How’s your new year’s resolution coming along?
Add one more to your list – an insurance check up!

CONTACT: Camille Garcia, Director of Communications and Public Affairs 512-713-4262

The new year brings a renewed commitment to making good decisions. Whether it’s healthy choices, financial planning, more family time – all those resolutions protect your loved ones. Consider one more resolution – check your insurance coverage today. What’s covered? Do I need less or more insurance? Here are some tips to having a good conversation with your agent.


Auto Insurance

  • Do you have comprehensive insurance which covers for damage caused risks including hail, falling objects, flood, vandalism?
  • Do you have gap, rental car coverage or roadside assistance? Some customers may not need this coverage if they have an older model car or a separate membership service.
  • Is your liability coverage enough to protect you for damages you may cause?
  • What’s your deductible? Can you afford to increase it?


Home insurance provided coverage for the structure, personal property and often additional living expenses.

  • What does your policy cover? Do you have enough coverage if you have a total loss? Ask about limits, exclusions and deductible.
  • Some policies cover depreciated value of your home and/or personal property – other policies cover for the cost to replace these items. Understanding what you have can help in budgeting; don’t wait until you have a loss to find out!
  • Are there other coverage or “endorsements” included in your policy? Ask now about what those policies are to see if you need the coverage.
  • Working from home means I have company equipment onsite – what’s covered?


Renters insurance provides coverage for your personal property and sometimes additional living expenses for some losses.  Don’t forget, your landlord is responsible for the structure – not your personal property.

Ready to save money? Consider the following:


  • Raising your deductible usually results in reduced premiums.
  • Ask about discounts including multi-policy, good student, good driver, safer cars, newer home, home and auto security systems.
  • Ask about vehicle devices or software that track your driving habits. Tracking your good driving behaviors can help reduce your rates.
  • Review coverages and endorsements – do you need them all or has your situation changed?
  • What’s covered and what’s not covered?  Ask “what if” questions to help determine if you are over or under insured.
    • What if my car is damaged by hail or stolen?
    • What if a pipe breaks in my home?
    • What if flood water enters my home?
  • Compare coverages. Use a site supported by the Texas Department of Insurance and the Office of Public Insurance Counsel which allows you to compare rates.


Insurance can be complex, but there’s no better time to understand and check your policies than today. Every individual and family has different needs – every stage in life means you should look at your coverage today to make sure you are protecting those you love. For more information, contact Camille Garcia, Director of Communications and Public Affairs at Insurance Council of Texas 512-713-4262,


The Insurance Council of Texas is the largest state insurance trade association in the country consisting of approximately 400 property and casualty insurers

writing business in Texas. For more information, see our website, follow us on LinkedIn and Twitter for up to date news and information.


2801 South IH 35, Austin, TX 78741 * PO Box 15, Austin, TX 78767-0015 * 512-444-9611

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