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Does Flood Insurance Cover Total Home Replacement?

You must have flood insurance if your home is in a flood zone. But what does that mean? And what does it cover? Most people think flood insurance is something that covers the damage caused by water. And while that’s true, it’s not the entire story. Flood insurance also covers the cost of rebuilding your home if it’s destroyed. Great Southern Agency in Tomball, TX offers this guide in navigating this important insurance coverage. 

Do I Need Flood Insurance?

The first question you need to ask is whether you’re required to have flood insurance. There are a few ways to find out. First, check your mortgage documents. If your lender says you need flood insurance, then you do. It’s that simple.

Second, check your local flood maps. If you live in a high-risk area, you probably need flood insurance. FEMA designates these areas as having a 1% or greater chance of flooding any year.

Your Great Southern Agency representative can help determine if you need flood insurance and how much coverage is right for you.

What Does Flood Insurance Cover?

Most people think flood insurance is something that covers the damage caused by water. And while that’s true, it’s not the entire story. Flood insurance also covers the cost of rebuilding your home if it’s destroyed.

Flood insurance covers buildings and personal belongings. This coverage includes the structure of your home, including the foundation. Personal items can include items like furniture, clothing, and appliances.

How Much Does Flood Insurance Cost?

The cost of flood insurance depends on several factors, including the value of your home, location, and the amount of coverage you need.

Give Us A Call

The best way to get an accurate price for flood insurance in Tomball, TX is to speak with a Great Southern Agency representative. We’ll work with you to determine the right amount of coverage for your needs and get you the best possible price.

The Dos and Don’ts of Condo Insurance

Owning a condominium comes with a unique set of responsibilities. Not only are you responsible for the maintenance of your unit, but you also share common areas with your neighbors. As a result, it’s important to have the right insurance coverage in place in case of an accident or incident. But with so many different options available, it can be difficult to know where to start. Great Southern Agency in Tomball, TX offers this guide in navigating this important coverage.

The Dos and Don’ts of Condo Insurance

Do: Make Sure Your Condominium Association Has Insurance

Your condominium association is responsible for insuring the common areas of your building, such as the lobby, hallways, and roof. However, this insurance does not cover your personal belongings or unit. That’s why it’s important to have your own condo insurance policy in place.

Don’t: Rely on Your Condominium Association’s Insurance for Everything

While your condominium association’s insurance will cover some things, it’s important to remember that it will not cover your personal belongings or unit. That’s why you must have your own condo insurance policy.

Do: Know What Your Condominium Association’s Master Policy Covers

Before purchasing a condo insurance policy, it’s important to know what coverage your condominium association’s master policy provides. This will help you avoid duplication of coverage and ensure you’re properly protected.

Don’t: Forget About Personal Liability Coverage

Personal liability coverage is important for any type of insurance policy, but it’s especially important for condo owners. This coverage will protect you in the event that someone is injured in your unit or if you’re found responsible for damages to another unit.

Do: Consider Additional Coverage for High-Value Items

If you have any high-value items in your unit, such as jewelry, art, or electronics, you may want to consider purchasing additional coverage for them. Many condo insurance policies limit the amount of coverage for personal belongings, so it’s important to ensure you’re properly protected.

Don’t: Wait Until Something Happens to Get Insurance

It’s important to remember that insurance is not a luxury; it’s a necessity. And, like any other type of insurance, it’s important to have it in place before you need it. Waiting until something happens to get insurance is not only risky, but it could also be too late.

Get Condo Insurance in Tomball, TX

The bottom line is that condo insurance is a must for all owners. By following the dos and don’ts above, you can ensure you’re properly protected. If you have any questions about your coverage or if you need help finding the right policy for your needs, contact Great Southern Agency today. We’re here to help.

What Are Some Common Recreational Activities That Are Covered?

Recreational activities covered by insurance can vary by company. Most standard plans cover activities like skiing, scuba diving, and snowboarding. You might need to upgrade your plan or get additional coverage to participate in more dangerous activities like rock climbing or skydiving. 

Many insurance companies also offer add-on plans that let you extend your coverage to activities like hiking, camping, and sightseeing. These plans are less expensive than purchasing a plan for every activity. You may however have a higher deductible, limit on benefits, or a smaller coverage limit. Some insurers offer special policies for kids. It’s advisable to shop around and compare different plans to find the right fit for you.  Great Southern Agency in Tomball, TX offers you this guide in navigating recreational insurance.

What Are Some Common Recreational Activities That Are Covered?

Insurance can be used to protect against the cost of many leisure activities, such as sports, travel, and hobbies. If something happens that causes you to pay high medical bills, your policy could cover it. 

If you are on vacation and are involved in an automobile accident, that could be covered by your policy. Your policy could cover if you are taking up a new hobby, such as collecting stamps, and it damages someone else’s property.

If you are taking a trip and are delayed due to bad weather, your policy could cover that. 

The list of activities that your health insurance may cover can vary by plan. Many plans offer partial or full coverage for fitness activities like yoga and weight lifting. It may include other activities like sailing and ice skating. 

Some plans may also offer coverage for diet and nutrition programs, ranging from Weight Watchers to a program that helps you increase your intake of fruits and vegetables. 

Finally, you may also be covered if you undergo a treatment such as acupuncture, massage therapy, or physical therapy to help you manage stress, impacting your physical health. For recreational activities’ coverage, consult Great Southern Agency in Tomball, TX.

Is It Worth Having Renters Insurance if I Live In a Safe Neighborhood?

Many people think that renters insurance is unnecessary for people who live in safe neighborhoods. But whether or not your area is considered "safe," it’s essential to consider the truth of the matter: You can never predict when disaster might strike. Here are four reasons you should still have renters insurance, even if you live in a safe area.

1. Your Belongings Might Not Be as Safe as You Think

Theft is not the only thing that could happen to your belongings. Natural disasters, such as fires and water, can also cause serious damage to your property. Renters insurance can help you replace or repair your belongings if damaged or destroyed in a disaster.

2. You Might Not Have Enough Money to Repair or Replace Your Belongings

If something does happen to your belongings, you might not have enough money to repair or replace them. Renters insurance can help you pay for the repairs or replacements, so you don’t have to worry about paying out of pocket.

3. Your Landlord’s Insurance Will Not Cover Your Belongings

Even if your landlord has insurance, it will not cover your belongings. Renters insurance is the only way to ensure that you are protected if something happens to your property.

4.  You Get Liability Coverage

Renters insurance also provides liability coverage, protecting you if someone gets injured while in your home. This coverage can help you pay for the costs of medical care and any legal fees that might arise. This is important to have, especially if you have pets.

Get Renters Insurance in Tomball, TX

Although you may feel safe living in a particular area, it’s important to remember that disasters can happen anywhere. Make sure you are protected by having renters insurance. Great Southern Agency can help you find the right policy for your needs. Give us a call today.

Guide to Safely Driving a Motorcycle

While it is impossible to deny the fun factor that motorcycles possess, they are far more dangerous than driving a car. With a motorcyclist 30 times more likely to be in a fatal accident compared to a motorist per the Insurance Information Institute, it is imperative that motorcyclists practice safe driving techniques while on the road.

Purchase the Right Gear

Looking your best may be a priority for a normal life, but when you are on a motorcycle, you need to prioritize function and safety over the fashion of your outfit. Wearing shorts and a t-shirt – no matter how hot it is outside – or simply jeans will not protect your extremities during an accident. Motorcyclists should be wearing a DOT-approved helmet, specially designed motorcycle jacket and pants that allow for ventilation, and gloves for hand protection. 

Steer Clear of Distractions

A motorcyclist should avoid distractions like their phone, but they also need to be aware of other motorists. Whether a driver is sipping their Starbucks, fixing their hair for work, or on a cell phone, distracted driving is on the rise, posing a significant threat to motorcyclists. If you notice a vehicle veering from its lane or driving erratically, pass when safe or slow down to avoid potential issues. 

Watch for Debris

Sand, gravel, water, and other debris can be a motorcyclist’s worst nightmare. Consequently, it would be best if you always were looking ahead and remain vigilant for unstable road conditions. 

Ultimately, one of the best ways to protect yourself and others while on a ride is to have adequate motorcycle insurance. The knowledgeable team at Great Southern Agency in Tomball, TX is looking forward to helping you with your motorcycle insurance needs.

Why Texas Residents Need Boat Insurance While They’re Out On The Water

Great Southern Agency provides coverage to the Tomball, TX community. We believe that hospitality and making our clients feel welcome makes a huge difference. We offer flexible policies designed to meet the needs of our clients in every situation. For over 30 years, we have helped our clients find the coverage they need to protect what matters most. We are confident that we can help you protect your assets.

Why Texas Residents Need Boat Insurance

Boating is a popular hobby throughout Tomball, TX. On warm summer days, many residents enjoy going out on the water and having fun with friends and family. However, it’s important that you have some protection while you’re out on the water. Accidents can occur at any time. That’s why boat insurance is an asset. Boat insurance covers multiple types of boats, so you should be able to find a policy that aligns with your needs. The terms of your policy may differ depending on whether you have a traditional watercraft, sailboat, or powerboat.  

Boat insurance covers you if the boat sustains damage or somebody vandalizes it. Most of your personal items on the boat are covered if there are damaged. However, you may need to amend your policy if you have special accessories attached to your boat such as an anchor. Liability coverage protects your boat from accidentally causing damage to someone else’s property. You are also covered if one of the guests on your boat is injured. Pay attention to the policy’s navigational limits. The navigational limits outline the places that you are allowed to sail and still remain covered.

Great Southern Agency Will Help You Cover Your Assets

Visit our website to learn more information about boat insurance.

Umbrella insurance FAQs

Umbrella insurance is one type of insurance that confuses most people. They don’t know what it is and if it is worth having. At Great Southern Agency in Tomball, TX, we are independent insurance agents and we work for our clients, not for an insurance company. You can count on us explaining things to you so you have the information you need to make an educated decision. 

What is umbrella insurance?

Umbrella insurance is excess liability insurance. It supplements other insurance policies that you have with liability coverage. Some of the policies that have liability are home, condo, renters, auto, boat, and motorcycle. In the event that you have to use your liability coverage, your primary policy will cover to its limit and then your umbrella policy will kick in. 

Who needs umbrella insurance?

Almost everyone can benefit from umbrella insurance. Do you own a home? Do you have additional assets? Have you put aside some savings? Do you have a retirement account? Protecting all of these things is vital. What are the liability limits on your insurance policies? Will they leave you holding the bag in the event you need to use your liability protection?  Once you have the answer to these questions, you should be able to determine if umbrella insurance is a good option for you. 

Can I buy umbrella insurance without having other insurance?

No,  you can’t. Umbrella insurance is not a stand-alone policy. It is additional liability coverage in addition to the liability coverage that you have on another policy. 

Do only the rich benefit from umbrella insurance? 

No, it doesn’t matter how many assets you have, if you want to protect them, umbrella insurance is an affordable option. 

Call Great Southern Agency in Tomball, TX when you are ready to talk about how umbrella insurance might be right for you.

What You Need To Know About Recreation Insurance

Keeping your recreational vehicles and toys properly insured is the best way to keep the good times rolling. At Great Southern Agency serving Tomball, TX and surrounding areas we want to help our clients have fun the safest way possible. Keep reading to learn about the different types of recreation insurance. 

RV Insurance 

RV insurance can be used to cover your recreational vehicles such as campers and RVs. These types of vehicles will need the proper insurance coverage in order to be on the road. It is also important that you have these items covered with insurance so that your personal belongings within the RV will also be protected. 

Boat Insurance 

If you own a boat or watercraft, proper insurance is the only way to protect your investment in your watercraft. It is also the best way to protect yourself from liability should someone get injured on your boat or because of your boat. 


ATVs or all-terrain vehicles pose a particular risk to owners and riders. Because these vehicles are often taken into off road situations, the chance of wrecks or injuries is high. Having these vehicles properly insured will mean that should an accident happen you will not be held liable for injuries or damage. 

Motorcycle Insurance 

Motorcycles can be covered under recreational vehicle policies if they are not used as a primary mode of transportation. You can talk with an insurance representative to find out if your bike qualifies for this type of policy. 

If you would like to learn more about our services, or if you are interested in recreational insurance policies, please contact us at Great Southern Agency, serving Tomball, TX and surrounding areas. 

4 Benefits of renters insurance

Have you ever assessed the value of the assets you have and what can transpire if unexpected peril strikes and they get damaged or stolen? Can you afford to replace them? If not, purchasing solidified renters insurance at Great Southern Agency is paramount. If you rent a home in Tomball, TX your space and belongings will require a prolific insurance policy to boost your safety. Unfortunately, many Tomball, TX residents ignore the investment of renters insurance with the belief that their landlord’s homeowners policy covers their personal property. Renters insurance provides a tenant with peace of mind that it will safeguard their property in the event of a covered peril. Please speak with our reputable agents at Great Southern Agency, and they will help you customize a renters’ insurance meeting your needs and budget. Keep reading to establish why renters insurance is of absolute necessity.

Investing in renters insurance in Tomball, TX is a prudent idea for any tenant because it’s a worthwhile asset that harbors the following benefits:

Protect personal property

It’s paramount for any tenant to understand that your landlord is not financially liable if a calamity strikes and ravages your belongings. Therefore, buying personal property coverage is crucial because it safeguards your possessions such as electronics, clothing, and furniture from imminent perils like theft and hailstorm. It pays for the cost of repair or replacement.

Liability protection

What transpires if a visitor residing on your premises trips and falls, breaking his arm or leg? Paying medical expenses out-of-pocket may be expensive. Worry not because purchasing liability coverage from Great Southern Agency safeguards you against imminent lawsuits, physical injuries, or property damage propagated by you or your family members to third parties.

Provision of additional living expenses: It’s imperative to understand that unforeseen events can relegate you to homelessness as a Tomball, TX resident after your rented apartment gets destroyed. Luckily, loss of use coverage comes to your rescue and caters to additional expenses and hotel bills if your condominium becomes uninhabitable and you reside elsewhere.

Offers medical payments coverage: It reimburses costs for reasonable medical bills if a visitor residing on your premises gets incapacitated, regardless of who is legally deemed responsible.

Do you want to gain peace of mind in Tomball, TX, which comes with guaranteed protection of yourself and your rented apartment? Contact us today at Great Southern Agency for a competitive renters’ insurance quote.

Risks Of Not Having Motorcycle Insurance

If you decided to get yourself a motorbike, you should also consider getting motorcycle insurance that will protect your precious vehicle, you as a motorist, and other people on the road. However, many motorcycle owners decide to save some money and not purchase motorcycle insurance. If you are one of them, you should realize that you will face a certain number of risks while riding a motorcycle without proper motorcycle insurance. 

Risks of Not Carrying Motorcycle Insurance

  • You can risk facing legal consequences by riding without motorcycle insurance. In the state of Texas, it is illegal to ride a motorcycle without proper insurance. Therefore, a variety of different penalties may result, including tickets, fines, court appearances, license suspension, points on your driver’s license, and others. 
  • The damage to your motorbike is not covered. If you are involved in a road accident and your bike is damaged, you will have to pay for repairs or replacement out of pocket. 
  • You will be responsible for the injuries and medical bills of other people. If you cause a road accident and other people get injured, you will be responsible. As a result, you will have to cover their medical expenses and bills.

Great Southern Agency serving clients in Tomball, TX – An Insurance Agency You Can Trust

If you are a lucky owner of a motorcycle in the state of Texas and you are in Tomball, TX or any other surrounding town, you should not forget about getting a proper motorcycle insurance policy before hitting the road. If you are not sure what policy you need and how to choose motorcycle insurance, contact Great Southern Agency. We have years of experience, and we know how frustrating the process of choosing insurance may be. We will do our best to find you an insurance policy addressing your needs and requirements. Do not hesitate to give us a call at any time – we are always here for you.