Homeowners Insurance? HO3? Dwelling Fire? I’m So Confused! Are you confused by the multitude of different types of insurance policies […]
Frequently Asked Questions
At Actsphere, we treat every client as if they are our only client. We understand that there is no one size fits all model, so we embrace different communication outlets and platforms for our clients’ convenience so that we may discuss coverages, offer value, and save them money. We hold our core values of Accountability, Commitment, Trust and Stewardship as a guiding force on how we conduct ourselves, treat our team, and interact with our clients. Essentially, we view our work as a “purpose” and not just a job. We care.
Independent agency means that we can quote with several different “A” rated carriers. Our clients are not confined to only one carrier from which to choose. We write policies with over 40 different carriers which enables us to select the perfect coverage needed at the most competitive rates.
There are a few ways you can file a claim.
- You can call the carrier directly. If you need their number, you can find it on our Policy & Claims Management page. Additionally, on each carrier’s website there may be an online option for you to submit your claim. You can access that through the Policy & Claims Management page as well.
- Another convenient way is to simply call or text our office at (832) 956-1033. We always love to hear from our clients and want to be available to you when you need us most.
We offer a full line of personal and business insurance such as home, renters, dwelling/fire, auto, umbrella, flood, life, and business/commercial. Please visit our Services page to learn more about our many offerings.
A percentage deductible means that if (or when) you file a claim you would have to pay 1% or 2% of the total Dwelling “A” coverage (e.g. Dwelling coverage is $325,000.00 with a 1% deductible. The insured’s deductible would be $3,250.00). In contract, if the insured had an actual dollar amount for their deductible, they would just pay the dollar amount (e.g. Dwelling coverage is $325,000.00 with a deductible amount of $2500. The insured’s deductible would be $2,500.00).
If you are held legally responsible for an accident (in or out of your home) that results in bodily injury or property damage, you would be covered by the personal liability portion of your homeowners insurance. Medical bills, legal fees, and other expenses, as well as coverage for accidental damage to another’s property that is your fault, would all fall under your personal liability coverage if a guest is injured on your property.
In most cases, flooding is not covered under your homeowners insurance policy. Coverage for certain types of flooding is a separate product. We recommend that anyone who owns a home or who has a rental purchase flood insurance. We would be happy to discuss flood insurance with you and to answer any questions you may have about this essential coverage for Houstonians.
It is recommended that you add your teenager on your auto policy as soon as they are licensed. If you have a licensed teenager (child) living in your residence, the carrier may take it upon themselves to add the child to your policy. Typically, they would provide some type of notification before adding your teenager.
Yes, you are covered under your auto insurance if you drive out of state.
Yes. In the state of Texas, if your guest has permission to drive your vehicle they will be covered as well as the vehicle.
With most auto insurers, if you have full coverage on your vehicle, it is most likely the rental car would be covered under your auto policy. However, we recommend that you contact us to make sure the vehicle will be covered under your policy.
Life can be complicated, so we love this question. To keep it simple:
Whole Life is a permanent product. There are no term limits. If you’re making your payments on time, the premium and death benefit remain the same. A Whole Life policy builds cash value over time, so let’s say you have a life policy with a death benefit of $250,000. You purchased the policy 5 years ago, so five years later you’ll still have a death benefit of $250,000. However, you will see a cash value amount that may range from $10,000-$20,000 based off the market (request illustration for cash value detail).
A Term Life policy is for a specific term (i.e. 10, 20, or 30 years). In most cases, the death benefit remains the same. However, there are Term Life products with a decreasing death benefit. At the end of the term, the premium begins to substantially increase by month. Term Life insurance has a much lower premium than Whole Life insurance. Additionally, there are other life products that are available that may be a better fit for you. We would love to talk to you about them.
Actsphere offers a variety of choices when it comes to Life Insurance. Contact us today for your quote!
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