Is Health Insurance Required in Texas?

While health insurance is not required in Texas, it is strongly recommended for any resident. Barry Insurance Group serves Pearland, TX and highly encourages anyone shopping around for health insurance to reach out. 

If health insurance is not required, why do I need it?

Simply put – you can’t plan for a health scare, you don’t know if you’ll have a medical issue and require hospitalization or medical attention. Medical bills are astoundingly high in the United States without coverage. Failing to invest in health insurance is extremely detrimental to your own health and financial security. 

Many people think, "Well, I’m already healthy. I don’t need health insurance, do I?" Wrong again. 

Part of staying healthy is having wellness check-ups with a general practitioner. They do routine physical exams, blood work (in some cases), and can refer you to specialists if you need something checked. Healthy people see the doctor at least once a year for preventative measures. 

Without health insurance, a hospital visit could cost you thousands of dollars. A routine procedure or even a simple X-ray could take hundreds of your hard-earned money, right out of your pocket. 

Texas residents work hard and deserve to be well cared for in their time of need. Don’t put the financial burden on your family or on yourself by failing to invest in a full-coverage healthcare plan. You may never need it; but if you do, you’ll be so grateful that you took the time to look out for yourself. 

Barry Insurance Group understands that shopping for health insurance can be stressful and confusing. If you have questions or need guidance, don’t hesitate to reach out to us. We proudly serve the Pearland, TX area and would be happy to help. 

The Necessity of Commercial Insurance: Protect Your Business Interests

Business insurance is a critical step for all Pearland, TX companies, as it helps to protect their interests in so many ways. If you’re not sure of what kind of policy you’d like, you can talk to us at Barry Insurance Group and learn more about the different levels of protection that they provide.

Insurance Protects You From Legal Situations 

You are legally required to have business insurance in most states for a reason. This type of policy will protect you from a myriad of different complex legal situations. For example, if your customer sues you after slipping and falling, your policy will pay for any damages they get from you and will ensure that you don’t experience any long-term financial troubles as a result of these changes. 

Coverage Keeps Your Customers Safe 

Did you know that your insurance can not only minimize your risk of a lawsuit but also avoid hurting your customers and employees? For example, if you have property damage repair insurance, you can fix-up dangerous areas of your facility and avoid lawsuits. And bodily injury coverage can protect you by paying medical expenses and fees for people hurt at your facility. 

Minimize Hacking Dangers 

In today’s modern business place, you need to constantly worry about the dangers of hacking and keeping your customers and your business identities safe. That’s why you need insurance to pay for things like identity protection solutions, public relations, legal fees, and any awkward liability situations. This money will go into effect only if a data breach occurs.

Protect Your Business From Danger

There are just a tiny fraction of the ways that your insurance will help you. It will also provide you with long-term benefits for business owner protection and much more. So please don’t hesitate to contact us at Barry Insurance Group, serving Pearland, TX, if you’re interested in learning more about this process.

Do Older Homes Require More Home Insurance?

If you own an older home, you know that there is a lot of work that goes into keeping up these types of houses. You might also wonder if owning an older home also means that you need to have more home insurance as well. This is certainly something every homeowner should consider before they choose a policy.

So, do you need more insurance if you own an older home? Barry Insurance Group, which serves Pearland, TX, can help you get to the bottom of this question.

Insurance Companies Assess the Risk of Each Home

Older homes do tend to pose more risks than other types of homes. They tend to be made of different materials, which can put them at higher risk for certain events, like fires and electrical issues. For this reason, your insurer may determine that your home requires more coverage.

Home Inspections Can Help

Regardless of the age of your home, a homeowners insurance company may perform an inspection. This can help determine the likelihood an event could occur, and it may also help determine the cost required to replace your home if something should happen to it.

Older Homes Simply Have Different Repair Needs

Another reason why your older home may require more insurance is that it may require more effort to repair your home. For example, you may have ornate trim on your home, and damage to your home could mean you need to call in a special repair company to fix it.

Get the Home Insurance Your House Needs

As a homeowner, you have many choices for home insurance. Older homes may require more insurance, but the best way to know your home’s needs is to reach out to an insurance agent. Barry Insurance Group helps many Pearland, TX residents meet their insurance needs.

What is Control of Well Insurance?

Control of well insurance is not a well-known type of insurance outside of niche areas of expertise. The Barry Insurance Group serving Pearland, TX would like to walk you through the control of well or well control insurance and what it covers.

A well, in this case,  may refer to an oil or gas well, which comes with its own set of risks that justify its own specialized policy type. In exchange for a monthly premium, control of well insurance assists well owners financially in recovering control of their well in the event of a blowout. A blowout is the flow of a resource aboveground that blowout preventers and other safety protocols, including maintenance, could not stop.

Control of Well Insurance has three facets

Regaining Control of Your Well

After a blowout, explosion, or collapse, the first step is regaining control of your operation and preventing further damage to your business and the environment.

Clean-Up Operations

An important order of business after regaining control of your well is clean-up operations. Clean-up operations are always crucial but even more so for oil and gas well situated at sea. Wells that mine for toxic resources like oil and gas need to be cleaned up quickly to prevent environmental damage and loss of life.

Getting the Well Working Again

The final facet of control of well insurance is getting the well working again. This means redrilling.

The oil and gas industry is a cornerstone of the Texas economy. To best protect your business and the environment, it is crucial to have enough coverage for the possibility of a disastrous event like losing control of an oil well, which has serious implications. Speak to Barry insurance Group serving Pearland, TX, today! Don’t leave the loss of well control to chance.

4 things every Pearland, TX resident needs to know about flood insurance

Floods leave a trail of financial loss, mental distress, and other psychological impacts across many parts of the world. Many people in Pearland, TX are buying flood insurance to protect their homes and families. However, there isn’t much information about how people should prepare when alerted about a potential storm. At Barry Insurance Group, we advise all our policyholders to get flood insurance to protect their homes and learn how it works. If you are looking to learn more about the policy, here is what you need to know.

1. Home insurance does NOT cover floods

Home insurance covers water damage caused by internal damage such as burst pipes, but not from floods. You need a flood insurance policy if flood water enters your home due to melted snow, overflowing rivers, or too much rain. 

2. Floods are the US number one disaster

The Federal Emergency Management Agency (FEMA) report shows that the recovery cost from floods grows every year. As a Pearland, TX resident or homeowner, it is critical to understand that Texas is one of the most flood-affected states in America, with a flood vulnerability score of 86 out of 100.

3. You don’t need to live near a water body to experience flooding.

According to the National Flood Insurance Program (NFIP), 20 percent of all flood insurance claims filed come from people who live in low-risk flood areas. That means it is everyone’s responsibility to take precautions and buy insurance early enough.

4. Flood insurance has a waiting period

Exactly as it sounds, flood insurance has a 30-day waiting period upon which you may not be able to make any flood insurance claim until the 30 days are over. For instance, if you bought a policy on first August 1st, 2021, and flooding occurred at your home on the 26th of the same month, you may not be eligible for flood insurance compensation.

Don’t wait till winter to get your flood insurance policy. Barry Insurance Group is ready to help you get a customized policy to cover your dwelling and personal property. Call us today!

Why Even the Healthy Need Great Health Insurance

At Barry Insurance Group, we talk to many very healthy people every day who think that they don’t need health insurance. This situation is familiar with young Pearland, TX people in particular, and we understand pretty well. However, even healthy people likely need health insurance at some point. Without it, there could be complications that you may not want to experience.

Why Do You Need Insurance If You’re Perfectly Healthy?

Did you know that even the youngest and healthiest people can develop unexpected diseases and other conditions that could be painful and hard to manage? Unfortunately, this problem is not unusual but is a frustrating and difficult one. For example, you could suddenly develop heart problems or cancer without warning. 

And if you don’t have insurance, you will find yourself struggling to pay for treatments for these diseases. Now, we’re not trying to scare you here – if you’re healthy and young, you probably don’t have to worry about most conditions. And you could do without an insurance policy. 

However, even healthy people need to go to the dentist, buy medications from time to time, get regular checkups, and even get eye exams and glasses. High-quality health insurance can significantly cut back on how much you have to pay for these services, giving you many benefits in the process. 

Give Us a Chance 

If you think you want health insurance even though you’re a very healthy person, please don’t hesitate to reach out to us today at Barry Insurance Group. We serve Pearland, TX, and the surrounding area and will work hard to find a policy that makes sense. Then, we’ll do what we can to find different add-ons and other features that help make your policy more appropriate for your needs. 

Two Reasons to Get Whole Life Insurance

If you need life insurance, there are different types of it that you can choose. One popular form of life insurance is the whole life policy. This type comes with specific benefits that you can’t get with other types of life insurance. If you’re interested in whole life, call us at Barry Insurance Group in Pearland, TX. 

It’s Good for a Lifetime

One of the reasons that so many people choose whole life is that it literally lasts for your whole life. As long as you continue paying your monthly premium, you can keep this coverage to the end of your life. Some life insurance types are only good for a specific number of years. But with whole life, paying your premiums guarantees that you keep the coverage and that the insurance company can’t cancel the policy no matter how old you are. 

The Cash Value

Perhaps the most common reason for people to choose this type of life insurance is that over time it builds a cash value. With this insurance, after you have been paying into it for a few years, you will have access to a portion of the death benefit if you need it. You can borrow against the amount of the cash value when you really need fast cash. This can help people out of a variety of financial problems over the course of their lifetimes. You can borrow the cash and pay it back later over time. If you were to borrow some of your cash value and then die without repaying it, your death benefit will still be paid to your beneficiaries, minus the amount that was borrowed. 

Get Your Whole Life Policy

When you are ready for a whole life policy, give us a call to talk with an agent about it. Call us at Barry Insurance Group in Pearland, TX.

When Do I Need to Get Auto Insurance?

Owning a vehicle features a fair share of freedom that everyone admires. While the feeling is irresistible, it comes with significant financial responsibility, courtesy of auto insurance coverage. Understanding when you need to visit Barry Insurance Group for your car insurance and the type of policy you need is rewarding. Read through to learn more about your auto insurance in Pearland, TX. 

If it is your first-time buying insurance coverage, the procedure may seem challenging. However, that is not the case since you can enjoy a stress-free process with a positive attitude and some information. Take time to learn about different policies and what they cover before purchasing.

When To Buy Your Insurance 

If you plan to get a new vehicle, it is convenient to start with your car insurance. Perhaps you have another car with an existing insurance cover. Enjoy a grace period for your new vehicle while it lasts if your insurance company offers that. Factors that influence your policy include your dealership. If you want to get a loan for your new car, buy insurance first is the way to go since your lender may demand proof of such.

For whatever reason, do not risk driving your new car without insurance cover. Besides being risky, it is also against the law. If an accident happens, it may attract hefty penalties and loss of money since you have to settle the bills from your wallet. 

With existing insurance, find out the type of cover you need for your new car. Talk to your insurance broker to identify the options you have between the old policy and the one you intend to buy. Do not cancel your current policy if you have not purchased a new one. However, it is wise to discontinue it afterward, to minimize cost. 

To understand the right time for you to buy car insurance in Pearland, TX, visit our website to connect with Barry Insurance Group for all your queries.

Is Commercial Insurance Really Worth It?

Texas business owners should evaluate various types of commercial insurance to safeguard them against different risks common in the business environment. Why? The financial health of your business could be thrown into ruins by risks like theft, vandalism, fire, liabilities, and employee injuries. If you are a business owner in the Pearland, TX area, consider Barry Insurance Group for all your business insurance solutions. 

Is commercial insurance mandatory in Texas?

Commercial auto insurance is required in Texas, but unlike many states, Texas doesn’t require private employers to carry worker’s compensation insurance. However, it’s advisable to carry workers’ comp insurance, whether mandatory or not, to protect your employees.

Is commercial insurance worth it?

Running any form of business comes with inherent risks ranging from natural calamities, employee injuries to lawsuits. Ensuring your business is adequately covered provides the following benefits:

  • Liability protection: If a business venture or its operations propagates any form of injury to any other individual, liability insurance pays for the rising medical costs.
  • Assets protection: Commercial property coverage pays for damages or losses to your business building and other business assets like inventory and computer when a covered peril strikes. 
  • Covers advertising liability: When your business violates the copyright rule of another party, it may culminate into a copyright infringement issue. Liability coverage comes to the rescue as it cushions your business against arising legal liability claims.
  • Protection of workers: Although Texas does not require workers’ compensation, it’s essential coverage to consider. This coverage pays for medical expenses and partially missed income arising from illnesses and injuries for your employees.
  • Protection from cyber-crimes: Cyber liability insurance offers protection for certain losses caused by data breaches. It will assist a business in settling some costs culminating from a data breach, like customer notification and legal fees.

Buying commercial insurance in Pearland, TX is a prudent move to safeguard your business and employees. If you are searching for a proper commercial insurance policy, don’t look beyond Barry Insurance Group. Contact or visit us today and initiate your insurance journey with us.


Home Insurance 101

As a homeowner in Pearland, TX, you need to take care of your property through all the means possible. Having home insurance can be one of the comprehensive methods to adapt to cater to the different dangers that are likely to face your home. If you’re interested in taking care of your valuable investment, here are some of the reasons why you should buy a home insurance policy from Barry Insurance Group.

Covers the Structure of Your Home

The structure of your building is the most vulnerable section of your property. It is constantly dealing with fire, environmental exposure, rainwater, and physical damages. This means you will be required to repair it to maintain its integrity regularly. With home insurance, you will not pay for the cost of repairing or rebuilding your structure because your insurance company will cover everything. 

Covers Your Personal Belongings

Inside your building, there are very many valuable personal belongings that you should endeavor to protect against fire, hurricane, and even theft. You need to protect some valuable personal belongings, including furniture, clothing, electronics, and sports equipment. A good home insurance policy will help you in covering and protecting your personal items against insured perils.

Caters for Liability Protection

Home insurance can also help you cover for injuries caused by you or your family members to people visiting your property. It will help pay for associated medical expenses and other unseen costs that may arise from the same situation. Some comprehensive home insurance policies can also cover some of the injuries caused by your pets.

Are You Looking for Home Insurance?

If you have been looking for home insurance in Pearland, TX, you don’t have to struggle again. Barry Insurance Group will help you get the best home insurance policy that will protect your home’s structure and personal belongings.

  • I have been a customer for years. BIG is always there to answer my questions and get me the right coverage.
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