Trusted Insurance for All Aspects of Your Life

Auto Insurance

Car insurance is more than a safeguard—it’s the law! At the very least, drivers in Texas must have liability insurance which amounts to $30,000 dollars in liability coverage for each injured person, up to a total of $60,000 per accident and $25,000 of coverage for property damage per accident. Some other points you should know about car insurance include:

• If you cause an accident, other drivers can sue you if you don’t carry enough insurance to cover their damages. For this reason, you might consider increasing your policy amount.
• Liability insurance covers other drivers’ damages or injuries—not yours—if you cause an accident. To ensure you have coverage for your own repairs and medical expenses, you should consider carrying additional coverage. 
• Collision insurance pays for damages on your own vehicle.
• Comprehensive insurance covers damage from nature, theft, or vandals.
• Underinsured or uninsured insurance covers a range of expenses if you are in an accident caused by another driver if their insurance won’t cover damages or if they flee the scene.

Homeowners Insurance

You’ve worked hard to put a roof over your head, so why leave that stability to chance? Rest easy knowing you’re covered if the unthinkable happens. When you work with Wello-Wella Tax Service, we’ll help you choose a policy and avoid some common mistakes like these:

• Underinsuring your house; it’s safest to base your policy on the amount it would take to replace your home. 
• Choosing the wrong deductible in an attempt to save money; deductibles are generally best at either $500 or $1000.
• Not researching discounts; some providers offer lower premiums for having features like smoke detectors or security systems.
• Assuming your policy covers all; for example, most policies do not include flood insurance.

Life insurance

Many people make the mistake of thinking that life insurance is only for those who are older, but that is far from the truth. A good rule of thumb is to consider what would happen to your family if something happened to you. Could they remain in the home? Does your family have another source of income if yours goes away? Could your family cover the costs of burial and a funeral?

Thinking of these and other scenarios can be daunting but having a plan in place with a reliable life insurance policy lets you rest, knowing that your loved ones are taken care of in the event of your absence.

Unsure about your coverage needs?

Call (210) 370-3002 and let us know how we can help.