Package Insurance for Austin

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The concept of an insurance package policy is a fairly modern concept. When insurance was first offered, it was necessary for consumers to purchase many separate policies in order to obtain the coverages they needed.  In many cases, home and business owners were left with gaps in coverage because the agent did not review all of the policies and coverages available or the customer just did not want to purchase all of the coverages available.  This resulted in uncovered claims.   The use of package policies provides the policy holder with property and liability coverage in one policy at a reduced premium.  Today the insurance companies working with the Texas Department of Insurance are able to offer package policies for both business and personal insurance needs.

Business Package Insurance Policies allow the customer to cover buildings, contents, liability, and inland marine such as cargo in transit, and loss of income due to fire or storm all under one policy.  Not only will the customer find it easier to purchase these needed coverages but most package policies offer a long list of extra coverages which while not used on an everyday basis like the fire, storm, and theft coverages, which are the main coverages, but when certain unique claims occur these extra coverages come in very handy.  This is a result of the advantages offered by the package policies.  The insurance companies often give bigger premium credit if a customer covers as many exposures as he can under one policy.

The Homeowners Insurance Policy is an example of a true package policy for an individual. This policy allows the individual to cover the home and its contents, such as jewelry, furs, fine arts and silver as well as provide the liability coverage.  Included in the homeowners policy is a coverage called loss of use coverage.  In the event of a covered loss causing the homeowner to temporarily move out of the home loss of use provides coverage of living expenses while the home is being repaired.

Many companies allow the package concept to go even further by offering extra premium discounts if the customer insures their home and personal automobile with the same company.  Premium discounts are usually allowed to both the Home and the Personal Automobile Policy.

Other discounts offered by some insurance companies for the homeowners policy are: a new homebuyer credit, having a monitored alarm, utility updates on older homes, newly built homes, being claims free, having an impact resistant roof, if the home is in a gated community and being a loyal customer.  These are only a few of the discounts offered.  Many more coverage discounts are available to those who qualify.

Providing clients with Home, Auto, Farm, Flood, Mobile Home, General Liability, Umbrella, Workers Compensation, and Business Insurance throughout Texas, including:  Austin, Pflugerville, Round Rock, Georgetown, Hutto, Taylor, Cedar Park, Leander, Liberty Hill, Buda, Kyle, Elgin, Cedar Creek, Manor, Bastrop, Dripping Springs, Del Valle, and Lakeway.

Austin Package Insurance Policy by Ed Weeren Insurance Agency, Inc.