Paragon - Woodlands, TX Office

Every year, thousands of drivers and homeowners struggle to find the policy that will work for them. Sometimes cutting through insurance company jargon--and sorting through all the different companies, each with different policy options--can seem like more work than getting your driver's license or purchasing your first home was in the first place. You know you can compare quotes online, but... where to start?

Need to know: Car Insurance

In April of 2013, minimum auto insurance requirements in the state of Texas increased. Texas drivers are now required to have at least $30,000 worth of insurance for each injured person up to $60,000 per accident, as well as $25,000 of property damage insurance per accident.

But just opting for the cheapest policy that meets State of Texas minimum requirements isn't smart. All add-ons aren't necessarily worth the money, but the following add-ons are smart investments that could save you thousands in a worst-case scenario.

• Uninsured Motorist: Protects you if a driver without insurance causes personal injury or damage to your vehicle.
• Roadside Assistance: Usually just a few extra dollars a month, roadside assistance guarantees you a tow, help if you lock your keys in the car or if your battery goes dead, or help putting on a spare if you end up stranded.
• Personal Injury Protection: This type of insurance covers you in case you're injured in an accident and hospital bills go over the other driver's insurance limit. This also covers you in no-fault cases; without it, you'll end up paying the bill out of your own pocket.

Need to Know: Home Insurance

To find the best property insurance for your home, your best bet is to talk to an independent agency to get an idea of the type of insurance you need for your home in The Woodlands. Depending on the specific location of your property, your agent may recommend different combinations of add-ons, including flood or fire insurance.

You don't want to get caught without adequate insurance--so take the time now to compare quotes with Paragon Independent Insurance Agencies and find the best option to keep your home safe.