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Our Frequently Asked Questions

Get the Insurance Policy You Need

We specialize in homeowner’s and renter’s insurance, business, and automobile insurance for clients throughout San Marcos, TX. With over two decades of experience in the industry, we are one of the region’s top insurance agencies. Integrity Insurance Solutions is a Trusted Choice Agency and a Certified Insurance Counselor and Risk Manager. On this page, we present answers to some of our most frequently asked questions we hear from our clients. Please contact us for a free quote on your homeowner, business, or automobile insurance today.

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Why should I buy insurance from an agent when I can get a quote and buy a policy online directly from an insurance company?

An agent is there to provide personalized service to the policyholder. Your insurance agent is there to act as an advisor, to explain the various types of coverage, and make recommendations based on your unique needs. This direct contact is important when you are trying to make an informed decision about your coverage, but it is especially helpful in the event you need to file a claim. This is an emotional and stressful time for most policyholders, and having a local agent or customer service representative to talk to can make a difficult time a little more bearable.

What factors can cause my automobile insurance premiums to go up or go down? 

Several factors can affect the cost of your automobile insurance, not all of which are within your control. The type of car that you drive, where you park it at night, and how you use the car can all be factors, as well as your driving record. Even whether or not you are married can affect your premium. Studies have shown that married people tend to have fewer and less costly accidents than do single people.

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What exactly does my homeowner’s insurance cover?

Most typical homeowners’ policies are divided into two main sections: Section I covers the property of the insured, and Section II provides personal liability coverage for the insured. Almost everyone who owns or leases property needs this type of insurance. Homeowners insurance is often required by the lender in order to approve a mortgage loan.

What is a personal umbrella policy?

The purpose of a personal liability policy is to increase your liability protection. This policy provides an extra layer of liability coverage over your existing liability policies — auto, home, RV, watercraft, etc. In certain situations, your umbrella policy may even provide personal liability coverage that is excluded under your other liability policies.