damage to someone else or their property.

Temporary Lodging Coverage

If the fire causes enough damage that your property becomes uninhabitable, you can add temporary lodging coverage to give you a safety net as you find temporary housing in Austin, TX until your property is repaired.

Additional Structures

You can add extra coverage to protect other structures on your property if they suffer damage. This protects you if your garage or trailer suffers fire damage.

Southwest Insurance Center Will Assist You

Visit our website today to learn more information about dwelling fire insurance.