Basics in Renewing your Insurance Policy


It is crucial to have an insurance that can give you protection you need for your future. Without it, it seems like you are living in a very difficult stage of your life. Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange for payment. An insurer, or insurance carrier, is a company selling the insurance; the insured, or policyholder, is the person or entity buying the insurance policy.

Any insurance policy is required as a renewal. An insurance renewal is the standard length of time an insurance policy is in effect without the insurance company adjusting your rate. Of course, once you renew it, there are probably some changes on its rules and regulations unlike on the agreement that you have been took before. You will receive a declaration page along with other information explaining your policy. New proofs of insurance are usually enclosed with the renewal information.

When do you think will be time to renew your insurance policy? Remember that the renewal date of your policy usually based upon the date your policy took effect. The other factor in determining your renewal date is the length of your policy period. The policy insurance are basically renewed annually that locked in for a full year or semi-annually which is very common in renewing policy every six months.

What are the things you need to do when renewing your insurance? The first thing you need to do is to review or examine your policy. Your renewal period is the best day to review your policy to verify discounts or to make changes to coverage. It is also the good time to contact your insurance agent as well. In addition, you also need to consider right payment. If you pay, your payment notifies the insurance company that you want to continue the policy. It is equally important to cancel your insurance policy if you do not want to continue because some companies do extend a grace period and may charge you for the grace period if you do not notify them of cancellation.

If you want to know more about insurances, or if you want to purchase new insurance policy, consult Galveston insurance professional agents of Rene Toman Insurance Agency at (281)332-3559. You can also use our contact form to submit your detailed concerns for an immediate response of one or our insurance agents.

Call us today and we will be glad to assist you for your future protection.


Filing a Claim on Your Auto Insurance


So many people in our current generation who are purchasing various insurances like home and vehicle insurance. Auto insurance is very important to all of the drivers or vehicle owners which is used to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise there form the specific terms of vehicle insurance vary with legal regulations in each region.

Sometimes it is a threatening task if you have not yet filed a claim before. Of course, in this case you don’t probably know who to call, what details you need, or if your policy has the appropriate coverage to cover the loss.

All you need to do first is to consult your agent or customer service representative to help you file a claim. Both the company’s service center phone number and the agent contact number must be listed on the policy. If you cannot find your policy check the proof insurance, the phone book, or the internet for the claim phone numbers. It is always depends on your state how long you have to file an auto insurance claim.

When you are filing a claim, you must need to collect all of the applicable details which is really important and can probably simplify the process. You must need to consider the information including the date and time of loss; location of loss; the year, make, and the model unit of all the vehicles involved; name of the drivers and passengers; contact info for your witnesses and other parties; description of vehicle damage; description of accident, the body shop you want to do the repairs, police report number, and the current location of your vehicle.

Finding out your coverage can be tricky if you are not aware with all of the insurance policies. It is accurate to determine the coverage you want to claim is to ask your insurance agent. Yes, filing a claim for the first time can be scary, especially if you are encountering a major loss. To prevent various problems, make sure that you have all the details you need so you always have access to it. Know the possible contacts, collect all the necessary information and find out if your policy covers your current loss.

To know more about the various information of vehicle insurance, it is about time to consult Houston auto insurance of Rene Toman Insurance Agency today. Call us at (281) 332-3559 and discuss your concerns with one of our professional agents. You can also visit our website for more details and updates.

Understanding the Significance of Home Insurance


Having a home insurance is very crucial, especially if you have some home emergency that will occur. Home insurance is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.

When shopping for the insurance you want or if you want to purchase a homeowner insurance policy, some people prefer to buy insurance online and some still remain purchasing with a local agent. Of course this kind of insurance is designed to protect home owners against certain risks and dangers. Home owners insurance is critical and if you carry a mortgage is a requirement by the mortgage company. If there something to happen to your home and it was destroyed completely, someone would still need to pay for it. If home owners insurance were not required, you would have to pay for a home still that did not exist.

As a homeowner, it is better to learn more about various home insurance policies. It is not too late to learn about homeowners insurance, to educate yourself to make sure you have your home properly covered that can probably save you a lot of hassle and drastically ease your worries away about the different you are not expected to happen.

Individual home insurance policies are determined by named perils and exclusions in a policy. Consult your agent or insurance company regarding any exceptions that may apply. If you have not yet found the right agent for your home insurance, it is about time to seek for it before it will be getting too late for you.

Galveston Home Insurance of Rene Toman Insurance Agency is the best rebuilder of your home whenever you need to remodel it or repair something to your home. You can find the kind of policy that is really affordable for the budget you have to work with.

To discuss what home insurance policy you want to purchase, you are free to dial (281) 332-3559 or visit our website for more interesting information for the kind of insurance you may need.

Difference between Condo Insurance and Home Insurance


Most of the homeowners nowadays are already aware of home insurance that they really need it doesn’t matter what type and style of your home you have. Home owners insurance is critical and if you carry a mortgage is a requirement by the mortgage company, and rightly so. If something was to happen to your home and it was destroyed completely, someone would still need to pay for it. So, if home owners insurance were not required, you would have to pay for a home still that did not exist.

Yes, it is never too late to learn about various knowledge of home insurance like with policy of condo insurance. Condominiums and townhouses have special insurance needs. They don’t need as much insurance as a house, but owners have more to insure than a renter. The insurance needs for a condominium owner include personal property and liability coverage.

Yes, they are both important, but of course, we need to know the differences between the two of them, the condo and home insurance.

If you own a house, most of the dwelling units will usually cover everything about the structure of your home including your furniture, fixtures, etc. It includes the exterior walls and interior walls as well as things contained between them. On the other hand, if you own a condo, the dwelling limit usually covers only the wall studs of your own unit inward.

Home insurance usually have a policy that covers other structures of your home and will typically only cover a portion of the cost of damaged personal property within the home up to usually about half of what the home is valued. It has a big difference when it comes with the condo insurance that does not offer the same like the coverage of home insurance because your unit is part of a larger building. But it usually cover half about half of what the home is valued as well as with the personal belongings, such as your money, important documents, jewelries, etc.

To determine the kind of insurance you want for your home or a policy covered by Galveston County Windstorm insurance, get in touch with the Rene Toman Insurance Agency today.

You can reach us at (281) 332-3559 or you can visit our website to fill out our contact form for your concerns.

Importance and Benefits of Having a Car Insurance Agent

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It is said that the only way to purchase car insurance was through an agent. But because of the new generations and custom methods, purchasing car insurance through the internet is becoming more and more prominent and efficient. But even though you think that purchasing online is better, you must need to find out first the importance and advantages of having an agent.

Yes, purchasing car insurance is definitely very important and you want to make sure the coverage is made clear at the time of purchase. We can take a few sources of car insurance, such as the captive agent that sells and offers one primary insurance carrier that works directly to the insurance company; independent agents that sells and offers insurance through multiple carriers; and direct online that no agent will be involved.

Having a car insurance agent is really one of the most trustee ways where you can easily seek for your agent’s background and you can make it sure that you will not experienced to be getting cheated. However, if one of the online insurance companies is already certified, why not to grab it?

There are different benefits you can achieve of having vehicle insurance agent. Personalized service is still in demand and most of the people are still looking for this kind of insurances. Lots of questions, maintenance, and claims surround car insurance. Having an agent is nice because you can always speak with the same person which builds a strong relationship verse multiple customer representatives.

It is also profitable if your agent knows your area; it is easy to relate and talk with your agent. If you have a claim, your insurance agent can easily response and will help you to provide a good body shops and glass companies to refer in your location.

In addition, you can also ask for multi-policy discounts because most of the insurance carriers offering products through an agent include car, home, and financial services unlike with the online companies that are not yet offering home and financial products discounts. But online insurance is super fast and convenient anytime of the day or night. But it is still up to you which insurance source you will take.

To forget your problems and drastically ease your worries in which company you will give your trust, consult the Rene Toman Insurance Agency of Houston Auto and Home Insurance that can provide the auto insurance Houston discounts and policies that are really efficient for your car needs. If you want the services with various discount option, just contact us and we will be glad to assist you.

Most Important Coverage in Auto Insurance

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Do you have a car? Are you already insured with your car? Do you have the right policy in your vehicle insurance? There is lots of coverage you need to know and must be familiar in case you are just a beginner. There is various insurances coverage on car insurance. One of the most common and very important is the one you need at the time of loss. But, you never know what coverage that might be since it can change per accident.

The most important coverage has to be your state’s minimum liability and property damage coverage. More than anything else you need to maintain car insurance to keep yourself legal to drive. You risk losing your driver’s license and fines driving without it. Get into an accident without liability coverage and you could be facing enormous penalties including bills from the damages you might cause.

Other kind of coverage is the property damage which provides coverage for other’s people’s property.  For example, if you are driving on the road and then you accidently hit another vehicle, the damage coverage of your car will cover the damages up to the limit listed on your policy. Yes, having protection other’s people’s vehicle and medical expenses is very crucial for your own financial troubles.

There are other kinds of insurance like Gap insurance, rental insurance, roadside assistance, minor violation forgiveness, and custom equipment. These car insurance coverage plays an important role has its place on certain policies. If you have the policy that you think you will not use, it is possible and fine to lessen the insurance coverage that you think can make your fees costly. But be prepared when you meet an accident or an unexpected event happens. You can only feel regrets once you already have the circumstances that you really don’t want to have.

With the help of Houston Auto and Home Insurance, you can be protected forever and as long as you still have your car by consulting Rene Toman Insurance Agency. We are one of the top leading companies that can definitely provide the Houston auto insurance coverage you want for your car.

To reach us, please call us at (281) 332-3599 or you can visit us online for more details and updates that you may be interested in. One of our knowledgeable representatives will be glad to discuss something good for your car.

How to Ensure Your Family and Your Own Protection?

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Many of the people nowadays are already owned their homes but they don’t have any home insurance yet. Some of them are just starting to purchase one and the rest; they don’t even care. If you already own a home, you probably have homeowner’s insurance to ensure your protection as well as with your family and belongings in times of an unexpected event. Many people thought that it is costly and they cannot afford it. But they don’t even understand first the benefits they can achieve and the policy that is really worth before saying a nonsense answer. They can only be getting realized it once they experience the event that they wish not to be happened.

If you already have the existing insurance for your home and for your family, the thing you need to consider is to understand and examine its policy actually covers. There are the policies and sometimes you don’t have it yet that you may be interested in. These include fire, lighting, wind, theft, hail, aircraft, vehicle, vandalism, explosion, smoke, riots, and exclusions. Each of these policies is playing certain roles for your protection.

When it comes to your property, you need to look for the covered and what liable for if someone is injured on your property. This usually varies from policy to policy that really needs a proper inspection for your coverage. Remember that the possible type of coverage you will typically find are very profitable for you, such as loss of use that cover additional costs, personal property and belongings which usually set the percentage of the building amount, dwelling and other structures that additional external structures on your property is covered, personal liability that involves when someone takes legal action against you for an injury on your property, and medical expenses in case you or your family member encountered a minor injury on your property.

What kind of insurance do you need? To drastically ease your worries for you protection, consult and trust the Galveston insurance policies of Rene Toman Insurance Agency to your single insurance resource that can offer you’re the satisfying insurance you desire. Contact us today and start to not be worried because we will help for your protection until the end.