If you own a home, there are two insurance policies that you absolutely should have to protect your investment. One is home insurance, and the other is flood insurance. Flood insurance is an important part of protecting your home. It’s necessary no matter where you are. Without this insurance, you risk severe financial problems after a flood. If you don’t have this coverage yet, call us at Barry Insurance Group in Pearland, TX to learn more.
Floods and Home Insurance
Many people never get flood insurance because they assume that their home insurance policy protects them against disasters. However, home insurance doesn’t cover floods. If a flood were to happen and your home and possessions were damaged, you’d have to pay for everything yourself if you didn’t have flood insurance. Certain areas are designated as flood zones. People inside those zones usually require flood insurance from their lender or the regional government. However, one out of every five flood claims comes from areas that aren’t in flood zones. You can still be vulnerable to floods if you’re not in a flood zone.
Government Backed Protection
When you get flood insurance, there’s no worrying about whether the insurance company can pay for all the flood-damaged homes it covers. The National Flood Insurance Program backs flood insurance today. It has government backing, and it’s guaranteed. The program also sets the price of this insurance, so the price will be the same no matter where you get your flood policy.
Get Flood Insurance in Texas
If you own a home and don’t have flood insurance, call us immediately at Barry Insurance Group in Pearland, TX to get more information about this insurance and get started with it.
When considering health insurance’s value, we frequently imagine the worst-case scenario. Insurance is unquestionably essential in the event of a severe illness or injury. A three-day hospital stay can cost over $50,000, and fixing a broken arm can cost at least $5,000. The cost of care can easily reach hundreds of thousands of dollars for more severe conditions like cancer.
Why Is Health Insurance So Important?
Here are the reasons that make health insurance very important:
- Treatments cost less, thanks to health insurance. When you purchase health insurance, you begin to gain advantages right away. If the medical professionals you visit are in your network, you will spend substantially less for office visits than you would if you didn’t have insurance. Even if your plan has a deductible, your costs will still be lower.
- Better health. People with health insurance use medical services more frequently and have greater health. It is untrue to assume that people take better care of themselves to stay healthy and avoid needing medical attention when they must pay more for health care. Research demonstrates that health insurance improves people’s health and health-related behaviors.
- Lower medical bills. Health insurance impacts financial health just as much as physical and mental health. People without health insurance who seek treatment incur enormous medical costs that typically put them in debt.
Barry Insurance Group – Trustworthy Insurance Company in Pearland, TX
Do you consider buying a health insurance plan for you and your family? Do you need help in choosing the right coverage? Do not hesitate to contact Barry Insurance Group, an insurance company serving clients in Pearland, TX, and nearby Houston areas. We will provide the information you need and help you find the best insurance plan based on your health needs and budget.
Many people consider life insurance an excellent investment for married couples with young children as it provides financial security in the event of the loss of a spouse. However, if you’re young and single, you shouldn’t rule out how a life insurance policy can benefit you. Whether you’re a recent college grad or a young professional in your field, life insurance from Barry Insurance Group in Pearland, TX has a lot to offer singles like you.
Why Singles Should Consider Life Insurance
Here are a few good reasons for young, single adults to consider purchasing life insurance.
- Price – First and foremost, you won’t be young forever. Life insurance is much cheaper when purchased at a young age, and your policy can be locked in at a good price. If you get married and start a family in the future, you’ll have financial security for your spouse and children at an affordable cost.
- Pay Off Debts – Like many college grads, you may have financed your education through private student loans co-signed by a family member. If you unexpectedly pass on, your family will be responsible for repaying this debt. Life insurance can cover student loans and any other debts you’ve accrued to relieve your loved ones of this burden.
- Financial Support – If you’re supporting elderly parents or aiding younger siblings in your family, life insurance will ensure they continue receiving financial support during your sudden demise.
- Business – You can allocate life insurance benefits to help sustain a company you started with one or more partners so it doesn’t collapse upon your unexpected demise.
See Your Barry Insurance Group Agent for Life Insurance!
Learn more about your life insurance options at Barry Insurance Group in Pearland, TX.
Understanding your auto insurance coverage is essential so that you can enjoy financial security as a motorist. Barry Insurance Group is a provider of auto insurance. We offer auto insurance to drivers in Pearland, TX.
The following are three pieces of misinformation you might come across regarding auto insurance.
Your auto insurance policy will cover your vehicle regardless of who is driving.
Everyone who will regularly drive your vehicle should be listed on your auto insurance policy. If you let someone drive your car and they’re not explicitly listed on your policy, your vehicle might not be covered if that person gets in an accident.
You’ll have to pay more insurance premiums if you insure a newer vehicle.
Indeed, newer vehicles are sometimes more expensive to insure than older vehicles. However, this is not always the case.
More expensive vehicles are typically more costly to insure than less expensive vehicles. Newer vehicles are often more expensive than older vehicles.
However, newer vehicles also offer improved safety over older vehicles, and insurance providers charge less to insure safer vehicles. This factor makes it so that some newer vehicles might be less expensive to insure than older ones.
You should choose minimum coverage when you buy auto insurance.
You want to get more than minimum coverage so that you have more financial protection behind the wheel. Minimum coverage won’t include collision and comprehensive coverage that pays for repairs for damage that your own vehicle experiences in an accident.
Motorists in Pearland, TX can come to us for an auto insurance policy quote. Call us at Barry Insurance Group, and we’ll happily answer all your auto insurance questions.
In today’s world, businesses here in the Pearland, TX area need to have adequate workers’ compensation insurance in place. At Barry Insurance Group, we know that this type of insurance is critical for protecting their employees and can also provide vital protection to the business owners.
Workers’ compensation insurance provides financial protection if an employee is injured on the job and cannot work. This means that the employer pays for medical expenses related to the injury and any temporary or permanent disability payments the worker may be entitled to. This helps ensure that your employees are taken care of no matter what happens, and you don’t incur any financial liability from their injuries or illnesses.
Similarly, workers’ compensation insurance can help protect business owners from lawsuits from workplace injuries or accidents. Suppose an employee decides to sue a company over health concerns related to their work environment. In that case, the business owner will be protected by their worker’s comp policy against potentially crippling damages awards and legal fees.
Workers’ compensation insurance is a must-have for all businesses, regardless of size or industry. It provides peace of mind knowing that both your employees and yourself are protected from potential financial liability arising from workplace injuries or illnesses.
For more information or to explore a worker’s compensation policy to protect your business, call us at Barry Insurance Group today. You will sleep better knowing your employees and your business, and you will be protected in case of an accident. We proudly serve the Pearland, TX area and would happily help you find a policy that meets your needs and budget.
You are in the market to buy a new home. This is your first home, and you have no idea what you are doing, but you know you need home insurance. Keep reading to find five things you should know about home insurance.
Do your research before you buy
One of the most important things you should do is research the available home insurance options. The cost of home insurance varies between insurance companies. Researching the options can save you a lot of money.
Not everything is covered by home insurance.
Most people who buy home insurance think they are covered for anything that happens. Unfortunately, there are some things that most home insurance policies won’t cover. Some of the things that typically aren’t covered include:
- Regular wear and tear
If you want protection from flooding and earthquakes, you must get separate insurance covering those.
Basic coverage options available
A few basic coverage options are similar across most insurance companies. These coverage options include:
- Dwelling coverage
- Other structures coverage
- Bodily injury liability
- Property damage liability
- Personal belongings coverage
- Loss of use coverage
Check with your insurance company to see what types of home insurance coverage are offered just to be sure.
Actual cash value vs. replacement cost
It is important to know what each of these terms means because they are very different from each other. The actual cash value is the amount it would take to repair or rebuild your home after depreciation. The replacement cost is how much it would take to rebuild your home without considering depreciation.
Some insurance companies have discounts.
Every insurance company is different in what they have available for discounts. It is essential to check with your insurance company to find out what discounts they might have available. You might be able to save a little bit.
Contact Barry Insurance Group
If you are in the market for home insurance, stop by or contact us at Barry Insurance Group in Pearland, TX.
As a business owner in Pearland, TX you understand the significance of asset protection. Unexpected incidents can occur during oil and gas well operations, resulting in severe financial losses.
Control of well insurance is meant to safeguard your organization against unforeseen incidents that may occur during oil and gas well operations. It covers expenditures connected with recovering control of a well, such as drilling a relief well, cleaning up pollution, and repairing property damage.
If you own or operate an oil and gas plant in the region, it is imperative to reach out to us at Barry Insurance Group to safeguard your firm from potential financial losses.
Advantages of this coverage include:
This provides your firm with financial protection in case of an unforeseen mishap during oil and gas well operations. This coverage covers the expenditures associated with recovering control of a well, such as drilling a relief well and repairing property damage.
Observance of Regulations
Operations at oil and gas wells are subject to stringent rules. Frequently, the law requires good insurance oversight to ensure compliance with these standards. This ensures that your company complies with all applicable rules.
Calmness of Mind
Unexpected accidents and financial losses can cause a tremendous deal of stress and concern for business owners. The knowledge that your business is protected in the case of an unforeseen mishap during oil and gas well operations provides a piece of mind.
Reach Out To Us!
Control of well insurance is crucial for every business in Pearland, TX that owns or operates oil and gas wells. It gives financial security, assures regulatory compliance, and delivers a piece of mind. Call Barry Insurance Group to understand how we can assist you in protecting your company with control of good insurance.
When a storm is on the horizon in the Pearland, TX area, it’s important to take the necessary steps to prepare your home. Barry Insurance Group, serving the area residents with their flood insurance needs, is here to assist.
Here are some tips to help you get started:
1. Check your windows and doors for cracks or damage, and make sure they’re securely shut. It’s also a good idea to have a plan in place in case you need to quickly shut them during the storm.
2. Clean out any debris from rain gutters and downspouts, as clogs can cause water damage. Make sure all exterior drains are functioning properly as well.
3. Inspect your roof for any missing or damaged shingles, and if there is any damage make sure it is repaired before the storm hits.
4. Trim branches that may fall on your roof or property during the storm and remove any fallen trees or limbs from around your house and yard before the storm arrives.
5. Unplug electronic items that aren’t being used as these can be damaged by power surges caused by storms. If you have an attic fan, make sure it’s disconnected too in order to prevent it from blowing off during high winds associated with storms.
6. Store patio furniture, grills, and other outdoor items away in a safe location like a garage or shed so they don’t get blown away by high winds or heavy rains associated with storms.
7. Make sure you have plenty of flashlights, candles, and batteries as power outages are common during storms – having light available will ensure safety while navigating around your home in low visibility conditions due to darkness or inclement weather outside of it!
Get The Right Coverage For Your Needs
For more tips and to get flood insurance for your best protection, give us at the Barry Insurance Group a call today. We proudly serve the Pearland, TX area.
In the Pearland, TX area, there are many important forms of insurance that the average person needs to have. When you are looking to get any type of insurance, a quality health insurance policy should be at the top of your list of necessities. There are various important reasons people in this part of Texas need to get a quality health policy.
Why Health Insurance?
Coverage for Health Events
The most important reason that people will want to have a health plan when in this part of Texas is so they can have coverage for health events. If you have been in an accident, become ill, or have any other type of medical issue, the cost of medical attention, procedures, and medication can be significant. With insurance, you will be financially prepared for these situations. This can greatly reduce your personal out-of-pocket costs in these situations.
Requirement to Have Coverage
It is also a good idea to get health coverage as it could be a requirement. For the past several years, all individuals have been required to have some level of health coverage for both themselves and their dependents. At the end of the year, when taxes are filed, if you are not able to provide necessary evidence of coverage, you could face penalization and other challenges.
Give Us A Call
If you do live in the Pearland, TX area, you will likely know how important it is that you carry health insurance. As you are looking for coverage here, calling the Barry Insurance Group would be helpful. The Barry Insurance Group excels at helping people properly evaluate all of their personal insurance needs, including health coverage. Their support will help ensure you are able to select a policy that is right for you and your dependents.
Purchasing commercial insurance now could make a big difference for your company down the road. That’s why our professionals here at Barry Insurance Group are here to help you insure your commercial operation in Pearland, TX.
The following are three things that might surprise you about commercial insurance:
Certain types of commercial insurance are required by law
Some business owners assume that insuring their company is always optional. This is not true. Commercial insurance is a legal requirement in a wide variety of situations.
You need to research on the regulations in your municipality and the operational details of your commercial operations before assuming that you’re not required to carry insurance for your business.
Commercial insurance is a business expense that can be written off on company tax returns
It can actually be financially advantageous to pay commercial insurance premiums if you are looking for expense write-offs for your company. Commercial insurance premiums are a business expense and can be written off as such whenever you file the tax return for your company.
Commercial insurance policies aren’t standardized
A lot of types of insurance policies such as auto insurance are fairly standardized and offer similar coverage details among different policyholders. However, commercial insurance is not like this.
Commercial insurance policies vary widely among the different companies that hold these policies. That’s why it’s so important to explore the options and work with your insurance provider to devise a policy that’s just right for your company’s needs.
Get Commercial Coverage Today
You need to get a quote on a policy if you are in the market for commercial insurance in Pearland, TX. At Barry Insurance Group, we can help you get the policy that’s just right for your company. Call us or visit our office for a commercial insurance policy quote.