Smart Coverage for Your Family, Home, and Business

In most cases, yes—but it depends on your policy. Many policies include "Permissive Use," which means drivers you give permission to are typically covered, as long as they aren't specifically excluded. However, if a licensed driver lives with you or regularly uses your vehicle, we recommend adding them to your policy. Not sure where you stand? Give us a call—we'll walk you through your specific coverage.

Med-Pay (Medical Payments) covers medical bills for you and your passengers—no matter who caused the accident. Unlike Bodily Injury Liability, which covers others when you're at fault, Med-Pay pays fast—no adjuster approval required. It's optional, but it fills coverage gaps, reduces out-of-pocket costs, and can help prevent lawsuits.

Absolutely. You can cancel personal policies—Auto, Home, and similar—at any time, usually with no penalty. Most preferred Texas carriers don't charge cancellation fees, and policies are cancelled pro-rata, so you only pay for the coverage you've used.

Usually, yes—if you have Comprehensive and Collision (full coverage) on your policy, that protection generally extends to a rental car. In other words, whatever coverage you carry on your own vehicle follows you into the rental. But here's what to watch for: if the rental agency charges a daily rate while your car is being repaired after a claim, that cost may fall on you. For longer rentals—or when driving somewhere unfamiliar—we recommend adding the rental agency's insurance to cover those daily fees.

Nobody enjoys filing a claim—but it's why you have insurance in the first place. Before you call, do these two things: Stay safe first. In an auto accident, get to a safe spot before thinking about the claim. If your home is damaged, stop further damage right away—like shutting off the water if a pipe bursts. Compare the cost against the risk. Ask yourself: "Is filing worth a rate increase for 3–5 years, or should I just pay out of pocket?" Example: You're at fault, repairs cost $850, and your deductible is $500. Filing only saves you $350—but could raise your premiums for years. Often, paying the difference yourself is the smarter call.

Yes, most states require insurance—but plenty of drivers ignore the law. Uninsured/Underinsured Motorist (UM/UIM) coverage protects you and your passengers if you're hit by someone with no coverage or limits too low to help.

There are several practical ways to cut your premiums. Here are five of the most common: Bundle your policies – Carrying only one line of insurance (say, auto without home or renters)? You're likely overpaying. Bundling multiple policies with one carrier is one of the fastest ways to save across the board. Good student discount – Have young drivers at home? They may qualify for a discount by keeping a high school GPA of 3.0 or higher. Multi-car discount – Insuring your household vehicles on separate policies means you're probably paying more than you need to. Keep them together, save on all of them. Occupational discounts – Your career can earn you savings. Police officers, firefighters, teachers, registered nurses, scientists, and four-year degree holders often qualify for special rates. Active alarms – Home and vehicle security systems can also lower your premiums.