Archive for the ‘Auto Insurance’ Category

Safeco Insurance The Woodlands TX

Having Safeco insurance allows families to have complete coverage for their homes, cars, and other personal items. While discussing all of the benefits of having Safeco, it is wise to remember that each of the policies that the family buys comes with low prices, excellent customer service, and the assurance that Safeco is on the side of every policyholder.


Safeco made a name for itself in low-cost auto insurance, which is tailored to every customer’s policy. While these policies come in many shapes and sizes, they are all fairly-priced for the customer. For the customer who has an automobile that is not highly-valuable, they might want to consider a collision only policy, which would cover the cost of repairs only for the other party’s automobile or property. For the customer who wants a full coverage policy, it would cover both the customer’s automobile as well as the other party’s automobile or property.


Homeowners insurance is the only thing a homeowner is required to have once they purchase a home. All lenders require their customers insure their home, and insurance is a protection no family can do without. The protection that a homeowners insurance policy offers allows for the entire home to be rebuilt in the event of a catastrophic loss, the replacement of all of the personal property inside the home and other expenses related to the loss of the home. Homeowners insurance can also have riders for personal items of immense value such as jewelry, collectibles and/or musical instruments.


Renters insurance is perfect for customers who rent their apartment or home but realize that they need coverage for their personal property.

Other insurance policies can be taken out individually for valuable items. There are also policies for RVs, motorcycles, and boats. With help from Safeco, a customer can have coverage for every major investment in their life to help protect those items, their family, and their home.



For over one hundred years, MetLife (also known as Metropolitan Life Insurance Company) has provided outstanding insurance coverage. Their superior claims service is available twenty-four hours a day, seven days a week and three hundred and sixty-five days a year.

Term life insurance is a great financial safety net for anyone to have, and MetLife offers this service to anyone who would need it. MetLife’s term life insurance will provide money that can be used for displaced income, debt, bills and more. There many different options available from MetLife, including final expense life insurance, whole life insurance and universal life insurance. You can also decide on the number of years for your policy.

For car drivers looking for an affordable and reliable auto insurance policy, MetLife is here to help. MetLife offers many different coverage possibilities for auto insurance including liability protection, collision protection, medical coverage, uninsured motorist coverage and enhance car rental coverage. To help make the auto policies more affordable, MetLife offers discounts for safe drivers, young drivers and flexible payment options. And in case of an automobile accident, MetLife’s agents will provide swift claims service.

One of the best financial decisions that a homeowner could make is to receive homeowner’s insurance. Luckily, MetLife provides some of the best home insurance needed today. The financial support provided by homeowner’s insurance could cover the cost of home repairs, home rebuilding and replacing damaged property. Thanks to MetLife, your living residence will be covered.


Car Insurance In Texas Goes Electronic

In Texas, drivers now have the ability to access their insurance cards online using hand held devices. These hand held devices can now be used to legally show proof of insurance to police officers.

In a program called TexasSure, car insurance companies in Texas are now required to upload their information on a secure website that will allow insurance holders to quickly access their auto insurance information. This will eliminate the need for paper copies of insurance information, and will make the relationship between insurance companies and consumers an overall simpler and smoother process.

Often times, individuals will forget to put the paper version of their insurance card in their car or wallet. However, it is a rare occasion when an individual is traveling without their cell phone. By having the ability to display their proof of insurance using an electronic device, individuals will be less likely to be fined or ticketed for not having proof of insurance.

This will also be helpful in the event of a car accident. Drivers can exchange insurance information quickly, without having to go into the glove compartment of a wrecked vehicle to retrieve their paper insurance card.

Not only will the program benefit the consumer, it will benefit insurance companies and law enforcement as well. In the past, it was common for individuals to sign up for insurance, only to cancel the coverage plan soon after receiving their insurance cards. This would sometimes make it difficult for law enforcement to determine who had legitimate insurance and who didn’t.


Mercury Insurance Group

Mercury Insurance Group is one of several insurance providers represented by Hometown Insurance Partners. They pride themselves on being able to offer competitive rates along with excellent customer service. They have been protecting families for over 45 years and they understand the importance of having an insurance agent who will take the time to understand your needs, so that you are given a policy that best fits your needs.

Mercury understands that accidents can occur even with the safest of drivers. Therefore, Mercury offers many different levels of auto insurance coverage in The Woodlands, TX. This includes liability coverage, coverage for collision, comprehensive coverage, coverage for medical bills that were a result of the accident, personal injury protection, and coverage against uninsured motorists.

There are many discounts available for individuals seeking auto insurance with Mercury. Many insurance companies may not be so eager to volunteer information pertaining to discounts, but the agents at Mercury won’t hesitate to do so. Your agent will work hard to pinpoint any discounts that you qualify for. Some of the most common factors that lead to discounts include: adding multiple vehicles to the insurance policy, having a satisfactory driving record, and making good grades.

Mercury also provides a wide variety of home insurance policies. If you are looking for homeowners insurance, it is important to have a dedicated insurance agent on your side, who will provide you with valuable information that will help you choose the policy that is right for your specific situation. With so many options and add-ons to choose from, it is easy to become overwhelmed, but an experienced Mercury insurance agent will happily assist you throughout the process. Mercury Insurance group also offers a discount to individuals who sign up for both an auto and home insurance policy.

The available home insurance coverage options include but are not limited to: medical protection for guests who are injured at your home, coverage for damage done to your home by storms and fire, and coverage for items in the home lost due to theft.

Hometown Insurance Partners is an independent insurance agency that represents insurance carriers like Mercury Insurance Group who have been carefully selected for their ability to provide top notch insurance coverage, great customer service, and affordable rates.


Auto Insurance The Woodlands

What are the things you look for most in auto insurance?

  1. Cost
    When looking for auto insurance, the amount of premiums can vary greatly in price. As low as $50 per month on up to $150 per month or more, just for one person. If you have your spouse and your children on your policy, you can possibly get a group discount, but not always. If also thinking by paying more than the next guy you are getting the best coverage, think again. You could be paying more for less! Sometimes companies will keep you locked into the same rate with the same coverage and will only offer cost adjustments at your request. Be sure to ask your auto insurance agent about any discounts or policy changes you can make to reduce the amount of your premium.
  2. Amount of Coverage
    The amount of coverage you need is only important when you have to use it, so make sure you have the most coverage you feel comfortable paying for. If you have a brand new vehicle and you’re making payments, you will most likely have full coverage, and that is because your bank wants to protect what they still own. Once the vehicle is yours, you can have any kind of coverage you desire. With an older vehicle, you may feel it is time to drop to liability only since damage to your vehicle may not give you much back in return. If your vehicle gets totaled and you have been paying $80 per month for 2 years, that will be $1,920, and if your vehicle is only worth $2,500, then after a deductible of $500, you will get back what you paid plus $80. If you are paying $50 per month for 2 years, that will be $1,200, and if your vehicle gets totaled (assumming it’s not your fault), after a $500 deductible you will get back what you paid plus $800.
  3. Reliability
    When (and if) you finally need to use your auto insurance, you need to know the company you chose will be there for you. Most of the major insurance companies have been around for decades, and they are all fighting to be your insurer. At certain times some will offer better rates than their competitiors, so it’s always good to shop around every few years and see if you can get better coverage for a lower price. We all like staying with whom we  comfortable with, but when an insurance agent just wants to quote you, that is all it is. They just want to give you a chance to offer you something better.

Woodlands Insurance Services

Hometown Insurance Partners has been in the insurance business, by owner Troy Johnson, for the past 24 years, and because Troy Johnson knows all the ins and outs of the business, he can find the “right fit” for anyone. Some shoppers may just want the lowest rate possible with little concern about the type of coverage offered. This is where Troy Johnson steps in. He knows that someone may be paying less for their Woodlands insurance services but may end up finding the type of coverage they were expecting, is not there when they need it most. Hometown Insurance Partners is connected to many different insurance providers, which allows Troy the freedom to find the best rate with the best coverage (what we call a “right fit”) for each and every person.

Different avenues of life call for different types of coverage, at different times. When a teenager just begins to drive, we all know that the rate is much higher as compared to a seasoned adult. On the opposite side of the coin, life insurance may not be a high priority for a teenager, but will be for a senior. The same insurance policy that began as a young adult will need to be reviewed and adjusted as an adult. When there was once just one person, there may now be a spouse, with children. When different modes of life happen, Hometown Insurance Partners will be there to see that the insurance is the “right fit”.