Posted on July 24th, 2014 by Troy Johnson

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


Homeowners Insurance Magnolia TX

Posted on February 5th, 2014 by Troy Johnson

If a home is considered the single biggest investment that an individual could possibly make, then it is perfectly reasonable to protect that investment. After all, homeowners in Magnolia, TX invest money into purchasing a home and spending valuable time in it. Homeowners insurance is perhaps the greatest thing that an individual can do to protect their home. If a mortgage is being purchased, then homeowners insurance is usually a requirement. Even if there is no mortgage, homeowners insurance should be sought. The investment of homeowners insurance can provide tremendous financial stability and peace of mind.

In essence, homeowners insurance protects the structure and the property. However, the best policy goes beyond just the property. A good policy can also protect a percentage of the belonging and assets of the homeowner. The coverage of the homeowners insurance can protect against damages and depending on the policy, these damages can include wind, fire, theft, vandalism, fallen trees, and other possible scenarios. In addition to protecting the house in Magnolia, the insurance policy can protect the homeowner by providing liability coverage. The purpose of the liability coverage is in case someone receives an injury while on the property. Another possible benefit of homeowners insurance includes living expenses to a homeowner who cannot live in the home short-term because of mass damage. Without the coverage provided by homeowners insurance, there would be many people in financial jeopardy.

There are several things to consider when getting homeowners insurance in Magnolia, TX. A homeowner should consider the cost of rebuilding a home and the current value of the property. This value might be different for every home out there. The homeowner should also determine the value of their possessions and what percentage they would like covered by their policy. When looking at a policy, it would be wise to figure out what is covered and what is not covered. Depending on the situation, there might be a few discounts for homeowners insurance. Possible examples include setting up a security system, a good credit score and changing the policy deductibles.


Motorcycle Insurance The Woodlands TX

Posted on February 5th, 2014 by Troy Johnson

All motorcyclists are passionate about their vehicles. After all, they spend a lot of time and resources to get their perfect motorcycle on the road. That is why it makes perfect sense to protect the investment by receiving top-notch motorcycle insurance. If the motorcycle is going to be driven on the road, then motorcycle insurance is a legal requirement. In addition, motorcycle insurance covers a variety of different bikes that are on the road. It is vital to receive the best possible motorcycle insurance so that a motorcyclist can protect their bike and their own body. And motorcycle insurance is relatively inexpensive. Here are the top benefits of receiving motorcycle insurance:

Protecting Your Body
First and foremost, the best motorcycle insurance covers injuries to the people in the accident. If a motorcyclist is involved in a motor vehicle accident, there could be severe injuries. With the high cost of medical bills, it is important to be financially protected. Motorcycle insurance can help cover the medical expenses resulting from an injury.

Repairing A Broken Bike
In addition to the injuries sustained by a person involved in a motorcycle accident, the motorcycle itself could also be damaged. Motorcycle insurance can provide coverage for the high repair bills to a motorcycle. Without quality motorcycle insurance, the motorcyclist would have to cover the entire repair cost. The best motorcycle insurance  covers the cost of replacing damaged motorcycle accessories and custom parts.

Dealing with Uninsured Drivers
In case the driver at fault does not have sufficient vehicle insurance, the motorcyclist must be protected. A motorcycle insurance policy will cover the motorcyclist in case the other person lacks the insurance.

Roadside Assistance
In case of an accident or a problem on a motorcycle, help will be needed. That is why roadside assistance might also be available through a motorcycle insurance policy. The roadside assistance can help with disabled or damaged motorcycles.

Protection Against Vandalism
Beyond accidents, motorcycle insurance can also help in a different way. In case of a vandalized or stolen motorcycle, these policies can provide a tremendous financial safety net that all motorcyclists should consider. Without the right motorcycle insurance, the expense of buying a new motorcycle or replacing vandalized parts would be an out-of-pocket expense.


Safeco Insurance The Woodlands TX

Posted on January 24th, 2014 by Troy Johnson

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.


Condo Insurance The Woodlands TX

Posted on January 24th, 2014 by Troy Johnson

There are some benefits to getting condo insurance in Texas. If you’re living in The Woodlands, you will definitely want to get condo insurance, and here are a few reasons why you don’t want to miss out on this necessary part of renting a condo.


If you are renting a condo, you should know that it is only a small part of your budget each month, and you’ll be happy to know that you’re insured in case of fire, theft, or other natural disaster. Though rates depend on location and such, you can easily rest assured that your valuables are protected if you should endure a hardship to your condo.

Protects The Property

Condo insurance is what you need to protect all of your property. Though your landlord insures the property, his or her insurance doesn’t cover your property in your condo. If there’s fire, flood, or theft, you will need your own property insurance to make sure that everything you own, including valuables, is covered. You’ll want to find out if you need extra coverage for places that are prone to natural disasters such as flooding. You’ll also want to find out whether your policy covers 100% of your property, and if it will pay full price to replace your items.

Helps Your Bank Account

If you should be sued, and you have condo insurance, your items will be protected. If you happen to accidentally start a fire and get sued by a neighbor, you need to know that you have insurance to back you up. Be sure that you check on these conditions with your insurance agent, to make sure that your property is covered should someone try to sue you and seize your assets.

May Be Required by Your Leasing Company

Your landlord may be concerned about his or her own liability, and he or she may require that you take out condo insurance. In this case, it’s a good idea to find out what your landlord’s policy is, but be sure that you are willing to get a policy for yourself: it’s simply smarter, and many landlords are picking up on this and starting to require it.


Renters Insurance The Woodlands TX

Posted on January 15th, 2014 by Troy Johnson

Times are tight and budgets are short. As a result, many people are trying to cut out unnecessary expenses and avoid adding new ones; sometimes this includes renters insurance. However, eliminating or not purchasing renters insurance can be a very costly mistake in the end.

Renters Insurance is Cheap
Most renters insurance policies are just a few dollars a month. It is important to note that rates will vary depending on region, deductible, coverage rate, and local laws. You also might need to pay more to insure particularly valuable objects, such as jewelry.

Renters Insurance Protects Your Property
It’s an error to think that you don’t need insurance since your landlord already insures the property; your landlord’s insurance will just protect your landlord’s property, and not yours. You need your own insurance policy to prevent against various losses such as fire, flood, or theft. Renters insurance can even protect your property against damage or loss when it’s not in your apartment. Some special considerations should be kept in mind when shopping for renters insurance in The Woodlands, TX. First, if you live in an area prone to natural disasters, be sure to talk to your agent if additional coverage is necessary. Second, double check if the policy will pay the full replacement cost of items. Third, check if the policy will pay housing costs if your apartment becomes unlivable.

Renters Insurance Protects Your Bank Account
While no one ever plans to be sued, it’s always a possibility. You could accidentally start a fire that damages other apartments or someone could be injured while visiting your home. Renters insurance, depending on the policy, will protect you if the worst should happen and someone claims you owe them money. On the other hand, without renters insurance the injured party could sue you and seize your assets.

Renters Insurance May be Required by Your Landlord
Today, more and more landlords are requiring tenants to carry renters insurance. There are various reasons for this from lowering their own insurance costs to protecting their tenants from possible financial ruin. By not purchasing a policy, you may be looking at multiple fines or even eviction.