Personal Insurance

Personal lines insurance is a category of insurance that protects individuals. Purchasing the correct amount of insurance is the most important step in protecting yourself, your family and your assets. At Consolidated Insurance Markets, our agents are dedicated to helping families find peace of mind by knowing they’re covered in case of disaster. Life can throw a lot of unexpected accidents your way. While you may not be able to avoid them, you can ensure that you have the means to recover.

Personal Lines Insurance Frequently Asked Questions

– What are the types of personal insurance?

Personal lines insurance refers to any insurance policy that covers an individual rather than a company. This includes life insurance and health insurance. Other types of personal insurance include:

• Home Insurance
• Auto Insurance
• Renters Insurance
• Personal Umbrella
• Flood Insurance

– What are casualty lines of insurance?

Casualty insurance refers to several property and liability coverages, including homeowners general liability.

– How much is personal lines insurance?

The cost of personal lines insurance depends on specific coverages and other factors. You may pay an average of $1,945 a year for homeowners insurance in Texas. Auto insurance costs an average of $934.22 a year in Texas. Fill out an online quote form to discover how much personal lines insurance will cost for you.

– What does personal lines insurance cover?

Personal lines insurance covers casualty insurance and personal insurance. This includes liability insurance in the event you cause bodily injury or property damage, lawsuits and property coverage for your home, vehicle and belongings. Umbrella insurance is additional liability for when your other liability policies reach their maximum.

– Why is personal lines insurance important?

Everyone should invest in personal lines insurance, as it protects you against disasters, accidents and lawsuits. Fixing damage due to floods, tornadoes or vehicle accidents can be incredibly expensive. Not everyone has enough money to repair or replace items out of pocket, and you don’t want to go into debt because of one event.

Manufactured Home

Manufactured home insurance, also known as mobile home insurance, is a type of coverage designed specifically for factory-built homes that are transportable and usually placed on a rented or leased lot. Unlike traditional homeowners insurance, manufactured home insurance policies take into account the unique characteristics and risks associated with these types of dwellings. These policies typically provide coverage for the structure itself, personal belongings, liability protection, and often include additional endorsements or riders to cover risks such as wind damage, flood, and other perils that may be more common in areas where manufactured homes are prevalent. Manufactured home insurance is crucial for protecting these types of residences, which can be more vulnerable to certain hazards due to their construction methods and mobility.

Restaurant

Oil & Gas

Motorcycle Insurance in Flower Mound, TX

Serving Texas Motorcycle Owners Since 1999

Owning a motorcycle can be a source of pride, and maintaining one can be a rewarding and engaging hobby. Whether you’re a seasoned rider or a novice, motorcycle insurance can provide financial protection against various perils.

What Is It?

Motorcycle policies are specifically designed to protect motorcycle owners and riders from financial losses due to accidents, theft or other unforeseen events. It works similarly to auto insurance but is tailored to address the unique risks and needs of motorcyclists. Motorcycle policies typically include liability coverage, which may pay for damages or injuries you may cause to others in an accident, as well as coverage for your own bike and medical expenses.

What Coverage Should I Get for Motorcycle Insurance?

When choosing motorcycle insurance, it’s essential to consider the following types of coverage:

• Liability coverage may cover bodily injury and property damage you may cause to others in an accident.
• Collision coverage may pay for damage to your motorcycle resulting from a collision with another vehicle or object, regardless of fault.
• Comprehensive coverage may repair or replace your motorcycle due to fire, theft vandalism or collision with an animal.
• Uninsured/underinsured motorist coverage may provide financial aid if you’re involved in an accident with a driver who has insufficient or no insurance.
• Medical payments coverage may compensate for medical expenses for you and your passengers following an accident.
• Optional equipment coverage may cover custom parts, gear and other accessories added to your motorcycle.

How Much Does It Cost?

Rates are different for every bike and rider. Some factors that affect motorcycle insurance cost include your age, riding experience, location, type of motorcycle and coverage limits. Opting for higher coverage limits or adding additional riders can increase the premium. However, discounts may be available for bundling policies, completing motorcycle safety courses or maintaining a clean driving record.

Where to Buy Motorcycle Insurance

At Consolidated Insurance Markets, we understand the unique needs of motorcyclists and offer tailored insurance solutions to fit your budget and riding style. Contact us today to get a customized quote.

Liquor Liability Insurance

When selling or serving liquor is part of your business’s regular operations, you must account for many different risks and exposures. Alcohol can exacerbate situations or circumstances that may already have their own inherent risks. Even a well-trained company and staff may not be fully capable of preventing small problems from becoming significant incidents. Fortunately, acquiring the right insurance coverage can protect your company and limit your losses.

What Is Liquor Liability Insurance?

Liquor liability insurance is a type of business insurance tailored toward businesses that sell, serve or distribute alcoholic products. For such companies, this type of policy is an integral component of a suitable insurance portfolio.

By purchasing a liquor liability policy, your company can be covered for the following expenses:

• Medical bills—If an intoxicated customer causes a bodily injury after your company served them alcohol, you may receive financial aid if held liable.
• Property damage—This coverage provides assistance in the event your company is held liable after serving someone who causes property damage.
• Legal expenses—If a lawsuit forces you to acquire legal representation or imposes settlement costs, this coverage can help recoup your losses.

Who Needs Liquor Liability Insurance?

In general, any company involved in the creation, sales, distribution or serving of alcohol should consider liquor liability coverage. This includes the following:

• Restaurants
• Bars
• Grocery stores
• Liquor stores
• Caterers

Get the Right Coverage

Given the wide variety of businesses that serve alcohol as part of their regular services and operations, there is also plenty of variance regarding specific needs required within policies. Speak to one of our qualified agents to construct coverage that meets the needs of your business. Contact Consolidated Insurance Markets today to get started.

Limousine Insurance

Operating a limousine service can be lucrative and rewarding, but there is also plenty of potential for losses and damages. To protect your clients, employees, finances and future, you need a comprehensive insurance portfolio.

What Is Limousine Insurance?

The insurance needs of limousine services can be diverse and extensive and include the following:

• Bodily injury liability coverage—If one of your drivers is responsible for an accident resulting in bodily injury, this coverage is essential to help pay the resulting medical costs.
• Property damage liability coverage—If an accident for which you or your drivers are held liable results in damage to another party’s property, this coverage can pay for repairs.
• Collision insurance—This coverage may pay for repairs if your limousines are damaged in a collision with an object or another vehicle.
• Comprehensive insurance—This coverage protects your vehicles if they sustain damage via circumstances other than a collision, such as vandalism or severe weather.
• Uninsured/underinsured motorist insurance—This type of coverage provides aid if damage to your vehicle is deemed the fault of another driver, but they do not possess adequate liability insurance.
• Garage liability insurance—If your company’s operations include a garage or repair shop, this coverage can provide protection for bodily injury, property damage or employee dishonesty occurring there.
• Workers’ compensation insurance—This coverage is critical if a driver or other employee is injured on the job and can help pay for resulting medical expenses, lost wages or restitution.

Get the Right Coverage

Limousine services must account for many different risks and scenarios throughout daily operations. Severe losses and damages can result from even everyday situations. Fortunately, adequate insurance coverage can provide your business with the financial protection it needs.

Contact Consolidated Insurance Markets today to learn more about limousine insurance packages and to get a quote.

Watercraft & Boat Insurance

Boat Insurance in Fort Worth, Denton & Frisco, TX

Serving Texas Watercraft Owners Since 1999

Insurance for Boat Owners Across Texas

Taking out on the water is a great way to spend the weekend, but owning a boat also comes with a certain amount of responsibility—both for your passengers and others on the water. Even when your boat is docked for the winter months, you will want the water vehicle protected in case of a storm or accident while you’re away.

Consolidated Insurance Markets works with boat owners to identify risks and tailor policies specifically for their needs. Representing Nationwide Insurance, our insurance professionals work hard to bring you comprehensive coverage and high quality customer service.

What Does Boat Insurance Cover?

Boat insurance policies may include coverage such as:

• Physical Loss or Damage: Physical loss and damage covers your boat in case of fire, wind, hail, explosions, lightning, theft, vandalism and more.
• Liability: Liability insurance covers bodily injury and property damage you may cause to someone else while operating the insured vehicle.
• Guest Passenger Liability: Guest passenger liability covers you for damages and injuries someone else may cause while operating your boat with permission.
• Medical Payments: Medical payments coverage covers the medical bills for you and your passengers after an accident, no matter who caused the accident.
• Boat Accessories: Additional insurance is available for the permanently attached accessories on your boat or boat trailer.
• Loss of Personal Belongings: Many basic boat insurance policies don’t cover the personal items you leave on the boat. Thankfully, you can purchase additional coverage for your belongings in case they are damaged or stolen from the boat.

Will My Home Insurance Policy Cover My Boat?

A basic home insurance policy may offer limited coverage for your boat while it is in your driveway, but this isn’t enough to cover your entire boat. You should invest in a separate boat insurance policy to make sure you have coverage for yourself, your passengers and anyone else on the water.

Protect Your Boat

Cover your boat with a comprehensive boat insurance policy. Call Consolidated Insurance Markets at (972) 459-1995 or fill out an online quote form to get started today.

Common Boat Insurance Questions

How Much Boat Insurance Do I Need?

Every boat owner’s insurance needs are different. Speak with an insurance agent about insuring your boat for its total value today.

How Much Does Boat Insurance Cost?

Boat insurance premiums depend on your location, coverage limits, driving record, credit score, value of the boat and other factors. Fill out an to find out how you can save on boat insurance.

How Much Boat Insurance is Required by Law?

Boat insurance is not legally required by the state of Texas. Most marinas will require you to carry some form of boat insurance coverage, however, and it is important to protect your watercraft and all those around you in case of an accident.

Condo Insurance in Flower Mound, TX

Condo owners may not worry about maintaining an entire building, but you’re responsible for protecting what’s inside your walls. That’s where condo insurance can help. This policy picks up where your condo association’s master policy stops. It may cover your belongings, interior upgrades and liability against unexpected events that could lead to hefty out-of-pocket expenses.

Is Condo Insurance Worth It?  

Unlike homeowners insurance, which covers the entire building and property, condo insurance focuses on what’s inside your unit and areas not covered by your condo association’s master policy. It’s an essential safeguard against unexpected expenses like repairs, theft or liability claims that could arise in your living space.

This type of insurance is worth the investment for condo owners because it addresses gaps that a condo association’s master policy may not cover. If an incident damages your unit or someone gets injured in your home, condo insurance may prevent substantial financial losses.

What Does This Policy Cover?

Condo insurance typically provides three primary types of coverage:

• Personal property coverage may cover your belongings, like furniture, electronics and clothing, from fire, theft or other covered events.
• Dwelling coverage may cover the interior of your unit, such as flooring, countertops or built-in appliances, especially if you’ve upgraded these features.
• Liability protection may help with legal and medical expenses if someone is injured in your unit or if you unintentionally cause damage to someone else’s property.
• Loss-of-use coverage may pay for temporary accommodation, meals and other living expenses if your unit becomes uninhabitable due to a covered event.
• Medical payments coverage may cover minor medical expenses for guests injured in your condo.

Learn More

For expert advice on condo coverage options, contact Consolidated Insurance Markets today. Let our experts guide you in finding optimal condo insurance.

Disability Insurance

Disability insurance can help protect your finances if you suffer from an unexpected injury or illness that prevents you from working. With disability insurance, you may receive a portion of your income even after you can no longer work, whether for a short or long period. Learn more about disability insurance below.

Short and Long-Term Disability Insurance

There are typically two types of disability insurance: short-term and long-term disability.

• Short-term disability coverage can help replace income immediately after a covered person experiences a disability. There is typically a specific amount of time of injury or illness that a short-term disability policy will cover.
• Long-term disability insurance helps provide income if the disability lasts for years. With long-term disability coverage, there may be a more extended grace period between the illness or accident and when you begin receiving payments.

Who Needs Disability Insurance?

Any employee who depends on their income from work to pay bills may benefit from having disability insurance coverage after an accident or illness prevents them from continuing with their job.

How to Get Disability Insurance

You may have several choices for disability insurance coverage, including group coverage through your employer, short-term disability insurance, long-term disability insurance or supplemental disability coverage.

Contact Consolidated Insurance Markets today to learn more about this essential coverage and get a quote.