A personal insurance policy for your home or car is one of the most important things to protect your family from catastrophic material losses.  We here at Time Insurance Agency are well positioned in the Austin area to understand your unique situations.  We live and work in Austin and share the same traffic nightmares every day! Whether you are an existing client looking to add on to your current policy, or a new client looking to put auto insurance on your very first vehicle, we're here to help!

Time Insurance Agency is a full service independent agency that is not bound to any one insurance company.  We can choose between major carriers to find that perfect policy tailored just for your personal auto and homeowners insurance needs. We can also help you bundle your home and auto insurance to help get you the most inexpensive insurance possible, but with the same great coverage! Call or use our contact form today for a quote! You can also check out our insurance blog for interesting articles related to personal lines of insurance.

Automobile Insurance

Your Austin independent insurance agent can help you find the perfect auto insurance for you.  Auto insurance protects you against financial loss if you have an accident.  It is a contract between you and the insurance company, where you agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage.  Property insurance pays for damage to or theft of your vehicle.  Liability insurance pays for your legal responsibility to others for bodily injury or property damage.  Medical insurance pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Auto insurance should be simple, but that's no longer the case.  Let your independent insurance agent help you find the right auto insurance for you.  We work with the top insurance companies, such as Progressive, but we're located right here in Austin to bring you the personal service you don't always get with the larger companies.  Let us provide you with an insurance quote today!  Below are typical questions we may ask in order to find you the coverage that is right for you at the lowest rate possible.

Car Insurance Questions: 

  • Starting with the basics. You need to have your vehicle information such as the VIN number, body type, model, year and so on. Bring your last policy, it should have most of this information on it.

  • How many miles do you drive each day?  The car insurance carrier wants to know how many miles you drive on a daily basis.  The more you drive, the greater your chance for an accident.

  • Do you use the car for business?  A car used for business might require commercial insurance.  Time Insurance Agency handles personal and commercial policies. 

  • Do you own your car?  If you lease a car, or make payments, the lien holder will require you to hold both comprehensive and collision insurance in addition to the state required liability coverage.

  • Do any drivers live in your house but never drive your vehicles?  You can exclude them from coverage on your policy.

Most auto insurance policies are for six months to a year.  Your insurance agency should notify you by mail when it's time to renew the policy and to pay your premium. The insurance agency will also help you with claims, adding additional vehicles and eligible drivers. 

Here at Time Insurance Agency your independent Austin based insurance agent will help you with all of this! From helping you decide the best liability auto insurance for you to what coverage will be good for your teen driver, we're here to help you every step of the way.  Your agent will get you a quote from one of the top insurance companies that is specifically tailored for needs. Give us a call today at 512-447-7773 or visit our contact page!


Homeowners Insurance

Your home is likely the most expensive "thing" on your list, it is also your most important investment.  You need a local Austin insurance agent that knows your needs and the best way to protect your home with the perfect homeowners insurance policy.  Homeowners insurance provides financial protection against disasters, such as fire, wind, hail, water damage, theft and personal liability. A standard policy insures the home itself and the things you keep in it.  Here in Austin we know how important it is to have homeowners insurance to cover the damage those hail storms can cause!

Homeowner insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any personal injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant is damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

At Time Insurance Agency our independent agents are experienced and trained to give you expert advice on the specific insurance that you need to best cover your home.

Homeowners Insurance Considerations:

  • Damage to your home's physical structure (Dwelling coverage)

  • Damage to other structures like a garage or shed (Other Structures coverage)

  • Your personal belongings - whether in your home or elsewhere (Personal Property coverage)

  • Additional living expenses if necessary in the event of a covered loss (Loss of Use coverage)

  • Your personal liability in the event someone is injured or their property is damaged by you or a family member (Liability coverage)


Mobile Home Insurance

If you are shopping for a Manufactured Home Insurance (often simply called Mobile Home Insurance) policy, you may notice mobile homes are not necessarily in the same class as a conventional home built on a foundation.  

Mobile home insurance is a special type of homeowners insurance policy designed to cover a different set of risks compared to traditional site-built homes. Manufactured homes are built in a factory with lighter materials, then transported to a site where they are typically tied down via ground anchors for stability. Because these homes are designed and built differently than traditional site-built homes, they need a special insurance policy that assumes the added risks that come with a strapped-down home vs. one built on a concrete foundation.

To make the quote more attractive, some agents may place a mobile home between a conventional home and car insurance.  However, the insurance value of a car depreciates based on the Blue Book listing.  As you know, the car will lose substantial value over time.  Apply this to a mobile home and it could be a costly mistake.  To recover from a total loss without a substantial investment on your part you should look at a full replacement value policy for your mobile home.  Time Insurance Agency can find you the perfect policy. Being an independent insurance agency we can shop all the large insurance companies, such as Progressive, to find you the perfect insurance quote for you and your home.

Like many of us, you may spend half of your Saturday at the Depot and the rest of the day doing improvements to your mobile home. You should document any improvements you do and keep receipts. If the value of your mobile home increases call us so we can reflect that on your policy.  

 


Flood Insurance

A "Flood" is defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder's property) from:

  • Overflow of inland or tidal waters; or
  • Unusual and rapid accumulation or runoff of surface waters from any source; or
  • Mud flow; or
  • Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood.

Flood insurance denotes the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands, floodplains and floodways that are susceptible to flooding.

In general, homeowners insurance will not provide protection from damages to a structure, or it's contents, caused by flooding.  It is necessary for property owners to have a separate flood insurance policy to cover a loss caused by a flood. Your independent insurance agent can help determine your specific needs determined by where you live in Austin. Call or visit our contact page today to get your insurance quote.


Watercraft, Boat & Jet Ski Insurance

Living in Austin provides many places to enjoy your personal watercraft.  An independent Time Insurance agent can help you get the proper insurance policy to cover all of your toys!

Watercraft Insurance policies provide coverage for boats and personal watercraft. Watercraft insurance, also known as boat and personal watercraft insurance, often include towing and wreckage removal, as well as fuel spill indemnification. This type of insurance may be purchased for sailboats, house boats, and pontoon boats, as well as other watercraft up to a certain size and value.

Boats and Jet Skies are the typical vehicles covered by Watercraft Insurance.   A runaway Boat or Jet Ski can cause considerable damage to someone's property.  Worse yet, there could be injuries to other people on the water.  Your recreational watercraft can be a considerable liability.  Call us today at 512-447-7773 for an insurance quote.  If you are an existing client we may be able to place it with the same carrier as your other policies and get you a better discount.  


Umbrella Insurance


Umbrella insurance is an extra liability insurance. It is designed to help protect you from major claims and lawsuits and, as a result, it helps protect your assets and your future. It does this in two ways: Provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.  The Time Insurance Agency can help you determine if you need this, and if so what to include and the amount of insurance coverage needed.


We would love to hear from you. Please give us a call or let us schedule an appointment to go over your insurance needs.  We're located at 1405 East Riverside, Austin, Texas 78741. Visit our CONTACT page for directions. Or give is a call at 512-447-7773.  We're your local Austin independent insurance agency here to help you with all of your personal insurance needs!

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