Questions to ask before you choose your health insurance

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Choosing your health insurance is one of the most important things you do every year. Having insurance you can afford, and that provides coverage is vital for your good health. At Boss Insurance Agency in Kingwood, TX, we are independent insurance agents, and we offer our customers more choices. 

Questions to ask

Is my doctor in the network?

If you have a doctor you prefer, whether it is your primary care doctor or a specialist, it is important for your health that you have access to them. With some health plans, you have no coverage for doctors outside of the network. This is true with HMO plans except in a dire emergency.

What is my deductible?

Before your insurance starts to pay for services, you have to meet your deductible. High-deductible plans are popular these days because of their affordability. It doesn’t make sense, however, to have such a high deductible that nothing is paid. If you only want coverage for a catastrophic illness, a high deductible works,  but it is best matched with an HSA (healthcare savings account). 

Can I use a doctor outside the network?

Depending on what type of managed care you have, you may be able to get some coverage outside your network. With a PPO or a POS, you will get the best coverage by staying in your network, but you will be able to get some coverage outside the network.  

Does the policy include prescriptions?

Prescription coverage is not included with every health insurance policy. If you don’t take any prescription medication, this may not be an issue for you. If you do take medication, it is important to have this coverage and to know in advance how much of a copay you will need to pay every month. 

We Can Help!

Contact Boss Insurance Agency in Kingwood, TX when you are ready to discuss your health insurance needs. 

What Could Happen if You Fail to Take Out Home Insurance?

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If you own a home, it’s crucial to make sure that your property is protected with homeowner’s insurance. The fact is, homes are very expensive, and for many families, they are their most valuable asset. If you’re looking for home insurance, it’s wise to partner with an insurance agent who can explain the ins and outs of different plans. Visit Boss Insurance Agency, serving the greater Kingwood, TX community, to learn more.

The Consequences of Skipping Homeowner’s Insurance

First, Homeowner’s Insurance is required in some situations, and failing to take out an insurance policy could result in a breached contract. Often, when lenders offer mortgages, they will require that the home be insured. Why? Doing so lowers risks for the lenders.

Mortgages are typically secured loans, and the house purchased acts as collateral. If a homeowner falls behind on payments, the bank or other lender could take control of the house. Then the lender could sell the home and recoup at least some of their funds. If the property is damaged, however, say by a severe weather event, the value of the property will decrease. This means the bank may not be able to recoup as much money.

Further, for many people, their home is their most valuable asset and a crucial component of their nest egg. If an uninsured home is destroyed, it could quickly wipe out a family’s wealth.

Many home insurance plans will cover more than just damage to the home. In some cases, homeowner’s insurance will cover costs if someone is injured on your property. If a guest slips on a flight of stairs, your policy may cover medical bills and the like. If you don’t have homeowner’s insurance, you might have to pay these costs out of pocket.

Reach Out To Us

It’s crucial to study each homeowner’s insurance policy closely to see what is covered. Contact Boss Insurance Agency in Kingwood, TX to learn more.

How can a Texas flood insurance plan protect me?

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People throughout the Kingwood, TX area will find that owning a home is a good idea. If you would like to purchase a property here, getting insurance for it is always a good idea. One type of insurance that should be properly considered and assessed is flood insurance.

A flood insurance plan can protect you in various ways:

Financial Coverage

One of the top reasons to get a flood insurance plan is so you can receive helpful financial coverage. If you are a property owner that is impacted by a flood, there can be significant costs associated with repairing your home and replacing personal items. When you have the right insurance, you will have support to cover all of these repairs and replacements. This could end up saving you a considerable amount of money out of pocket.

Access to Resources

Another benefit of having a flood insurance plan is that you may have access to resources that you may not otherwise have. If your home is damaged by a flood, starting the cleanup and repair process immediately is very important. If you are not insured, you may have a harder time getting access to a contractor. When you have flood coverage, the insurance claims department can be notified, and the remediation process can start sooner, which can even reduce the impact of the flood.

Reach Out To Us

It is always a good idea to get the right type of insurance when you are in the Kingwood, TX area. When you are looking for this coverage here, it would be a very good idea to call our professionals with the Boss Insurance Agency. You will find there are a lot of choices to make when evaluating insurance options and our team with Boss Insurance Agency can ensure you obtain the necessary support.  

Tips to prepare your boat for a storm

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Weather can be unpredictable here in the Kingwood, TX area, so it’s important to prepare your boat for a storm.

Here are some tips from us at Boss Insurance Agency to help you get ready:

1. Check the Weather Forecast:

Before you head out on the water, take time to check the weather forecast. Pay attention to any specific warnings that may be issued and plan accordingly.

2. Secure Your Boat:

Make sure everything is properly secured onboard, including extra lines and fenders. You don’t want anything flying off or getting damaged in the storm. 

3. Inspect Your Vessel:

Check your boat for leaks or any other issues that could arise during bad weather conditions. 

4. Have Necessary Supplies on Hand: Make sure you have necessary supplies such as flares, life jackets, first aid kits, etc., in case of emergency. 

5. Fill Up Fuel Tanks:

Make sure your fuel tanks are full so you can keep running during a windy day or if you need to make an emergency maneuver in rough seas. 

6. Have a Plan:

Know where you are going and how to get there before leaving port. Make sure you have an escape route in case the weather turns bad quickly, as well as a place to seek shelter along the way. 

7. Anchor or Dock Securely:

When anchoring or docking your boat for the night, make sure you do it securely and safely. This will help protect your vessel from any rogue waves or strong winds that could come up. 

Keep Your Boat Insurance Updated

By taking these simple steps ahead of time, you can ensure your safety and protect your vessel from any potential damage that a storm may bring its way! For more tips, call us at Boss Insurance Agency today. We serve the Kingwood, TX area.

Tips to prepare your car for a storm

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With the upcoming storm season looming here in the Kingwood, TX area, it’s important to make sure your car is ready for any and all extreme weather conditions.

Here are a few tips from us at Boss Insurance Agency to help you prepare your car for a storm.

Tips to prepare your car for a storm

1. Check your battery and tire pressure

Having a strong battery and properly inflated tires can help you stay safe during long drives in bad weather. Make sure to check both before the storm season so you’re not caught off guard. 

2. Stock up on supplies

Keep an emergency kit in your car, just in case you get stuck somewhere during the storm season. This should include things like jumper cables, flashlights, water, snacks, blankets, and other essential items that will come in handy if something goes wrong. 

3. Inspect your windows

Make sure all of your windows are sealed properly so they won’t leak or be affected by heavy rain or winds coming through them. This will also help keep the interior of your car dry during storms. 

4. Top off fluids

Check all of the fluids in your car such as oil and windshield wiper fluid to ensure they’re at optimal levels before any storms hit. Having these fluids topped off can help reduce stress on your engine and other components during bad weather conditions. 

Reach Out To Us

Following these tips can help keep you safe during a stormy season and keep your car running smoothly throughout it! For more tips like this, give us at Boss Insurance Agency a call today. We are proud to serve the Kingwood, TX area.

Frequently asked questions about life insurance

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Some types of insurance are required by the state or lenders, but some types are optional. One of these is life insurance. Boss Insurance Agency assists the greater Kingwood, TX area residents with this vital coverage. 

How do you know if you should get life insurance? Below is the answer to that and more common questions about life insurance.

Life Insurance FAQs

Do I need life insurance?

It depends on a few factors. If you are the main income provider and your family or dependents will suffer financially if you die, it would be a good idea to get life insurance. If you do not largely contribute to your household’s income, it doesn’t make sense to get a policy.

What is the difference between term and permanent life insurance?

There are a few different types of life insurance. The most common types are term and permanent life insurance. Term life insurance means you are insured for a certain period of years before it expires. Permanent life insurance lasts for the rest of your life until you die and has the option of cash value.

How much life insurance should I get?

It depends on your income and your net worth. People use a few different formulas to determine how much life insurance to get. You can multiply your annual salary by ten. Another way is to multiply your salary by ten and add college for each child. Some people use another formula called DIME. DIME stands for debt, income, mortgage, and education.

What types of life insurance are there?

There are three types of life insurance. These include term, permanent, and universal.

Give Us A Call

If you are in the market for life insurance, give us a call at Boss Insurance Agency in Kingwood, TX.

Benefits of Health Insurance

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Health insurance is important for your health and financial security. An unexpected health event can quickly result in big bills when you are at your most vulnerable. At Boss Insurance Agency in Kingwood, TX, we offer many types of insurance, including health insurance. 

Benefits of Health Insurance

Financial Security 

One of the benefits of purchasing health insurance is financial security. Medical bills are the top reason why Americans remove money from retirement accounts or file for bankruptcy. 

Insurance coverage protects you from catastrophically high medical bills. 

Less Expensive Healthcare

Insurance coverage not only protects you from high medical costs associated with a serious illness or injury. They also make routine care less expensive. 

Doctor visits and prescriptions are much less expensive with health insurance. 

Preventative Care 

Most insurance plans provide certain types of preventative care for free. Other types of preventative care are covered under insurance, so you only need to pay your copay. 

Preventative care is important for staying healthy. It’s designed to prevent diseases or to catch them in the early stages, while they are easy to treat. 

In fact, studies show that people with health insurance live longer and are healthier than those without insurance. It’s believed that access to preventative care is one of the reasons for this. 

Access to Care 

Insurance isn’t typically required to receive medical care, but it does make it easier to be seen by a provider. You are only responsible for your copay, and many doctors’ offices are willing to bill you. 

When you don’t have insurance, most offices will require payment upfront. This can make getting care more difficult. 

Give Us A Call

If you need health insurance in the Kingwood, TX region, contact Boss Insurance Agency. We are here to meet all your insurance needs. Our friendly agents will discuss your needs and coverage options and help you select the best policy for you. 

Tips to Help Minimize the Chances of a House Fire This Holiday Season

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At Boss Insurance Agency, serving the greater Kingwood, TX area, we have seen many house fires happen during the holiday season. As such, we are offering tips that can help you to minimize the chances of your home going up in flames this holiday season. 

Tips to Minimize the Chances of a House Fire

Keep Your Tree Hydrated

One of the most common reasons for house fires during the holiday season is that trees get dried out, and then warm lights can ignite a flame. If you decide to get a real tree, always ensure the tree stays hydrated. If the tree is drying out, avoid using the lights on the tree. 

Ensure You Do Not Overload Your Electric System

Electrical fires are also common this time of year. You are plugging more things into your electrical system, including holiday lights, inflatables, trees, and other decorations. It is easy to overload your electrical system. Be mindful of what you plug in, and if you are setting up an extravagant holiday display, contact an electrician to ensure your electrical system can handle the new load. 

Blow Candles Out  

You may host many holiday parties with friends and family during the holiday season, and you want your home to look and smell its best. As such, you may light some scented candles. Always be sure to blow these candles out at the end of the night. 

Get or Update Insurance Coverage For Your Home

These tips can help to minimize the chances of a house fire happening this holiday season, but you cannot prevent every house fire. This is why it is so important to have home insurance that you can trust and rely on. Here at Boss Insurance Agency, serving the greater Kingwood, TX region, we can help you find a policy that will cover you should the unexpected happen. Give us a call now to obtain estimates for a home insurance policy. 

What Does Flood Insurance Cover in Texas?

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As a homeowner in Texas, it’s essential to be aware of the dangers of flooding and to have adequate protection against this natural disaster. Flood insurance is an integral part of that protection, but what does it actually cover? Boss Insurance Agency is here to help. 

What Does Flood Insurance Cover?

Flood insurance covers damage to your home and personal property caused by flooding. This includes water that enters your home through foundation cracks, windows, or doors; water that rises from the ground and enters through openings in your foundation; and water that overflows from rivers or lakes onto your property.

What Does Flood Insurance Not Cover?

There are some things that flood insurance does not cover, such as damage caused by storms, high winds, or sewage backup. It also does not cover costs associated with moving your belongings to a safe location or repairing any cosmetic damage to your home (such as repainting).

Your Boss Insurance Agency representative in Kingwood, TX can help determine whether you need flood insurance and how much coverage is right for you.

How Much Does Flood Insurance Cost?

The cost of flood insurance depends on several factors, including the age and value of your home, its location, and whether you live in a Special Flood Hazard Area (SFHA). Other factors affecting your premium include the policy type and the coverage you need.

Get The Right Coverage Today

For a homeowner in Texas, it’s crucial to have adequate protection against flooding. Flood insurance is essential to that protection, but what does it cover? Now that you know more about what flood insurance covers and doesn’t cover, you can decide whether it’s right for you. If you have questions or want a quote for flood insurance, give us a call at Boss Insurance Agency in Kingwood, TX today.

Does boat insurance cover water skiers?

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Picture this: You’re out on the lake, enjoying the warm summer sun and the freshwater smell. You’ve got your boat, and your friends, and everyone is having a great time. Suddenly, someone falls while water skiing and sustains some injuries. Will your boat insurance cover them? Boss Insurance Agency is here to answer your questions about boat and watercraft insurance in Kingwood, TX.

Water Skiers Are Usually Covered Under Boat and Watercraft Liability Insurance

There are a few things you need to know about boat insurance and what it covers. Most standard boat insurance policies will cover you for liability if someone is injured while on your boat. This includes water skiers, wakeboarders, tubing, and even swimmers who are hurt while in the water near your boat. And just so you know – Injuries that occur while people are loading or unloading from your boat are also usually covered.

But There Are Some Exceptions

However, there are some situations where boat insurance will not cover injuries. For example, if someone is hurt while using equipment that came with the boat, such as oars or a tow rope, they may not be covered. Additionally, most policies exclude coverage for racing boats or boats used for commercial purposes.

Boss Insurance Agency is Here to Help

So, does boat insurance cover water skiers from Kingwood, TX? The answer is usually yes, but there are some exceptions. The best way to know for certain is to check the coverage listed in your policy. Contact an agent at Boss Insurance Agency to look at your policy to see if water skiing (or any other activity) is covered. We’ll make sure you have the coverage you need.  Then go out and have fun!

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