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When Should You Get Flood Insurance? Is it Required?

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If you’ve been considering adding flood insurance to your home or commercial property, it’s important to understand what it is and what it covers. There could be cases where it’s required, and you need to add it to your policy.

What is Flood Insurance?

This policy is a supplemental insurance option that can be added to your home or commercial insurance policy. It covers damages to the area done by water and other natural disasters that aren’t usually covered under your standard policy. It’s ideal to give you that full coverage protection.

When Should You Get Flood Insurance?

If you aren’t sure about getting flood insurance, there are a few things to keep in mind to help you make that decision.

1. You Live Near Water

Whether it’s the ocean, rivers, or major lakes, getting flood insurance on your property is a good practice. Even if your area isn’t labeled as a flood zone, you’ll want to make sure to have this coverage in the event of a tragedy.

2. Loss of Natural Trees and Wooded Area

If you live in an area that is built up with a lot of homes and a lot fewer trees, then you might want to get flood insurance. Naturally, certain trees and wooded areas can handle excess rain, but areas that do not have that natural buffer are more likely to experience flooding.

3. It’s a Requirement

If you’re looking to purchase a home in a flood zone, you will need to have this insurance before you can secure your mortgage. A flood zone could be an area that has already experienced flooding or has the potential to experience it based on its location in local water.

If you’re considering adding flood insurance to your policy, feel free to contact Outdoor Insurance Services. We proudly serve the Houston, TX area and surrounding communities.

Insurance for Off-Road Travel

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Getting there is part of the fun of hunting, fishing, hiking, and camping. That means driving off the road. At Outdoor Insurance Services, serving Houston, TX, and all of Texas, we remind our clients that ordinary coverage for their car, truck, or RV doesn’t protect them when they are off the public roads.

You will also need off-road coverage if you drive:

  • An all-terrain vehicle (ATV)
  • Dune buggy
  • Golf cart
  • Snowmobile (Ask us about out-of-state coverage)
  • Minibike
  • Trail bike
  • Camping trailer

You should also consider off-road coverage if you drive a Jeep Wrangler, Toyota Land Cruiser, or pickup. Just because a vehicle can be driven off-road doesn’t mean it should, but if you plan to drive off-road at all, you’ll need additional accident coverage, or you risk paying for repairs out of pocket.

You can get collision, comprehensive, bodily injury, and liability riders for driving your vehicle off the road. If you hit a rock, a tree, a moose, or a deer, or slide into a lake, your collision and comprehensive coverage will kick in. You aren’t likely to hit another vehicle, but you can have liability coverage if you do. You’ll be covered for wind, hail, wild animals, and theft.

Your policy won’t cover ordinary wear and tear, losses incurred during illegal activities, or unauthorized alterations to your vehicle. It also won’t cover crashes due to mechanical failure.

If you plan to use your vehicle anywhere not designed for ordinary safe driving, see us at Outdoor Insurance Services in The Woodlands for coverage for your vehicle domiciled in Houston, TX, or anywhere in Texas. We can help you find the insurance company you need for the coverage you need to address your specific situation. Give us a call today!

Insurance for Off-Road Travel

Posted on by admin

Getting there is part of the fun of hunting, fishing, hiking, and camping. That means driving off the road. At Outdoor Insurance Services, serving Houston, TX, and all of Texas, we remind our clients that ordinary coverage for their car, truck, or RV doesn’t protect them when they are off the public roads.

You will also need off-road coverage if you drive:

  • An all-terrain vehicle (ATV)
  • Dune buggy
  • Golf cart
  • Snowmobile (Ask us about out-of-state coverage)
  • Minibike
  • Trail bike
  • Camping trailer

You should also consider off-road coverage if you drive a Jeep Wrangler, Toyota Land Cruiser, or pickup. Just because a vehicle can be driven off-road doesn’t mean it should, but if you plan to drive off-road at all, you’ll need additional accident coverage, or you risk paying for repairs out of pocket.

You can get collision, comprehensive, bodily injury, and liability riders for driving your vehicle off the road. If you hit a rock, a tree, a moose, or a deer, or slide into a lake, your collision and comprehensive coverage will kick in. You aren’t likely to hit another vehicle, but you can have liability coverage if you do. You’ll be covered for wind, hail, wild animals, and theft.

Your policy won’t cover ordinary wear and tear, losses incurred during illegal activities, or unauthorized alterations to your vehicle. It also won’t cover crashes due to mechanical failure.

If you plan to use your vehicle anywhere not designed for ordinary safe driving, see us at Outdoor Insurance Services in The Woodlands for coverage for your vehicle domiciled in Houston, TX, or anywhere in Texas. We can help you find the insurance company you need for the coverage you need to address your specific situation. Give us a call today!

Insurance Coverage for Hunters

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Liability coverage safeguards hunters from violations that could result in jail time or make them liable for hefty legal costs. Other types of insurance provide protection for a hunter’s equipment, which they depend on during hunting. Here, we will discuss different types of coverage that could benefit you.

Liability Coverage

Hunting liability coverage is crucial when actively hunting. This coverage offers protection against accidents that may injure another person and against damage to the land where the hunting is taking place. Both hunters and the owners of properties used for hunting should have liability protection.

Equipment Coverage

Items like rifles, storage cases, and other types of gear used while hunting can get damaged or stolen. Hunters are entitled to add equipment coverage to their existing insurance policy. Such coverage assists a hunter in maintaining their equipment’s condition. The coverage could pay for the repair of guns and other gear and possibly even their replacement. In case items are stolen from a hunter, this coverage might reimburse the insured individual for the costs they incur ‘out-of-pocket’.

Inspection Steps

Before obtaining insurance coverage, some primary inspection steps should be completed. All guns, cases, and other equipment used during hunting should be inspected. This inspection will determine the condition of your belongings. Upon receiving the inspection results, you will be prepared to acquire insurance coverage for your hunting essentials.

Agent Support

Get in touch with one of our Outdoor Insurance Services agents before the hunting season begins. An agent serving the Houston, TX region will advise you on the types of hunting coverage you’ll need and will prepare your insurance policy.

Claiming for Liability from Guest Injuries at an RV Park

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As a manager of an RV park in and around Houston, TX, ensuring guest safety is paramount. However, even with the best precautions, accidents may still occur. Following specific procedures and gathering essential information to resolve the issue smoothly is crucial in such situations.

Overview of Liability Coverage

Liability insurance covers medical expenses, legal defense costs, and settlements should you be found liable for any incidents. It’s crucial to fully understand the terms of your liability coverage, including the limits and any potential exclusions, to be adequately prepared should an injury occur to a guest.

Collecting Evidence Following an Incident

In the unfortunate event of a guest injury at your RV park, immediately ensure the guest receives the needed medical attention. Once immediate needs are addressed, commence with documenting the incident. This includes taking photographs of the accident scene, collecting statements from any witnesses, and recording any additional pertinent details, such as the timing and prevailing conditions of the incident.

Informing Your Insurance Provider About the Accident

Swiftly contact your insurance provider to report the incident. Provide them with all the evidence gathered, including photographs, witness statements, and a detailed narration of the incident. To assess the claim accurately, they may request supplementary information like medical records or maintenance logs for the specific location of the incident.

Cooperating with the Claims Adjuster

An insurance adjuster investigates by reviewing the collected evidence. It’s vital to fully cooperate with the adjuster as their findings will dictate the final amount the insurance provider will payout.

Settling the Claim

Following the investigation, your insurer will determine whether you’re liable for the guest’s injuries. If liability is established, your insurance coverage will cover the ensuing costs up to the limits specified in your policy.

Outdoor Insurance Services: Your Trusted Insurance Partner

At Outdoor Insurance Services, our team brings their expertise to all your insurance needs. We proudly serve Houston, TX, and the surrounding areas. Contact us today to learn more about how we can assist you.

How Hurricanes Damage the Home (and What You Can Do About It)

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Natural disasters comprise some of the most significant threats to homes. This holds particularly true if you reside in a state like Texas, where a majority of homeowners confront relatively high annual hurricane risks. Understanding the extent of damage hurricanes can inflict, regardless of whether you’ve encountered little to zero risk previously, can be a strong motivator to devise ways to shield your home against such destructive storms. This understanding also illustrates the necessity of contacting us at Outdoor Insurance Services. We cater to homeowners just like you in the Houston, TX area.

What Kind of Damage Do Hurricanes Cause?

The two most damaging aspects of a hurricane are the high winds and the extensive influx of water. High winds cannot only tear roofs off and damage other property sections, but even minor winds can weaken already inadequately supported parts of the home, resulting in thousands of dollars worth of damage during unexpected storms. If debris gets blown around, it can result in damage to doors and windows, leading to water intrusion. Water is another major concern, causing damage to floors, destroying electrical equipment, and more. To safeguard your property ideally, consider installing impact windows and hurricane shutters, reinforcing doors, elevating the home, and conducting regular maintenance. However, there is yet another way to protect yourself.

Secure Your Home With Hurricane Preparedness Insurance from Outdoor Insurance Services

While the steps above offer valuable prevention against damage, what happens if your home sustains damage necessitating intensive repairs? At Outdoor Insurance Services, we can assist you in exploring a wide range of policies to help you prepare for hurricanes and safeguard your finances in case your home in Houston, TX, suffers severe damage. Compare quotes with us today to find the policy that best suits your needs!

What Are the Benefits of Builders Risk Insurance?

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Building a new structure or renovating an existing one is an exciting venture, yet it is not devoid of risks. Numerous hazards could potentially interrupt your project. At Outdoor Insurance Services, operating in Houston, TX, we focus on providing builders’ risk insurance to shield you from unanticipated setbacks.

Comprehensive Coverage

Builders risk insurance presents comprehensive coverage tailor-made specifically for construction projects. This type of policy generally covers physical harm or damage to the building under construction and materials, fixtures, and equipment on the site. You can rest assured that your project is secured, whether from fire, vandalism, or unfavorable weather conditions.

Financial Protection

One advantage of builders’ risk insurance is the financial safeguard it offers. Construction projects frequently involve substantial investments; any damages or delays can result in considerable financial losses. With builder’s risk insurance, you can mitigate these risks and guarantee that unexpected incidents won’t upset your budget.

Customizable Policies

Every construction project is distinct, and the insurance requirements vary as well. Builders’ risk insurance policies can be customized to suit the specific needs of your project. Whether you need coverage for temporary structures or protection against specific hazards like floods or earthquakes, you can design your policy to offer the precise coverage that you require.

Peace of Mind

Perhaps the most priceless advantage is the peace of mind that comes from knowing your project is insured. Construction undertakings can be stressful, but a solid builders’ risk policy lets you concentrate on the project rather than worrying about possible mishaps.

At Outdoor Insurance Services in Houston, TX, we comprehend the intricacies of construction projects and can provide you with the finest possible protection. Contact us today to explore how builders’ risk insurance can secure your project.

The Cash Value and Death Benefit in Whole Life Insurance

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There are two amounts of money that are important to know about when you have a whole life insurance policy. These are the cash value that the policy and the death benefit amount have amassed. These can also affect each other in some cases. Understanding how each works is important when you have this type of life insurance policy. Call us today at Outdoor Insurance Services in Houston, TX to get started with life insurance.

Your Policy’s Cash Value

When you pay your premiums for your whole life policy, the insurance company makes a profit through investing in those payments. A small percentage of that profit is made available to policyholders in the form of a cash value of their policies. It takes a few years for this value to start to build up, but when it does, it can add up to a considerable amount that you can borrow someday if you need to. Many people feel peace of mind knowing that this amount is available to them just in case. 

The Death Benefit

The death benefit is the set amount that is specified when you get your policy that will be given to your beneficiaries. It’s a good idea to know how much your death benefit is so that you know how well your loved ones are protected. If you borrowed any portion of your policy’s cash value, that loan must be repaid. The amount of money still owed on the loan is deducted from your death benefit until it’s paid back. 

Get Whole Life Insurance 

If you’re interested in a whole-life policy, we can help. Contact us at Outdoor Insurance Services in Houston, TX, to learn more and get started with a policy.

From Liability to Property Protection – Get Expert Insights on RV Park Owners/Operators Insurance in Texas, Outdoor Insurance Services Houston TX

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Running a booming RV park in Texas necessitates a thorough understanding of specific business operations, customer service, and required amenities. Discover crucial insights on what it takes to operate a lucrative RV park in Houston, courtesy of the experts at Outdoor Insurance Services.

Comprehend Local Regulations and Zoning Laws

Mastering the local rules and regulations associated with RV parks in Texas is paramount to owning and operating an RV park. Navigating local permits, health code regulations, fire safety standards, and other essential requirements aids in compliance.

Identify Your Target Market through Market Analysis

Conduct extensive market research to pinpoint your target market and tailor your RV park to meet their specific needs. This approach includes determining whether your RV park caters to tourists, snowbirds, or long-term residents and adjusting your amenities and services accordingly.

Secure Your Investment with Proper Insurance

Texan RV park owners and operators are committed to crafting unique experiences that entice guests to repeat visits. Safeguard your investment with an RV owner/operator insurance policy.

RV owner/operator insurance guarantees that your RV business and assets remain protected against a myriad of costly perils. This coverage includes liability insurance for accidents that occur on your property and protection coverage for your park’s structural buildings.

Getting Covered: RV Owner / Operator Insurance in Texas

Don’t wait for disaster to strike before getting your RV park insured! Contact the licensed insurance professionals at Outdoor Insurance Services to discover how to protect your investment best and receive an RV owner/operator insurance quote today.

Wineries Insurance: FAQs

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If you are opening a winery or establishing a vineyard, winery insurance is probably not the first thing you consider. However, it would be best if you understood that your new business is associated with diverse risks, including wildfires, theft, vandalism, and even injuries. Therefore, to protect it and yourself as a business owner, it is wise to consider getting winery insurance. Keep on reading this post with answers to the most common questions about this insurance type: 

Who Is Winery Insurance Right For?

You should consider purchasing winery insurance if you are a vineyard owner, a regular or virtual winery owner, or a winery owner who organizes and hosts regular wine tastings. 

What Coverages Are Included In Standard Winery Insurance?

Typical winery insurance includes the following coverage types: property coverage (protecting buildings and contents from fire, vandalism, theft, and others), equipment coverage (protecting costly wine-making equipment), inventory coverage (protecting wine inventory from fire, vandalism, theft, and other unfortunate events), and liability coverage (protecting you as a winery owner from lawsuits). 

What Are The Benefits of Having Winery Insurance? 

As a winery or vineyard owner, you may wonder what the real benefits of having this insurance are. First of all, it protects your property from damage, provides you with peace of mind, and protects you from liability claims. The benefits of this insurance depend on your circumstances. However, in general, it is definitely beneficial to have winery insurance. 

If you operate your winery business in Houston, TX, or any other area in Texas, and you are thinking of getting winery insurance, Outdoor Insurance Services is the company that is here to assist you. At Outdoor Insurance Services, we work with clients in Houston, TX, and nearby towns. If you have any questions and want to know more about insurance options, do not hesitate to contact us.