Home Insurance Add-ons To Consider

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Home insurance protects you against many perils, including theft, fire, vandalism, and so forth. Unfortunately, just like other coverages, home insurance isn’t entirely perfect- it has limitations and exclusions. For this reason, you need add-ons (endorsements) to boost your home insurance coverage. 

If you are in The Woodlands, TX, and would like to get the most out of your home insurance policy, Outdoor Insurance Services shares add-ons to consider for your home insurance coverage.

Flood damage

Typical home insurance doesn’t protect your home against natural water flooding. If you live in a flood-prone area, you need to invest in flood insurance to protect your home against flooding that can cause costly damages.  

Umbrella insurance

Umbrella insurance provides extra protection when your home insurance liability coverage runs out. For instance, if someone falls off your balcony and sustains severe head injuries, umbrella insurance can help cover medical costs and possible lawsuits when your liability coverage is exhausted.

Jewelry and valuables coverage

While your home insurance protects your high-value items like art, jewelry, and fur, the protection is limited. As such, you need to consider a rider to protect your high-value items from perils like theft and fire. 

Underground services line

If damage occurs from the underground utility lines on your property, home insurance doesn’t cover you. That said, you need an endorsement to protect you when tree roots or over-age service lines cave in and cause damage to your home. 

Earthquake coverage

Without an earthquake endorsement, you may have to incur out-of-pocket expenses to repair your home and remove debris when an earthquake strikes. If your house is located in an earthquake-prone area, you need this endorsement for optimal protection. 

Home insurance in The Woodlands, TX

Would you like to boost your home insurance plan with additional riders? Please contact Outdoor Insurance Services for an affordable quote.

4 Risks of Driving Without Auto Insurance

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While auto insurance is a vital investment to have, can you imagine there are motorists in The Woodlands, TX, and other parts of America that drive without insurance? You are considered to be at the default of auto insurance if you drive without the state-required coverage or drive with none at all. While it sounds unbelievable that one can go without insurance, it happens, but the consequences are dire. Here is a rundown of the risks you incur by not purchasing auto insurance.

Be prepared to pay heavy fines and penalties 

When you fail to buy auto insurance from Outdoor Insurance Services in Texas, you will pay between $175 and $350 if you are a first offender. If you are caught with the same offense again, fines can be anywhere between $350 and $1,000. Additional penalties include license revocation and vehicle impoundment. Why would you go through this, whereas the average cost of auto insurance is close to the penalties you pay for driving without coverage?

Incur financial losses

Perhaps, this is the most common reason why you should carry auto insurance. Comprehensive and collision coverages pay for damages to your car, deterring you from financing car repairs from your pocket. Additionally, the liability coverage shields you from paying damages caused to other motorists. Without auto insurance, you are expected to cater for your damages and those you cause to other persons from your finances.

Exposure to liability claims

Auto insurance shields you from legal suits for accidents you are deemed liable. When you fail to carry auto insurance, you may have to finance legal costs, settlement claims, and other liability claims from your pocket. 

No peace of mind

While you can’t prevent accidents 100 percent, auto insurance provides you with peace of mind while driving. However, without auto insurance, you keep worrying about the eventualities of an auto accident — your ride is never calm and relaxed.

Buy car insurance today!

Are you looking for auto insurance in Woodlands, TX? Please contact Outdoor Insurance Services for an affordable quote.

3 Tips for Purchasing Hunting Insurance

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Hunting can be a dangerous sport. While most hunters take safety courses and know basic safety protocols, inherent dangers must be considered and planned for. One of the best ways to plan for these is by purchasing hunting insurance from Outdoor Insurance Services.

However, when purchasing this coverage in The Woodlands, TX, you may need a few tips to get proper coverage for your needs. Keep reading to learn what these tips are.

1. Know What You Need

When purchasing hunting insurance, knowing the type and amount of coverage you need is a must. Take some time to figure out what level of coverage is adequate and why you may need more or less than the recommended minimums.

2. Compare the Options

Before purchasing hunting insurance, it is good to compare policies from the top two to three providers. Remember, it is never a good idea to go with the lowest price. Before choosing, compare the quotes, what is covered, what isn’t covered, and deductibles. In some cases, the best policy will be the one offered at the lowest price, but this is not always the case.

3. Work with the Professionals

Any time you need insurance, working with a professional in the industry can be beneficial for anything, including hunting insurance. This individual will help you determine what you need and help you find a policy for an affordable price.

When it comes to hunting insurance, there are many factors to consider. Finding the right policy is something that takes time and effort but is well worth it in the long run. For help making this purchase, consult with the team at Outdoor Insurance Services. This company serves those in and around The Woodlands, TX, area. Having proper insurance coverage can protect you and others who are hunting.

Let’s Talk About Life Insurance

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If you find it awkward or uncomfortable to talk about life insurance we can help you at Outdoor Insurance Services serving The Woodlands, TX. We know that in order to make the best insurance choices, sometimes you need to have important, challenging conversations. This is definitely the case when it comes to life insurance. Keep reading to learn more about this important insurance product.

Why Is Life Insurance Challenging?

The topic of life insurance is challenging for some people because in order to discuss life insurance you must also discuss death. People generally like to avoid this subject if they can. However, when it comes to the topic of life insurance, this is a very important conversation to have. If you find it difficult to discuss this topic, our team of life insurance professionals can help. 

How Does Life Insurance Work?

Life insurance is an insurance product which you purchase and invest in so that your loved ones will be provided for financially upon your passing. This life insurance benefit amount on your policy will be paid to your beneficiaries when you die. This benefit amount can be used to pay for your final expenses and to help your loved ones financially when your income is no longer present. 

How Much Life Insurance Do I Need?

People often ask this question. There are many different factors that determine how much life insurance you will need. The best way to determine this amount will be to sit down with our representatives. Our knowledgeable staff will be able to help you best answer this question based on your family’s unique situation. 

If you would like to learn more about life insurance, or any of our other insurance products, please contact us at Outdoor Insurance Services serving The Woodlands, TX.

Why should I get distilleries insurance?

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The popularity of distilleries and related establishments has continued to increase all over the country. Those that run distilleries can be quite successful selling their products and serving customers. If you are in this industry, it is important that you have proper insurance. There are a few reasons why someone will need to have distilleries insurance in The Woodlands, TX. 

Insurance Will Protect Assets

A distillery will need to invest in a lot of hard assets to grow its business. Some of the assets that you will need can include equipment, inventory and furniture, and fixtures. If you were to lose these assets to a fire, it could be devastating. Fortunately, you can offset this risk with a distilleries insurance plan. When you get distilleries insurance, it will give coverage that can be used to repair or replace these core assets of your business. 

Liability Insurance Protection

You should get a distilleries insurance plan as it can also provide you with liability insurance protection. When you operate a distillery, there will always be some liability risk associated with producing the final product and selling it to customers. When you invest in a distilleries insurance plan you can build a policy that will give the coverage necessary to mitigate this risk. 

When you are looking for distilleries insurance to protect your The Woodlands, TX area business, it is important that you speak with someone that you can trust. The team with Outdoor Insurance Services understands the value that comes with distilleries insurance. Outdoor Insurance Services will be able to help you build a plan that properly protects your business from liability risk and covers all of the assets that your distillery owns. They are able to do this by assessing your particular needs and building a plan accordingly. 

Why do I need to carry wineries insurance

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Wineries are a unique niche in the business world. All businesses have particular needs and risks and wineries are no exception. Having the correct insurance to mitigate as much as possible those risks is important. At Outdoor Insurance Services in The Woodlands, TX, we have expertise in a variety of insurance services. Protecting businesses and business owners is one aspect we take pride in. We strive to provide our clients with the most appropriate insurance for their particular business. 

As a vintner, you are all too aware of the many hazards that your business and crop are exposed to. The amount of precipitation can affect your grapes adversely whether it is too much rain or too little rain. Many things that affect your bottom line are beyond your control but with the right insurance, you can protect your business and survive to succeed another day. 

Property insurance

A winery has the equipment to produce and store wine. A failure in this machinery can result in spoiled wine and a major loss. Barrels can fail and result in lost product. Texas is prone to tornados and damage to the building, vines and your entire operation are possible. Specialized property insurance can make sure that all aspects of your business are protected. 

Liability

If you have a tasting room or have guests on your property you are liable to be sued if someone is injured. All businesses are vulnerable to being sued and having enough liability insurance can protect your assets. 

Business interruption 

Things happen and when your business can’t function because of a covered hazard.  You need the funds to keep your bills current, your employees paid, and your own paycheck coming in. 

At Outdoor Insurance Services in The Woodlands, TX, we are experienced in putting together winery commercial insurance packages to protect your business. Give us a call to make an appointment to discuss this important insurance. 

How Much Home Insurance Do I Need?

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Choosing proper home insurance is not easy, especially because you have to make sure that it will pay for rebuilding your house, replacing your belongings, and defraying the costs if you are unable to live in your house. Outdoor Insurance Services serving clients from The Woodlands, TX has prepared a brief guide for you on how to decide how much home insurance coverage you need: 

How Much Home Insurance Should I Get?

The first and most important thing you need to understand when purchasing home insurance is that there is no one-size-fits-all policy. In order to figure out how much home insurance you need, you should estimate how high costs would be in the situations where your property or personal belongings are damaged, destroyed, or stolen. In order to make sure that you have enough insurance, you need to figure out how much home insurance you will need in four different areas: 

  • Home. That depends on how much it will cost to rebuild your home from scratch. You can always ask a local construction company and a contractor to calculate the costs for you. 
  • Personal belongings. They include furniture, clothing, appliances, electronics, and jewelry. To make sure you are not underinsured, you should create an inventory list. 
  • Liability protection. It covers the costs of a lawsuit if someone is injured on your property and then decides to sue you. You need to calculate your assets (investments, savings, and property) and get more liability protection than the minimum, which is usually $100,000. 
  • Additional living expenses. They are expenses that you may have if your home becomes uninhabitable and you need to move somewhere temporarily. It is recommended to talk to your agent to decide how much exactly you need. 

It is not easy to choose the right insurance and decide on how much home insurance you need because there is a risk of being underinsured. Outdoor Insurance Services serving clients from The Woodlands, TX is ready to help choose the right policy and proper coverage. Do not hesitate to give us a call and talk to one of our agents. 

A Thorough Overview Of Craft Breweries Insurance

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Outdoor Insurance Services serves The Woodlands, TX community by offering multiple types of insurance policies. We strive to make sure that our clients find the coverage they need to prepare for whatever risks life may throw their way. Our guiding principles are integrity and trust.

Craft Breweries Insurance Overview

More craft breweries are starting to emerge throughout Texas. Craft breweries stand out from the crowd due to their unique tastes, aroma, and development process. If you have a craft brewery in The Woodlands, TX area, it’s important that you protect your investment. Craft Breweries Insurance allows you to protect every aspect of your brewery. The policy acts as a safety net if you suffer an unexpected loss. You’ll be covered if your tank explodes or starts leaking. You will also be covered in other parts of your equipment start to break down. There is also the threat of your beverages being contaminated. The policy covers your brewery if an outbreak causes contamination.

Liability coverage is a major asset, especially if you have any tasting rooms that are open to the public or if you are hosting some special events. You will be protected if a patron gets injured while visiting the brewery. Make sure that all of your servers are certified to handle alcohol. It’s important that your employees are protected as well. The policy covers your brewery if one of your employees is injured in the workplace. This is especially important if your employees handle large equipment such as forklifts on a regular basis. You can also amend your policy to cover your business related vehicles as you travel around to different restaurants. The policy protects your business vehicles if they are damaged or stolen.

Consult With Outdoor Insurance Services

Visit our website today to learn more information about craft breweries insurance.

Three things you should know about bar insurance

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As with running any other type of business, running a bar involves certain risks. Bar owners need to invest in bar insurance coverage to protect themselves against these risks. Outdoor Insurance Services provides bar insurance policies in The Woodlands, TX.

The following are three things you should know about bar insurance if you own a bar. 

Bar insurance is specifically designed to provide commercial coverage for bar owners.

Running a bar is a unique business endeavor. The risks you face might differ significantly from those of a restaurant owner or a business owner in another industry. Bar insurance meets the needs of bar owners specifically. That’s why bar owners need to invest in this type of coverage. 

Bar insurance can provide coverage for many potential expenses.

A bar insurance policy can offer numerous types of commercial coverage. These include general liability coverage, liquor liability coverage, assault, and battery liability coverage, and product liability coverage.

At the same time, bar insurance coverage can also include more typical types of commercial coverage like worker’s compensation insurance coverage, commercial property coverage, and commercial auto insurance coverage. 

There are numerous factors that impact bar insurance premiums.

The amount of bar insurance costs vary widely depending on the individual bar. There are many different factors that influence costs.

Some of the factors that can influence bar insurance costs include the type of bar, the city, or geographic location in which the bar is located, and the history of the particular business.

Certain factors like whether or not you host live entertainment like band performances can also influence your bar insurance premium costs. 

Learn more about bar insurance in The Woodlands, TX by getting in touch with us at Outdoor Insurance Services. 

what every new restaurant owner should know about restaurant insurance

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Owning a restaurant in the Woodlands, TX comes with many challenges. From hiring the right employees to satisfying your customers, a restaurant business requires a lot of patience and dedication. At Outdoor Insurance Services, we understand that it is not easy to deal with people; that is why we recommend buying adequate restaurant insurance. If you are planning to start a restaurant, here are a few tips to help you out.

Know the coverages you need and the risks involved

You will not be able to protect or run your restaurant smoothly if you do not know what you’re up against. Running a restaurant means dealing with many people in one place. A lot can happen to your customers, such as food poisoning, slips, falls, injuries, and theft. You need to be adequately prepared to handle such situations in case they happen. For this reason, you may need to buy enough liability coverage, workers’ compensation, commercial property insurance, and crime insurance.

Identify the factors that affect the cost of coverage

When it comes to insuring a hospitality business in The Woodlands TX, insurance providers have to consider several factors before making a price decision. That is why you will be asked dozens of questions, which you must answer truthfully. Insurance companies also conduct research based on your answers before making a final decision. Some of the factors include:

  • Where the restaurant is located
  • Hours of operation
  • The size of the restaurant
  • Type of property
  • Levels of coverage 
  • Los history
  • Activities taking place 
  • Years in business
  • Number of employees 

Read and understand the terms and conditions

The terms and conditions of an insurance policy are the most critical. Read and re-read until everything is clear. Determine the inclusions and exclusions of the coverage while also checking how claims can be handled.

Some factors can make or break your restaurant venture. Having a form of coverage is one of the best ways to protect your business. Let Outdoor Insurance Services help you through the process. Feel free to speak to us today.