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Chances are you're spending hundreds, maybe thousands of dollars on auto insurance every year. When you stop to consider what a sizable part of your budget is spent on auto insurance, it makes sense to spend some time learning the basics. While not a detailed explanation of your auto insurance coverages, this guide is designed to help you make informed coverage decisions. Please check your policy for details of the coverage you have.

As a business owner, purchasing the appropriate commercial insurance policy is critical to protecting your company's assets and ensuring its continuing viability. Property casualty insurance protects business from financial loss due to unforeseen circumstances including property damage and liability, thus mitigating the risk involved in running a business. Commercial Auto Insurance is very similar to a much more familiar Personal Auto. It provides both liability coverage and optionally physical damage (comprehensive and collision) coverage.

A Standard Flood Insurance Policy is a single-peril (flood) policy that pays for direct physical damage to your insured property up to the replacement cost or Actual Cash Value (ACV) (see “How Flood Damages Are Valued”) of the actual damages or the policy limit of liability, whichever is less. 1. Contents coverage must be purchased separately. 2. It is not a valued policy. A valued policy pays the limit of liability in the event of a total loss. For example: Your home is totally destroyed by a fire and it costs $150,000 to rebuild it. If your homeowners insurance policy is a valued policy with a $200,000 limit of liability on the building, you would receive $200,000. Flood insurance pays the replacement cost or ACV of actual damages, up to the policy limit. 3. It is not a guaranteed replacement cost policy. A guaranteed replacement cost policy pays the cost to rebuild your home regardless of the limit of liability. For example: Your home is totally destroyed by a fire and it costs $200,000 to rebuild it. If your homeowners insurance policy is a guaranteed replacement cost policy with a $150,000 limit of liability on the building, you would receive $200,000. Flood insurance does not pay more than the policy limit.

Health Insurance is not only a necessity, it is a Law. Under Affordable Care Act, all Americans must purchase health insurance, unless you are qualified as an exempt. Anyone who does not purchase health Insurance during open enrollment period, which starts November 1st of every year, may be penalized by IRS. Families or Individuals who are below 400% of poverty level, qualifies for premium tax credit and/or reduction in cost sharing depending on the income. We at Zoom Insurance can help you get coverage On Exchange, Market place, or Off Exchange, either way we have you covered. Do you know all plan premiums are fixed by Law, this means you can't find a better price for similar plan anywhere, GUARANTEED! Zoom Insurance have made it simple to SHOP, COMPARE AND BUY Health Insurance from the comfort of your home. Please click desired quote button, you will be redirected to our sister website Texas Health Markets, where you can SHOP, COMPARE AND BUY Health, Dental, Visitors, and Short Term Health from multiple carriers.

There are several different types of life insurance, all with a common purpose to protect your loved ones from bearing a large financial burden in the event of your premature death.Your needs will change throughout your life, so it's important to understand the basics, and periodically review your coverage to ensure that it's still right for you.There are two basic types of insurance — temporary insurance , which includes Term Life and Group Life, and permanent insurance , which includes Whole Life, Universal Life, and Variable Universal Life. If you purchase life insurance, when you die the insurance company will pay a death benefit to the beneficiary or organization named in the policy. (In the case of temporary insurance, your death must be during the policy term.)The choice between temporary and permanent insurance will depend upon your personal goals and objectives.

Whole Life insurance combines the security of lifetime insurance protection with the advantages of tax-deferred cash accumulation.In addition to providing a death benefit, Whole Life policies also guarantee that premiums will remain level throughout the life of the policy. This allows owners to build the cost of their coverage into their long-term financial plans.People who purchase Whole Life generally want to ensure that when they die, money will be available to pay final expenses, fund college costs, pay estate taxes, care for an elderly parent, or simply allow loved ones to maintain their lifestyles.

Term Life is one of the simplest, most cost-effective types of life insurance. Generally, it provides the largest immediate amount of protection for the lowest cost.With Term Life, your beneficiaries are paid the entire amount of your policy (subject to your policy's provisions) if you die during the term, which is typically from 5 to 30 years.People who purchase Term Life generally have a substantial need for insurance protection during a specific period of time. They may be young and have growing families, and need temporary protection now with the option to convert to permanent coverage later.Ask your agent to compare rates from some of the country's top Term Life insurance providers. Group Life insurance is typically offered as an employee benefit. Premiums under group policies are generally lower for younger employees, and higher for older ones.In addition to employers, some membership organizations such as unions and alumni clubs also offer Group Life insurance plans.

Umbrella insurance ins't just for the rich. Whether it's a serious at-fault auto accident or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners, renters or boat policy. And an expensive judgment is the last thing you want to worry about. An umbrella policy can help protect your assets and provide additional insurance protection.

Wedding and Wedding Reception Insurance Program A Liability Insurance Program Providing Protection from Lawsuits of Bodily Injury and/or Property Damage (Host Liquor Included) You've fallen in love, and now you want to celebrate that love with your friends and family. You want to be unique and commemorate your wedding with an incredible party for your friends and family, who love and support you and your partner. What happens when someone gets hurt, and your wedding celebration turns into a financial and emotional strain on your guests? It may seem unnecessary now, but insuring your wedding can help guarantee that your special day will leave you with pleasant, loving memories of your wedding. Your wedding can be the happiest day of your life. Months of planning mean that you should enjoy the wedding of your dreams. You may have made all the arrangements for your forthcoming wedding, or you could still be in the planning stages for the big day. Whatever your circumstances, Zoom Insurance can help you protect your family and friends during your celebration. Hopefully your wedding day will take place with no setbacks, but unfortunately, accidents do happen. Whether you are looking for one-day liability coverage or a three-day package, Zoom Insurance offers quality insurance with the lowest possible premium cost to you. Our firm understands the financial demands that a wedding places on a bride and groom, and their families. We want to make sure the financial stresses are over with the wedding. Protect your loved ones from the emotional and financial burden that one can incur as the result of a loss or injury. Zoom Insurance offers specialized insurance for your wedding, from the number of guests you plan to have at your wedding, to the day-after brunch, our unique program is affordable and unmatched in the insurance industry.