Types of Coverage

Let us get you the right coverage

Protect yourself, your family, and others

Personal Auto Insurance

Texas requires all owners to carry auto insurance, and in the event of an accident, the financial impact of not having auto insurance can be devastating. If your budget is tight, we can provide low cost insurance to ensure you are covered and are driving legally. We offer a selection of auto insurance products from a variety of insurance companies that will satisfy your needs.

Some of the benefits of our personal auto insurance:

Credit and Non-Credit Scoring Plans available
Liability coverage for property & bodily injury
Personal Injury Protection
Uninsured Motorist
Rental and Towing coverage available
Liability limits up to 100/300/100
Loan/Lease (Gap Insurance) coverage available
Stated Value coverage up to 100K
Convenient payment plans

Personal Auto Insurance Discounts and Credits:

Credit and Non-Credit Scoring Plans available
Multi-Car Discount
Customer Loyalty Discount
Home & Auto Discount
Responsible Youthful Driver Discount
Deductible Credits
Student Away at School Credit
Driver Education Credit

Commercial Auto Insurance

Our commercial auto program is specifically designed for your business, depending on your needs and your budget. Specializing in commercial auto gives us the ability to offered a number of different insurance carriers, by shopping the most cost-effective solution for your commercial auto insurance needs. Commercial vehicles covered include cars, SUV’s, pickup, trucks, vans, heavy trucks, tow trucks, dump trucks, tractor trailers, etc.

Choosing the right auto insurance for your business:

Unlimited radius
Liability limits up to $10,000,000
Physical damage, Cargo coverage, Trailer Interchange, General liability, Excess, and many others available
Direct bill or Financed

Homeowners Insurance

Let us get the right coverage to protect your house and personal property. As independent agents, we can select the right insurance coverage to suit your needs, and your budget. You’ve worked hard for what you have, let us help you protect your assets by helping you select the right homeowners insurance today.

Homeowners insurance can also protect you from theft and other unanticipated problems, including:

Lightning
Windstorm and hail
Hurricane
Tornado
Fire & smoke damage
Damage caused by freezing temperatures
Accidental overflow/water damage from water leaks / plumbing
Accidental electrical damage to home appliances
Damage by vehicles and more…

Our Homeowners policy provides coverage for:

Personal liability
Loss of use
Personal Property
Detached Structure and more…

Renters Insurance

Renters insurance is essential for anyone living in a residential rental property: You never really know what could happen to your rental property when you are away from home. Your landlord’s coverage will only take care of any damage incurred to his property, and will not cover any of your possessions. Therefore, in the event of a theft, fire, flood, tornado or any other natural disaster, you would not be covered and will not be compensated ifor any loss. Getting the best and most cost effective renters insurance quotes is quick, easy and free. Insurance Leader’s renters insurance program is designed for those individuals who rent a home or an apartment and need insurance coverage to protect their personal property as well as provide liability or medical payments coverage available with standard homeowners policies.

Our Rentrs policy provides coverage for:

Lightning
Personal property coverage up to $50,000 available
Scheduled personal property, not allowed
Contents located in commercial structures other than apartment buildings, not covered

Residential Flood Insurance

Insurance Leader provides residential flood insurance, covering losses to property (up to $250,000) caused by flooding. From structural and mechanical damage to flood debris cleanup and floor surfaces (such as tile and carpeting), a home or condominium is protected by a flood insurance policy, something that a homeowners policy does not offer. In addition, up to $100,000 of seperate coverage can be purchased that insures most personal property, up to a specified limit, including:

Make sure you are covered properly before the next flood season.

Clothing
Furniture, housewares, bedding
Decorative items, lamps and lighting fixtures
Books, home electronics, computers
Area rugs and draperies
Clothes washers and dryers
Air conditioners and more…

Commercial Flood Insurance

Insurance Leader offers the same type of property and contents coverage for non-residential or small business property. Just a few inches of water can cause thousands of dollars in flood damage; enough flood damage to prevent nearly 40% of small businesses from ever reopening their doors. Between 2006 and 2010, commercial flood damage insurance claims averaged about $85,000. Without commercial flood damage insurance, most small business owners are not be able to afford the renovation costs required to reopen their businesses. Our experieced agants are standing by to help you find the best solution for your commercial flood insurance. Not being tied to one particular company allows us to provide you with a variety of solutions, depending on your needs and your budget.

Best protection for your business and hard work.

Building limits up to $500,000
Contents coverage up to $500,000

Business Insurance

Leader Agencies can provide business insurance to cover your business needs. Business insurance can be purchased to cover casualty, liability, workers compensation, business interuption, health, life and disability, or any other risk your business faces. Policies can be created to cover your unique needs, or lumped together with commercial building or commercial auto insurance, etc. Our experienced agents will provide the advice and expertise you needs to help you decide what types of coverage you will need for your business insurance. Our experienced agents will provide the advice and expertise you needs to help you decide what types of coverage you will need for your business insurance.

A fully comprehensive way to cover all your business insurance needs

Business property — Protect your premises.
Business liability — Guard your assets against lawsuits.
Business owners policy — Roll both liability and property coverages into one convenient plan.

Building Insurance

Commercial buildings are the most targeted when it comes to theft and vandalism, and the risk of lawsuits. Businesses need to protect themselves against these problems by getting the commercial building insurance. To reduce the cost of coverage, many businesses choose a commercial building insurance that provides cash value coverage. However, in the event of a disaster, you might be wise to pay the higher premiums to obtain replacement coverage. With replacement commercial building insurance, you will receive the full cost of replacing the building and all of its contents. If you choose the cheaper option, you will only be compensated with the value of the property and its contents at the time the damage occurred. We recommend replacement coverage but, that will depend upon your budget and our agents will work with you to determine what is best for your circumstances.

Insurance Leader offers building insurance from various insurance providers and is therefore, able to find the right policy to fit your needs and your budget. Commercial Building Insurance can include the following:

Business liability — Guard your assets against lawsuits.
Business property — Protect your premises.
Business owners policy — Roll both liability and property coverage into one convenient plan.