Barry Insurance Group

Why should people in Texas invest in health insurance?

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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. 

Three things that might surprise you about commercial insurance

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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. 

Stay Protected With Home Insurance

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It’s great to own your own home, but it does come with a number of risks. There is a wide range of dangers out there that can affect your belongings, including your home and everything in it. To be well-protected against many of them, there is home insurance. It’s important to always be protected with home insurance for as long as you are a homeowner. Never go a day without it.

To get your home insurance policy, call us at Barry Insurance Group in Pearland, TX.

Keep Your Home Protected

When you have a home insurance policy, it covers your home for a number of damaging events that can happen to a home. When damage is caused by something like a calamity or many types of natural disasters, your home policy can pay for the repairs. It can even pay to have your home rebuilt if it is destroyed by a covered incident. These policies are incredibly valuable because of the high cost of repairs. Both building materials and labor costs have been going up, and you need home insurance to make sure you’re protected against them just in case. 

Protect Your Belongings

Just like your home, a lot can happen to your belongings that are inside it. When an event occurs that causes damage to your belongings, your home policy can pay for them to be replaced. Your home insurance includes a significant amount of coverage that is enough for everything to be replaced. This can be tens of thousands of coverage or more. Make sure you always have this coverage because of the high cost of replacing everything. 

Get Your Home and Belongings Protected

With multiple ways to keep you protected, home insurance is a must-have type of protection. To get yours, call us at Barry Insurance Group in Pearland, TX.

Protect your Oil and Gas firm from well blowouts with a control of well policy

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Barry Insurance Group understands the Oil and Gas industry and is here to help well owners in the greater Pearland, TX area protect their well assets and interests. If you require a control of well policy, we are here to help!

Protect your firm from well blowouts

Owning and operating oil wells comes with a high level of operational risks. Well blowouts are an unfortunate part of doing business and can be financially crippling if a firm or owner doesn’t have adequate insurance protection in place.  

With an appropriate policy, firms can receive coverage for well blowouts and many of the expenses that come with such an event. There are policies available that provide protection from blowouts with clean-up and repairs being two of the most commonly covered situations. 

The oil industry experiences a lot of cyclical movement, and having the right protection in place can help keep your wells operational as often as possible. Without a control of well policy in place, a well blowout could be a catastrophic event that causes irreparable financial damage. 

Now is an ideal time to review your current insurance coverage and determine if more is necessary. Oil and gas firms can benefit from having robust insurance.

A control of well policy can help reduce your firm’s operational risk level

Oil and gas firms and well owners in the Pearland, TX area can turn to the team at Barry Insurance Group for all of their insurance needs. Oil blowouts can be a part of doing business in the oil and gas industry, and having the right policy in place can help protect your financial investments. Give us a call or stop by our office today to find out more.

Three things to do before purchasing flood insurance

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Many homeowners need to invest in flood insurance to protect themselves financially against disasters that could severely damage their homes. At Barry Insurance Group in Pearland, TX., we offer flood insurance coverage to homeowners. 

The following are three things that homeowners should do before they select a flood insurance policy:

Gauge flood risk

It’s important to be aware of the flood risk of the area in which your home is located. If you are in an area that is designated as a flood zone, you should know which flood zone designation your area has been given.

Your flood zone designation will impact the costs of flood insurance in your area, so it’s important to know if your area has been declared a high, moderate, low, or undetermined risk flood zone. 

Understand flood insurance requirements

You might be required to carry flood insurance by your mortgage provider. If this is the case, you should find out how much flood insurance you are required to carry.

Remember that flood insurance is not usually included in home insurance policies and generally must be purchased separately. 

Research government programs that help you get flood insurance

You definitely need to look into FEMA-subsidized flood insurance if you are in a high-risk area. FEMA manages the National Flood Insurance Program (NFIP), which is available to homeowners living in any of the 23,000 communities that participate in the program in the US. 

While NFIP insurance may be less expensive than private insurance for some homeowners, this isn’t the case in every situation. That’s why homeowners need to do their research and get quotes on numerous policy options. 

Give Us A Call

If you have questions about flood insurance, get in touch with us at Barry Insurance Group in Pearland, TX. We can assist you in protecting yourself financially with an appropriate flood insurance policy. 

What Are The Benefits Of Having Health Insurance?

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Health insurance is something that is vital for everyone. It can be a lifesaver in times of emergency, and it can help you get the medical care that you need when you need it. Barry Insurance Group in Pearland, TX can help you navigate this important coverage.

These are some of the benefits of having health insurance:

1. Health Insurance Can Help You Pay for Unexpected Medical Bills

If you are ever faced with an unexpected medical bill, health insurance can help you pay for it. This is one of the most important benefits of having health insurance. Unexpected medical bills can be a financial burden and cause a lot of stress. With health insurance, you’ll have peace of mind knowing that you can get the care you need in Pearland TX, without having to worry about how you will pay for it.

2. To Safeguard Your Family’s Health

Your family is your life. You want to do everything you can to protect them. Having health insurance is one of the best ways to safeguard your family’s health. If something happens and your family member needs medical care, you’ll be able to get it for them without having to worry about how you will pay for it.

3. To Fight Lifestyle Diseases

Lifestyle diseases result from poor diet and lifestyle choices, such as obesity, heart disease, stroke, and diabetes. These diseases are expensive to treat and often require lifelong care. Having health insurance can help you afford the treatment you need to manage your condition.

4. To Protect Your Savings

Medical bills can be very expensive, and if you don’t have health insurance, you may have to pay for them all out of pocket. This can quickly deplete your savings and leave you in a difficult financial situation. Having health insurance from Barry Insurance Group can help you protect your savings and keep your finances healthy.

Give Us A Call

These are just a few of the benefits of having health insurance. If you don’t have health insurance, we encourage you to consider getting it. It can be a lifesaver in times of need and help you afford the care you need to stay healthy. Barry Insurance Group in Pearland, TX specializes in health Insurance plans for individuals, families, and businesses as well as other insurance coverages. Contact us today to learn more.

3 Beautiful Memorial Traditions from Around the World

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Cultures from all over the world have a rich tradition of memorials for their departed loved ones. These traditions can vary significantly from country to country. In some cases, these practices are as ancient as human civilization itself. Please enjoy these memorial traditions on behalf of Barry Insurance Group in Pearland, TX. Remember, we offer life insurance coverage to protect your family and their future to increase your peace of mind. 

Memorial Traditions Around The World

The Fantasy Coffins of Ghana

Ghana is a gorgeous country on the west coast of Africa. Among the complex cultural traditions, one unique custom is fantasy coffins. These are coffins with carved images and designs meant to reflect the personalities and passions of the deceased. Examples include coffins shaped like sunglasses, soda bottles, and even a hot air balloon.

South Korea’s Burial Beads

South Koreans developed a unique way to commemorate their loved ones’ cremains: having them made into beads. Due to a law that requires families to dig up the dead after 60 years to make room for the newly deceased, many families have switched to cremation. Instead of opting for an urn, they have the ashes blown into glass beads that hang up somewhere special in the home.

The Mexican Day of the Dead

The concept of the Day of the Dead is ancient. It was likely brought to Mexico by the Aztecs. It is a day when Mexican people celebrate the spirit of the dead. Families decorate their streets and houses with flowers, candles, and photos of deceased loved ones. Each family has a special place where the decorations represent the dead members.

Take Care of Your Family Today

Various cultures throughout the world have different customs when it comes to how they honor the dead. No matter how you want your life to be remembered, it’s essential to ensure your loved ones are taken care of when you’re gone. Barry Insurance Group can help you find the right life insurance policy in the greater Pearland, TX area. Please reach out to us today.

Why basic auto insurance may not be the right choice for you

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Texas doesn’t require that you have auto insurance, but it does require that you show you have the means to pay for any damage you may cause to someone else. Most people find that it is easier to just have auto insurance than to prove they can pay for the results of an accident. At Barry Insurance Group in Pearland, TX, we are independent agents and have access to many carriers meaning that we provide our customers with more choices. 

Why basic auto insurance may not be the right choice for you

In Texas, basic coverage is 30/60/25. If only one person is injured the insurance will provide $30,000 coverage, if more than one person is injured, the total can’t go over $60,000. It also allows $25,000 for damage to property. This may sound like a pretty generous amount for basic insurance but think about what a stay in the hospital costs. It could go way beyond the minimum allowed in just a few days to say nothing of a judgment. 

If you have assets, they could be in danger if your insurance is not enough to pay for any damages you cause. 

Are you leasing your vehicle or do you have an auto loan? Then basic auto insurance is not going to be enough. You will be required to have collision and comprehensive to protect your vehicle as well as other people. 

Think about what your life would be like if your car was totaled in an accident you caused and you have no collision or comprehensive coverage. How would you get to work? How would you run errands? Can you live without your vehicle? Most people need a car to survive in suburbia. Think about that before you opt for basic coverage. 

Contact Barry Insurance Group in Pearland, TX for an auto insurance review or a new carrier for your vehicle. 

Top 3 Things to Look for in a Commercial Insurance Policy

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When it comes to finding the right commercial insurance policy, it can be tough to know where to start. There are so many options available, and each policy seems to cover something different. How can you be sure you’re getting the best coverage for your business? Barry Insurance Group in Pearland, TX offers you a guide on choosing a commercial insurance policy. 

Top 3 Things to Look for in a Commercial Insurance Policy

1. What the Policy Covers

When choosing a commercial insurance policy, the first thing you’ll want to look at is what exactly the policy covers. What types of events or accidents does it cover? Does it cover property damage, liability, or both? For example, a liability policy will protect your business if someone is injured on your property, but it won’t cover any damage to your property itself. On the other hand, a property damage policy will cover damage to your property but not any injuries that occur on it.

2. The Policy Limits

When choosing a commercial insurance policy, the second thing to look at is the policy limits. This is the maximum amount of money the insurance company will payout in the event of a covered accident or event. It’s important to choose a policy with limits that are high enough to cover the potential damages your business could face. Otherwise, you may be left footing the bill yourself if something happens.

3. The Deductible

Unfortunately, some business owners make the mistake of overlooking the deductible when selecting a commercial insurance policy. This is the amount of money you’ll have to pay before your insurance company starts paying claims. A higher deductible means a lower premium, but it also means more risk for you if something happens. Choose a deductible that you’re comfortable with and that fits your budget.

Get Commercial Insurance in Pearland, TX

If you’re looking for commercial insurance, keep these three things in mind. Barry Insurance Group offers various commercial insurance policies, so we can help you find the right one for your business. Contact us today to learn more or get a quote.

 

What Doesn’t Homeowner’s Insurance Cover?

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Though home insurance is made to protect your investment, the truth is that it won’t cover everything. Because of that, you need to make sure that you talk to someone to make sure that your investment is protected. Barry Insurance Group in Pearland, TX encourages you to learn more about your homeowner’s insurance. 

What Doesn’t Homeowner’s Insurance Cover?

Earthquake and flood damage. Most typical homeowner’s policies don’t cover earthquakes and flood damage. If you live in an area where earthquakes or floods are common, you may want to add that coverage to your homeowner’s policy. 

General maintenance. If you don’t take care of your home, your homeowner’s insurance may not cover any damage that occurs. If something breaks that could have been prevented, if you had taken care of your home, you may have to pay for the repairs yourself. 

Limits on personal property. Your homeowner’s policy will set limits on how much it will actually cover. It will cover your possessions up until a point. If your jewelry, artwork, or electronics are high-end, you may want to add an umbrella policy to your insurance to make sure that it covers everything. 

Your business. If you run your business out of your home, it won’t be covered under your homeowner’s policy. You will need a separate business insurance policy to make sure that you are covered. 

In order to make sure that you are fully protected, you need to talk to a professional. Here at Barry Insurance Group in Pearland, TX, we would be glad to sit down and talk to you about your options. We want to make sure that you have enough insurance, in case anything happens. We don’t want you to lose your home over something that could have easily been prevented. 

 

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