Kurtin Insurance & Financial Services

1300 W Sam Houston Pkwy S,
Ste 220, Houston, TX 77042

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What Does Full Coverage Auto Insurance Include?

Full coverage insurance provides total protection against all risks associated with buying, operating, or using a car. The benefits of full coverage are many, including the ability to get the most out of your car, get the most out of your budget, and avoid costly maintenance. 

You can’t purchase auto insurance without first signing a contract. While many people think of this as the contract that gives you the right to drive your car, it’s really more like a contract that outlines the terms and conditions of your insurance. Consult Kurtin Insurance & Financial Inc. in Houston, TX for expert insurance advice.

Full Coverage Auto Insurance: What You Need To Know

The contract you sign will include terms like how much you can drive at any one time, how far your car can go, and how much you can collect from it before it is due to be replaced. There are also terms like “limited” or “no liability” that indicates how much the policy cover and how much you have to pay for it to be covered. 

Full coverage auto insurance includes a number of other types of policies, such as collision and comprehensive, that are not covered by the contract. Some of these are just for added insurance, while others are designed to help you keep your car as you drive. You can’t buy full coverage auto insurance today without first learning about all the different types of coverage that you can get. 

First, you should consider what type of coverage you will be getting. Do you have the power to conclude a financial agreement with your broker that will provide full coverage? If you don’t have the power to reach an agreement then you will need to determine what type of insurance you need. 

You should be aware that full coverage is not a guarantee against loss. Some policies will cover damage caused by a hit or run, but not all policies will cover your injury if the driver was not at fault. The coverage you receive may not be the same as the amount your insurance company will pay you. Furthermore, some policies may not have coverage for medical expenses if you are hit or run injured. 

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If you have an existing car and don’t need the ability to get it replaced or altered, you can usually get the most out of your car. For example, if you drive a car that has a lot of features, such as a sports car, but few functions, like driving ability, you can usually get the most out of your car by buying full coverage auto insurance. Get in touch with us today; our agents at Kurtin Insurance & Financial Inc. in Houston, TX will be happy to help.

Here’s What Your Commercial Insurance Policy Covers in Your Restaurant Kitchen

Running a restaurant can be a rewarding and stressful experience. A few mistakes could cost you a lot of money or end up putting you out of business. Thankfully, we at Kurtin Insurance & Financial Inc. can provide Houston, TX restaurant owners with commercial insurance that protects them.

Liability Protection Keeps You Open

Many issues can develop in a restaurant and impact your customers. Liability coverage will ensure that you don’t run into serious financial issues if they get hurt and try to sue you. Here are a few situations in which liability protection may help you when customers:

  • Slip and fall on a mopped floor without warning
  • Suffer from food poisoning due to your food
  • Experience an allergic reaction to your meals
  • Get into an altercation with one of your employees

Other Insurance Options That Protect You

While liability is a major part of your restaurant insurance, there are many other different policy types that may help you. These options cover varying parts of your operation and will give you the comprehensive help that you need to stay in business. These policies include:

  • Vehicle protection for any delivery cars or trucks you may own
  • Appliance coverage for your expensive stoves and ovens
  • Food protection if your ingredients spoil or go bad
  • Repair coverage if your restaurant gets damaged in any way
  • Loss of income that may occur if you’re shut down for any reason

Protect Your Restaurant

As you can see, commercial insurance for kitchens is an important protection option that will help you stay in business. If your Houston, TX restaurant needs protection and you’re not sure where to turn, make sure that you contact us at Kurtin Insurance & Financial Inc. right away to learn more. Our team will do what they can to get you covered.

5 Mistakes People Make When Buying Home Insurance

Home insurance is one of those things that you hope you never have to use, but it’s there for a reason. Unfortunately, not all home insurance policies are created equal. There are a lot of different factors to consider when shopping for home insurance, and it can be easy to make a mistake. Kurtin Insurance & Financial Inc. in Houston, TX provides a guide on the most common mistakes people make when buying home insurance. 

5 Mistakes People Make When Buying Home Insurance

1. Not Reading the Policy Carefully

It’s important to read through your policy carefully before you buy it. Make sure you understand what is and isn’t covered. Otherwise, you could end up being surprised when you make a claim and find out that your damages aren’t actually covered.

2. Not Getting Enough Coverage

Another common mistake is not getting enough coverage. This can happen if you underestimate the value of your possessions or if you don’t account for potential future damages. It’s important to make sure you have enough coverage to protect yourself in the event of a disaster.

3. Overlooking Changes in Your Home

Your home insurance policy should be updated to reflect any changes in your home. If you renovate or make any additions, you need to let your insurer know. Otherwise, they may not cover damages that occur as a result of these changes.

4. Omitting or Misstating Information

When you’re applying for home insurance, it’s important, to be honest. Omitting or misstating information on your application can invalidate your policy. If you’re not sure about something, it’s better to err on the side of caution and give your insurer more information rather than less.

5. Not Asking About Exclusions

Finally, make sure you ask about any exclusions in your policy. Some policies don’t cover certain types of damage, such as flooding or earthquake damage. If you live in an area that’s susceptible to these hazards, you need to make sure you’re covered.

If you’re shopping for home insurance, it’s important to avoid making these common mistakes. Kurtin Insurance & Financial Inc. can help you find the right policy for your needs. Contact us today to learn more about our home insurance options in Houston, TX.

 

How Can Life Insurance Be A Retirement Tool

Talking about life insurance can be morbid, but it is one of the most effective ways of being able to provide for your loved ones long after your passing. Life insurance has always been a tool to provide monetary support for your beneficiaries in the immediate days, months, and years after your death, but did you know it can also be a tool to save for retirement? Kurtin Insurance & Financial Inc. in Houston, TX offers you this guide to navigate life insurance. 

How Can Life Insurance Be A Retirement Tool

When it comes to life insurance, there are two main types – term and whole. Term, as the name implies, is only valid for a specific period time and if you pass away outside of the policy period your beneficiaries will not receive the death benefit. Conversely, whole life comes with a higher price tag, but is valid for the entirety of your life as long as the policy continues to be paid. For retirement purposes, whole life insurance offers a number of benefits.

For starters, whole life insurance includes a cash value benefit, which is the leftover balance after your premium payment is applied. With time, this cash value can grow exponentially and may become worth more than the actual policy death benefit. Once you reach retirement age, the cash value can be withdrawn and as long as the amount doesn’t exceed your premium payments to date, it is not subject to taxes. 

For more information and help in choosing the right life insurance policy for your needs, please give the team at Kurtin Insurance & Financial Inc. in Houston, TX a call. We’ll take the time to learn about you so that we can make tailored and personalized recommendations on the right life insurance policy for your needs. 

 

Comprehensive and Collision Auto Insurance Overview

Kurtin Insurance & Financial Inc. serves the Houston, TX community. We work with our clients to help them find policies that align with their unique needs. We have partnerships with different carriers across the South. This allows us to provide flexible coverage options. We look forward to helping you.

Comprehensive and Collision Auto Insurance Overview

You rely on your vehicle to complete tasks as you travel around Houston, TX and beyond. Operating a vehicle comes with multiple risks. You have to adjust to different road conditions every day. Traffic and detours can make things uncomfortable. You also have to account for the behavior of other drivers on the road. Auto insurance gives you a safety net if an emergency arises. Liability coverage protects you if you are held responsible for an accident. The policy can help assist with an injured party’s medical treatment, as well as potential repairs as a result of property damage. The other two foundational aspects of your auto insurance policy are collision and comprehensive coverage.

Collision insurance covers your vehicle if you are involved in an accident with another driver or make impact with an object. Perhaps you are driving and your vehicle collides with a pothole and flips over, causing major damage. Collision insurance will cover the necessary repairs.

Comprehensive coverage protects your vehicle in more unpredictable situations. Texas is often home to inclement weather. If you’re driving in a storm and debris cracks your windshield, comprehensive insurance covers you. If you’re driving in rural parts of Texas, and your vehicle accidentally collides with an animal, you are also covered. Comprehensive coverage also protects your vehicle if it’s stolen.

Kurtin Insurance & Financial Inc. Will Help You Cover Your Assets

Contact us today to learn more information about auto insurance.

Does commercial auto cover every employee?

When you purchase commercial auto insurance for your Houston, TX business, you need to either meet with Kurtin Insurance & Financial Inc. or email or phone us. That’s because, with commercial auto, you can easily choose too little coverage.

When you choose a commercial auto policy online, you could end up with a solopreneur policy when you need a mid-sized company policy. That’s because your policy documents must contain the number of individuals the policy covers. If you have 50 employees and all need to drive a company car, then your policy documents need to reflect that.

If you run a solo shop, and you are the only driver and only employee, then you’re the only individual who needs to appear in the policy documents. If you own a restaurant that delivers food though, and you employ 20 cooks and ten drivers, then your insurance policy needs coverage for ten drivers. You won’t have to specifically name them in the documents, but you will need to make sure you buy a policy with the right amount of driver coverage.

Some policies cover occasional driving, while others cover everyday driving. You wouldn’t be covered for the delivery drivers if you chose a policy that covers occasional driving. That means that if one of them caused an accident, you wouldn’t be covered, and your insurance company could deny your claim.

Kurtin Insurance & Financial Inc. doesn’t want that to happen to you. We serve the Houston, TX metro area with a variety of commercial insurance options, including a range of commercial auto insurance options. Don’t let your drivers get caught without coverage. They can’t rely on their personal auto policy, either, because their insurance company won’t cover the accident.
Call or come by Kurtin Insurance & Financial Inc. today. Let us help you get the auto coverage you need.

Unnecessary Risks Homeowner’s Take

As a homeowner, you have made a huge investment. Protecting that investment means having the proper insurance in place and making sure you are not taking any unnecessary risks with your home. At Kurtin Insurance & Financial Inc, we can help you better understand how to avoid risks that many homeowners take in Houston, TX, and the surrounding areas. Keep reading to learn more. 

Pools

Although pools can be a great way to have fun at your home, it is vital that homeowners manage their pools properly. Pools should have a security fence around the perimeter of the pool. This is very important to ensure that children and animals do not accidentally fall into the pool and get injured.  

Trampolines 

If you have children who frequent your home, it is important that you pay close attention to large toys such as trampolines. Trampolines can be a lot of fun, but they can also pose a risk. Children and even adults can be injured on trampolines. To increase safety, trampolines should have a safety net installed. This will ensure that no one falls off the trampoline. 

Swingsets

Swingsets, like trampolines, can be fun but can also pose a risk. If you have playground-type equipment on your property, you will need to take extra care to ensure that children are not injured while playing. You should be careful who you allow to play on your property. 

If you would like to learn more about home insurance, or any of our other insurance products, please contact us at Kurtin Insurance & Financial Inc, serving Houston, TX, and the surrounding areas. We’ll be happy to answer your questions. 

Top 5 Mistakes to Avoid about Auto Insurance

Money is hard to come by. That’s why you need to ensure that you get value before spending any coin. When it comes to auto insurance in Houston, TX, Kurtin Insurance & Financial Inc. is proud to shed light on pitfalls you should avoid. Obviously, not buying auto insurance is a huge mistake, but purchasing a mismatched car insurance policy isn’t wise either. Here are blunders to steer clear of when purchasing auto insurance.

Not knowing the insurance coverage you need

We are not asking you to be a car insurance connoisseur. However, do some basic research to understand auto insurance coverages.  Since auto insurance has many coverages, you don’t have to pick all of them. But you will know the optimal combination if you have basic knowledge of each.

Forgetting to update your insurance policy

Many motorists diligently renew their auto insurance but don’t care to understand whether it’s up-to-date. At least review your car insurance once a year. Also, if you upgrade your car, convert your car for business use, or want a teenager driver to use your vehicle, don’t fail to update your insurance company.

Buying just the minimum coverage

You may be tempted to stick to the state-required minimums, but that isn’t smart. Minimum coverage is far from enough, so consider other car insurance coverages for optimal coverage.

Not telling the truth during the insurance application

Don’t lie when applying for vehicle insurance. Insurance companies have a way of cross-checking your details. Worse yet, even though your application goes through, your insurance company may fail to honor your claim if they spot inconsistencies in your application form.

Believing in car myths

There are many myths peddled about car insurance. So, if you are not careful, you may make a judgment based on wrong information. If you are unsure about certain facts, talk to your auto insurance agent.

Buy auto insurance today!

Are you looking for affordable auto insurance in Houston, TX? Please get in touch with Kurtin Insurance & Financial Inc. 

Is commercial insurance a must in Texas?

Initiating a thriving business in Houston, TX is a dream come true for any resident. However, establishing a business entity in Houston, TX comes with its inherent risks. Therefore, any small business requires formidable protection against perils like theft, fire, and hailstorms that may threaten its success. Nonetheless, acquiring magnificent commercial insurance from Kurtin Insurance & Financial Inc. is a prudent idea.

Are you unsure about the type and amount of commercial insurance for your business entity? Please don’t get stuck, contact our knowledgeable insurance agents at Kurtin Insurance & Financial Inc. Our agents will assist in evaluating your business’s risk level and determine the type of commercial insurance that suits your business. Trust our agents for all commercial insurance remedies.

Is commercial insurance a must in Texas?

Did you know that Texas is the only state that doesn’t mandate business entities to maintain workers’ comp insurance? Texas only advocates that commercial auto insurance be mandatory for those businesses that possess vehicles to run them. However, its imperative for Houston, TX small business owners to procure outstanding commercial insurance to safeguard their operations against impending calamities. Other optional commercial insurance coverages in Houston, TX includes?

Workers’ comp insurance: Although the state of Texas doesn’t advocate business owners workers’ comp insurance, it’s paramount for business owners to accord it consideration. It reimburses medical costs and partially missed income culminating from injuries or sicknesses at the place of work.

General liability coverage: It caters to medical bills and probable legal fees emanating from injuries or ailments of those clients injured while on your business premises.

Commercial property insurance: Do you own or have you rented your business premises? It’s worthwhile to invest in commercial insurance as it protects your building and its contents from calamities like hurricanes, vandalism, lightning, theft, and fire.

Cyber insurance: This form of policy safeguards your business, especially online ones, from malicious cyber-attacks and data breaches.

Business interruption coverage: It safeguards your business entity against losses during the closure of your business after an unexpected covered calamity struck and threw your business operations into jeopardy.

Are you in a state of an impasse about making an informed decision about getting formidable commercial insurance in Houston, TX? Please get in touch with us at Kurtin Insurance & Financial Inc. agents, who will walk you through all the types of commercial coverages available. Call or visit us today, and you won’t regret it!

Why Should I Bother with Home Insurance?

If you have been reading Kurtin Insurance & Financial Inc. blogs for a while, there is a likelihood you are on your way to becoming an insurance connoisseur. 

But even if you are starting the basics of insurance, we have room for everyone. And today, we are discussing home insurance.

Do you need home insurance for your Houston, TX home? Why should I spend on it? With thinning budgets and challenging economic times, it’s not unusual to find homeowners questioning every purchase they are about to make — and home insurance is usually one of the culprits. 

Are you having second thoughts about home insurance? Here are the reasons home insurance should be your number one priority.

It protects your most valuable asset

In America, few things are as expensive and valuable as your home. That said, wouldn’t you do everything to protect your valuable asset? While routine maintenance and installing safety security measures are superb, home insurance is the surest bet when it comes to mitigating risks like fire, natural disasters, theft, and vandalism.

It may be required

While Texas doesn’t require homeowners to purchase home insurance, your mortgage lender may require you to invest in home insurance to protect the investment.

It gives you peace of mind

They say the greatest wealth in the world is peace of mind. But how can you feel worry-free when you don’t have home insurance? Without home insurance, you will always live on the edge, thinking about the next catastrophe to hit your home. 

However, when you invest in home insurance, you will live a stress-free life, knowing that your insurer will cover you when the unexpected occurs.

Get home insurance coverage in Houston, TX today!

Now that you have seen home insurance coverage is a necessity, the next step is to pick the phone and talk to Kurtin Insurance & Financial Inc. for a quote.

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