insurance consulting - Timely Group

Insurance Consulting…

Licensed and authorized for life, health and P & C insurance in the State of Texas, United States.

We’ll advice you on the most appropriate life, health and P & C insurance coverage that meets your needs.

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Below are some of the insurance coverage that may appeal to your needs…

Life Insurance.

There are a variety of life insurance policies you can choose from to take care of your loved ones when needed most. There are life policies that can help with mortgage payment, college fees payments and or debts payments as well as those that help secure the future of your family such as a term life, whole life or universal life policy. You’ll definitely find a life policy options that meet your needs and budget.

Get in touch with us today, and we’ll help you get started after you complete a life insurance online quote.

Health Insurance.

As we age and experience changes in our lives, so does our medical and health needs. Thus, there’s need to have an up to date health insurance coverage that meets our needs. We’ll advice you on how to obtain the right policy for health insurance in Texas. You can have access to a variety of affordable supplemental health, Medicare supplement, or individual medical coverage plans.

Property & Casualty (P & C) Insurance.

Basically, this refers to various forms of insurance policy that help protect you and your physical property such as your home, car, businesses and circumstances where you’re found responsible for an accident that causes injuries to another person or their properties.

Note that while P & C insurance primarily protects your physical property and liability for damages to other people and their belongings, it does not generally include health or life insurance.

There are 3 kinds of property insurance coverage you can obtain under P & C insurance policy:

Replacement Cost: This covers the repair or replacement of the lost or damaged property.
Actual Cash Value: This compensates the owner for the current market value of the lost or damaged property, which may be less than the cost to fully replace the insured items.
Extended Replacement Cost: This covers payment to the recipient more than the coverage limit, where costs of construction, repairing and rebuilding the damaged property has risen far above the original price paid for the item.

The following insurance coverage will also come under Property & Casualty Insurance. However, you can also obtain each one of them as a separate policy.

Auto Insurance

This can help protect you if your car is stolen or you get involved in an auto accident. With the payment of an insurance premium, the insurance company will compensate you for the losses that are covered in your auto insurance policy.

Auto insurance policies usually cover:

Property damage.
Liability for others.
Medical Expenses.

Home Insurance.

Homeowners insurance helps protect your home from damage, theft, or vandalism. The Standard policy usually covers the structure of the house and the belongings inside, and it may also include liability coverage to protect anyone that may get hurt at your home and help pay their medical expenses.

Basically, homeowners insurance will cover the following:

Damage caused by natural disasters, including fire, hurricanes, hail, and lightning. Note: It doesn’t cover natural disasters like Earthquakes and floods. However, it is possible to get a separate policy that specifically covers flood damage.
Water damage.
Detached structures like garages and tool sheds.
Personal belongings, like furniture, clothes, electronics, and equipment.
Damage caused by pets.
Additional living expenses for time away from home due to damage.
Bodily injury to another person or damage to their property while in your home.