Home and Auto

When you request a quote from Insurancemakesmesick.com, it is helpful to know which policy form you have or want. 
(See policy types below)

We sell several types of policies in Texas, each with a different level of coverage. The three forms available for sale in Texas are HO-A, HO-B, and HO-C This means the policy language and coverages provided by these policies are the same, regardless of the company writing the policy. Although an HO-B policy written by one company will be exactly the same as an HO-B policy written by another company, the two companies may charge different rates.

Following is a brief description of the types of policies sold in Texas:

HO-A policies provide extremely limited actual cash value coverage of your home and its contents. Only the types of damage specifically listed in the policy are covered. The HO-A is a standardized Texas policy.

HO-A amended policies provide more extensive coverage than the base HO-A policy but less coverage than an HO-B. HO-A amended policies are not standardized. Coverage provided by these policies may differ by company.

HO-B policies provide replacement cost coverage for most types of damage, except those specifically excluded in the policy. The HO-B is a standardized Texas policy.

HO-C policies provide the most extensive coverage, but they are more expensive than other types of policies. The HO-C is a standardized Texas policy.

When you request a quote with Insurancemakesmesick.com you have the peace of mind knowing we have your best interest in mind.

Your car is one of your most valuable assets. It is also one of the most dangerous, in terms of the harm it can cause. An accident, particularly if it’s your fault, can devastate your financial security.

Bodily Injury Liability -- Pays the medical and other expenses for people injured  in accidents you cause.

Property Damage Liability -- It covers the damage your car causes to property. Usually, other cars involved in the accident, but it also covers damage you do to any object you hit.

Collision -- This is for damage done to your car when it collides with other vehicles or other objects.  You choose your deductible, usually $500, but other options are available.

Comprehensive -- This covers damage to your car that results from something other than a collision with another vehicle. Such as theft, fire and vandalism.  You can also choose your deductible for this coverage.

Uninsured Motorist Coverage-- It pays for injuries if you're hit by a driver who doesn't have insurance.  In Texas where insurance is mandatory, there are drivers  who don't have insurance.  

Personal Injury Protection -- It is also known as "P.I.P."  insurance. Allows for you to collect lost wages, medical & funeral benefits up to a maximum of $10,000 per family member or other passengers, regardless of fault.  

Rental Car Reimbursement -- It reimburses you for your rental car when your car has been damaged in an accident.  

Towing -- It reimburses you for towing charges when your car breaks down.