Personal Insurance

There are many types of personal insurance available to protect you, your family, and your most valuable assets. Whether you are purchasing your first car or moving into a new home, the team at Gene Garner Insurance is here to help you with all of your insurance needs. We specialize in auto, home, life, flood, renters, and health insurance throughout Cyprus, Spring, The Woodlands, and surrounding Houston communities. Let’s take a look at some of these insurance programs and what they typically cover.

Auto Insurance – Motorists in Texas are required to be able to pay for damages or injuries that result from an accident they are responsible for. This is most commonly achieved through an auto insurance policy with liability coverage. Each driver must hold a certain level of liability coverage to meet the minimum requirements set by Texas law however these limits may be increased to further protect you. Optional coverage may be added to protect your vehicle from both collision and non-collision related damages.

Home Insurance – For most individuals, the purchase of their home will be the single largest investment they make throughout their lifetime. Protecting that investment through a home insurance policy is vital. A typical home insurance policy will provide coverage for your home, other structures on your property, personal belongings, and liability coverage in the event someone is injured while on your property. Additional coverage can be added to a homeowners insurance policy to protect things like high-value belongings or to provide identity theft expense coverage.

Flood Insurance – Many people believe that their homeowners insurance policy offers protection from flooding when in fact it is does not. A separate flood insurance policy is required to cover any damage to your home caused by floods. The damage caused by flooding can reach hundreds of thousands of dollars. Flood insurance is something no homeowner should be without.

Renter’s Insurance – If you are renting your home, your landlord will have insurance on your property. Many people believe this insurance will cover their belongings if the property is damaged but this is not true. This insurance will cover only the building and the premises you rent. Renter’s insurance is needed to cover the contents of the property which includes your personal belongings. Fortunately for renters, renter’s insurance is very affordable.

Health Insurance – Employers often provide Health Insurance as part of an employment benefits package. Sometimes, these plans may not be the best fit for someone and their family. For others, such as those who are self-employed, this option is not even available. There are many health insurance plans available and the task of choosing one can be daunting. At Gene Garner Insurance, our experienced staff will guide you through the process of selecting the health insurance policy that meets your exact needs.

Life Insurance – Life insurance allows you to care for your family even after you have passed away. It is a valuable investment at any age, however shopping for life insurance while you are young and healthy can save you money and provide you with better coverage options. Most employer-offered life insurance plans are inadequate and can leave your family unprotected. Be sure your family is properly taken care of with a quality life insurance plan.

At Gene Garner Insurance we specialize in these many personal insurance programs and more. Our team will put together a policy or group of policies that meet all of your individual needs. Contact us today to see how we can help you!