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Kelly Malatesta
Mortgage Banker
9595 Six Pines Dr, Suite 6290
The Woodlands, TX 77380
Phone: 281.465.7424


Woodlands Insurance Services

Buying insurance in The Woodlands does not have to be complex or difficult. Choosing the right insurance service and taking a few extra steps will make certain policies provide all the coverage needed at a reasonable rate. Several tips will help when shopping for insurance.

The first tip is to make sure coverage amounts are high enough when buying insurance. It is often a good idea to look at the realistic cost of replacing or repairing items like a home or car. Some suggested homeowner’s insurance amounts are not enough to actually rebuild the entire house after a fire or other emergency. Similarly, a little extra auto insurance coverage or recreational vehicle coverage can make it much easier to deal with a serious accident or other event.

Another piece of advice is to try to lower various risk factors before applying for insurance. Homeowners can take steps like installing a security system, erecting fences around a pool and adding safety systems like sump pumps or sprinklers. Drivers can take defensive driving courses or reduce daily mileage amounts. Improving personal credit scores will also help. These factors help to reduce the amount of statistical risk so the premiums are lower for each type of insurance.

It is always best to try to bundle different types of insurance coverage when multiple policies are needed. Companies like Woodlands Insurance Services offer auto, life, recreational and home policies. The advantage of bundling these insurance services is that the overall price is normally lower. Additionally, policyholders will have a simpler time tracking bills or getting service. Combining policies through a single insurance service should be done whenever possible.

A form of insurance that many people ignore in The Woodlands is life insurance. Life insurance should not be ignored. Life insurance is a way to provide financial protection for family members and loved ones. It can make it easier to deal with expenses like a funeral or unexpected medical bills. Life insurance generally costs very little when compared to other types of policies. Anyone shopping for insurance services will want to make sure to consider life insurance since it will make estate planning and caring for beneficiaries simpler.

A final tip is to make sure to use independent insurance services in The Woodlands. Some services are specifically tied to just one or two large insurers. This will limit choice and might result in a poor policy. Going through independent services will make sure there is real competition and choice. Independent insurance services can provide the best policies and rates.


New Website

Hometown Insurance Partners has a new website.