Auto and Homeowners Insurance
Auto and Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Auto and Homeowners Insurance Information
West Texas Car & Home Insurance
Buying a new car or a new house is going to be a big investment. It is likely something you have saved money for over a lot of years. So, once you make that investment, you need to be able to protect it. As a result, you need to have the appropriate homeowners insurance or auto insurance for the value of the property and liabilities you assume.
Both homeowners and auto policies can provide extensive benefits for damage, property losses or lawsuits that might arise because of your mistakes. However, everyone’s property value differs, which is why you must obtain a policy that accurately applies to your specific vehicle or household.
If you want professional guidance on how to choose the right homeowners or car insurance, then you can rely on the expert team at Lone Star Insurance Group. We offer policies for residents of Lubbock and all of west Texas, and we guarantee that we can help you find quality protection that remains within your financial reach. To get started, all you have to do is call us at (806) 796-3834 or request a free quote for your homeowners or auto insurance right now.
How does car insurance work?
Car insurance protects drivers from the financial losses that might result from car accidents or other damage to their vehicles. Instead of being forced to pay out of pocket and running the risk of financial insolvency, vehicle owners can rely on this coverage to pay instead. Your policy might cover:
Repairs to your vehicle following wrecks, fires, theft, vandalism or weather damage.
A replacement vehicle after a hazard or accident totals the vehicle.
Property damage or injuries to third parties, like other drivers, when an accident is your fault.
Your medical bills if you get hurt in a wreck.
What car insurance coverage do I need?
As an at-fault insurance state, Texas requires drivers who cause accidents to pay for the damage of others. Therefore, the state requires three minimum amounts of liability insurance (also called at-fault coverage) from all registered drivers. These are:
$60,000 Bodily Injury Liability coverage per accident
$25,000 Property Damage Liability coverage
Drivers have the option to increase these minimum limits and to buy additional benefits, such as:
If you have a financed vehicle, then you might have to buy collision or comprehensive coverage.
The more coverage you buy, the more protection you will have against the potential costs of car wrecks or other losses. Our agents are happy to guide you through the process of selecting the right coverage.
Drivers who need specialty coverage can click on the links below to learn more about coverage for:
When will homeowners insurance protect me?
Homeowners insurance protects your property and security in case of unexpected or unavoidable accidents in your home. It might pay for:
Damage to your house or other structures following fires, break-ins, severe weather damage, burst pipes and other hazards.
Possessions damaged or lost to a covered hazard.
The costs of defending yourself against lawsuits if you make a mistake that causes someone else harm or a financial loss.
Your living expenses after a hazard in your home causes you to move out of the property.
There are many types of homeowners policies because of the many types of homes on the market. These include:
What homeowners coverage will I need?
You’ll want your homeowners insurance to protect your full financial investment in your property. Therefore, you’ll need several types of coverage within your standard policy, such as:
Additionally, you might need expanded policy endorsements for high-value possessions, flood damage and other specialty features of the home.
Keep in mind, your policy will include limits, deductibles and exclusions that might restrict how much your policy will pay you. However, your agent is happy to work with you to build the appropriate policy.