Three reasons why everyone should have ID theft protection

Shell Insurance Agency is here to serve the insurance needs of the Deer Park, TX community. If you have questions about ID theft insurance and how it can help to protect you, we are here to answer them. Call our office or stop by today to find out more.

Top reasons why you should have ID theft protection

  1. ID theft insurance is an effective way to avoid serious financial problems. When your ID is stolen, it can lead to a lot more headaches than just having your accounts changed. Hackers typically use the data they steal to open credit accounts and mortgages. Protecting yourself from this financial risk is smart in today’s environment. 
  2. You can maintain tighter control over your data and information. It can feel like a challenge to successfully protect your privacy and personal data in today’s online world. With an ID theft protection policy, you can access the resources necessary to keep your personal data and online information safe. 
  3. It is an effective way to protect your credit profile and score. We all know how important a healthy credit score is to obtain a loan or open a credit card account. Ensure you have the protection you need to keep a strong credit score. An ID theft policy can alert you to unusual activity before it becomes a problem. 

Contact us today!

If you live in the greater Deer Park, TX area, Shell Insurance Agency is here to help with all your insurance needs. Most people spend a lot of time online and protecting your data, and privacy only makes sense! Give our office a call today and learn more about this important type of insurance. 

Four Add-ons to Consider For Your Auto Insurance

Auto insurance can be such a life-saver when involved in an accident. It protects you and your vehicle when life serves you with lemons. While standard auto insurance works, sometimes it can fall short. For this reason, Shell Insurance Agency in Deer Park, TX advises clients to consider “add-ons” to boost their basic car insurance. But since there are several add-ons to consider, we have narrowed them down to four that are well worth your cash.

Umbrella Insurance

Are you a high-net-worth individual? Are you at a high risk of being sued? If yes, consider umbrella insurance. This policy takes over from where your conventional liability coverage leaves off. Your car liability coverage will likely max out if faced with a significant liability claim. In such instances, umbrella insurance takes over, preserving your assets and personal savings.

Roadside Assistance

Do you frequently travel long distances? Your auto insurance could use a roadside assistance add-on. This coverage saves the day when your car breaks down miles away from your residence. So, when you encounter a flat battery, puncture, or empty tank, you don’t have to make frantic calls to your friends and relatives. You need to call your insurer for help.

Zero depreciation cover

You should consider this coverage if you own a vehicle over three years old. If your car is stolen or written off after an accident, your insurer compensates you for the loss, less the depreciation factor. If you want to buy a vehicle similar to the one you have insured, you will have to fork out the difference from your pocket. However, you can cushion yourself from depreciation by purchasing “zero depreciation” coverage.

Engine protect coverage

Your standard auto insurance only covers engine damage when a covered peril destroys it; in case of an oil leak or water logging, you must purchase an add-on to cover the damage.

Would you like to learn more about car insurance? Please reach out to Shell Insurance Agency, serving Deer Park, TX, and its surrounding area.

Can FEMA Re-map Your Town?

You bought a home that doesn’t sit in a flood zone, but when FEMA updated its flood maps, you received notice that you do own a home in a flood zone. Here’s how to handle that problem.

Shell Insurance Agency knows that your Deer Park, TX home means a lot to you. That’s why you insure it. When you purchased your home, it may not have appeared in a flood zone on any map. However, the Federal Emergency Management Agency (FEMA) conducts regular research in the area of floods and updates the US flood maps accordingly. Your community can also decide to re-visit the flood maps and update the flood zones.

FEMA and Community Agencies Can Re-map

When the agency updates the flood maps for Deer Park, it can result in your home and others moving into a flood zone that requires federal flood insurance. Typically, this occurs due to a flood or series of flash floods striking the area.

Re-mapping causes homeowners who previously did not need to purchase flood insurance to need to do so. The Agency requires this to ensure that each homeowner can repair or rebuild after a flood, since homeowners’ insurance does not cover flood or rising water damage.

Updating Your Insurance Coverage

While it’s rare that this occurs, it can happen. Shell Insurance Agency can help you obtain flood insurance locally. Our insurance policies meet the requirements of the National Flood Insurance Program (NFIP), which works in conjunction with FEMA.

Let us help you properly insure your Deer Park, TX home against flood. Contact us if you find that either FEMA or your community updated the flood map for Deer Park and your home or business now falls within a flood zone that requires coverage.

Stay Protected With Home Insurance

It’s essential to keep your home protected from as many risks as possible, and home insurance can help you to do just that. This type of insurance comes with many types of coverage that lend you protection in different ways. When you own a home, keep a home policy to protect yourself. Call us at Shell Insurance Agency in Deer Park, TX to get started if you don’t have a home policy. 

Protection for the Home

The house you live in likely represents your most significant investment. It’s always a good idea to have that investment well-protected with home insurance. In most cases, homeowners must have home insurance from either their lender, association, or both. Even if neither applies to you, it’s never a good idea to be without home insurance. It can pay for the repairs needed after a serious event damages your home.

Protection for Your Possessions

When you have home insurance, it also protects your belongings. It gives you coverage for all your possessions on your property in case of a serious incident that destroys them. This is important coverage to have when you consider how much your things are worth and how much it would cost to replace them. 

Liability Protection

Another type of coverage in a home policy is protection for your liability for accidents. If someone had an accident on your property, this coverage could pay for the medical bills that result from that accident so that you won’t have to. 

Get Your Home Protection

It would help if you had a home insurance policy to protect your home, possessions, and finances. Call us today at Shell Insurance Agency in Deer Park, TX to get started with a policy of your own. 

Essential Steps to Protect Your Identity from Thieves

When you purchase ID theft insurance from Shell Insurance Agency, you probably hope you’ll never use it. Things happen in Deer Park, TX, just as they do in the rest of the US, so taking careful preventative measures helps you avoid needing to file a claim.

Using the advice from the US government and identity theft expert Frank Abagnale, we’ve put together this quick list of precautions to help you keep your identity safe.

  1. Keep your Social Security card in a safe place, such as a safe or safety deposit box, stored with your other critical identifying documents. Don’t carry your number with you; memorize it. Only provide your Social Security number when necessary.
  2. Avoid sharing personal information, such as your birthdate or bank account number, unless you must for an application or payment.
  3. Use a credit monitoring service like Lifelock or Experian Dark Web Scan + Credit Monitoring monitors the three major credit bureaus – Transunion, Equifax, and Experian. The service needs to notify you in real-time of an identity compromise.
  4. Use a micro-cut shredder to credit offers, shred receipts, account statements you still get on paper, and expired credit cards so no dumpster diver can access your personal information.
  5. Collect your mail daily and put delivery on hold when you go out of town.
  6. Know your billing cycle date and contact your bank or creditor if your statement doesn’t arrive on time.
  7. Compare your receipts with your bank statement and credit card statements to balance your accounts and catch unauthorized transactions.
  8. Review all three of your credit reports annually to check for incorrect information, especially accounts you don’t recognize. You can get a free credit report from
  9. Always use a credit card, so you use the bank’s money, not your own. Credit cards protect you from unauthorized charges. You typically only have liability for $50.
  10. Avoid using debit cards since they provide a bank account gateway. Examine any ATM or gas station pump card reader carefully before using it. Skimmer attacks place an artificial card reader over the legitimate reader to steal your card number, then your cash.
  11. Activate all of the security features on your smartphone and other mobile devices.
  12. Create passwords you can remember that an identity thief would find difficult to guess or hack. At a minimum, you should use a different password for each website. Each should consist of at least one uppercase letter, one lowercase letter, one digit, one special character when allowed, and not more than three repeating characters. Typically, each password must consist of at least eight characters.
  13. If a company with which you do business experiences a security breach, change your password for their site.
  14. Install virus-detection software, malware detection software, and a firewall on your home computer, tablet, and smartphone.
  15. Use a virtual private network (VPN) when using public Wi-Fi. Also, update your firewall settings before signing onto public Wi-Fi.
  16. Freeze your credit files with the credit bureaus, Innovis, and the National Consumer Telecommunications and Utilities Exchange if you know you don’t need to apply for a loan or a credit card. The freeze prevents costs nothing and stops anyone from being able to apply for credit or utilities in your name.

If you don’t already have ID theft insurance, contact Shell Insurance Agency serving Deer Park, TX. Let us help you protect your identity.

Filing a Non-accident Auto Insurance Claim

When you need to file a claim on your auto insurance that does not involve an accident, call your agent at Shell Insurance Agency serving Deer Park, TX, first. We’ll guide you through the process, beginning with whether the policy you purchased covers the item you want to file a claim on.

If you purchased comprehensive or collision insurance, you pay a deductible. If your repairs cost less than the deductible, your insurance won’t pay for anything. If it costs more than the deductible, once you’ve paid the amount of the deductible for the repairs, your insurance kicks in if you file a claim.

What does collision insurance cover?

Typically, if you hit a deer or another animal and it damages your vehicle, your collision covers that. It takes care of repairs to your vehicle from single-vehicle accidents, just as it does in cases of multiple vehicle accidents. Other examples include hitting a mailbox, the closed garage door, a fence, etc.

What does comprehensive insurance cover?

If a named peril damages your vehicle, such as a flood or tornado, your comprehensive coverage handles the repair costs. It also covers theft, damage by another individual to your vehicle during acts of civil disobedience or disorder, vandalism, windshield or window damage, fire, and falling objects. This type of coverage also frequently includes a deductible requirement, so if your repairs cost less than the deductible, you won’t need to file a claim because your insurance would not pay anything.

Filing a Claim with Your Carrier

At Shell Insurance Agency, we write policies underwritten by 30 insurance companies. Each company offers its own online interface for filing a claim and phone number for verbally filing a claim.

  1. Visit our carriers page to find your insurance carrier.
  2. Phone the toll-free number listed for your carrier if you want to file a claim by phone.
  3. Click on the link provided for your carrier’s “File a Claim” website.
  4. Choose from individual or business insurance claims.
  5. Follow the prompts for the insurance company to provide all needed information. In most cases, you’ll need to upload photos of your vehicle’s damage and provide at least one quote from a licensed, certified repair technician on repair costs.

Contact Us

Contact Shell Insurance Agency serving Deer Park, TX as soon as your vehicle incurs damage. Let us help you make the most of your auto insurance coverage.

Understanding flood insurance

If you live in the greater Deer Park, TX area, you may wonder if flood insurance is something you need. Fortunately, the team here at Shell Insurance Agency is here to answer all of your questions!

What you need to know about flood insurance

Many people are unsure if flood insurance is something that they need. The answer is an easy yes in some situations, as their home or business is located in a flood plain or their lender requires them to carry such coverage. But in situations where it is a little less cut and dried, you may wonder if flood insurance is something that you should have.

The first thing to understand is that water damage coverage is typically classified by the cause of the damage. For example, your homeowner’s policy may cover the damage caused by a broken pipe but does not provide protection against damage caused by excessive rain or another natural cause.

First, it makes sense to take a close look at your homeowner’s policy to understand what protection it offers for different types of damage. Next, sit down with a local agent who understands your area and the need for flood insurance at your home or place of business. 

Learning about the options you have available to protect your property can help you make the right choice for flood insurance.

Find out more today!

Shell Insurance Agency is your source for insurance in the greater Deer Park, TX area. We are proud to serve the insurance needs of our community and look forward to working with you too. If you would like to learn more about the flood insurance options available in our area, call or stop by today.

Does My Standard Homeowner’s Insurance Policy Cover Outbuildings?

If you have a detached garage or a stand-alone shed in your backyard, you may be wondering if your standard homeowner’s insurance policy covers these outbuildings. Fortunately, most home insurance policies cover outbuildings that are separate or detached from the primary building.

Coverage Basics

If your property has a shed, gazebo, guest house, pool house, deck, or fence, these structures are called outbuildings and have the same insurance coverage as the primary home. However, it’s wise to check just how much protection these buildings have.

For example, if you have outbuildings on your property for business purposes, your primary home insurance policy may not cover any damage to these buildings. In some cases, you need to buy additional coverage for outbuildings you use for a business.

Know the Risks

Most standard home insurance policies cover damage for risks like theft, fire, or other named perils, including the risks to external structures. However, these buildings have the same coverage as the primary building. So, it’s essential to check how much coverage you have – especially if you have high-value structures on your property.

Examine Coverage B of Your Homeowners Policy

Coverage B of your home insurance policy details how much protection you have for detached structures. Knowing which outbuildings aren’t covered under your standard policy is also vital. For example, some policies don’t cover detached structures used for agricultural purposes. And, any outbuilding you use for rental purposes – like renting a guest house – might not have the same coverage as other detached structures.

Contact our team of insurance professionals today at Shell Insurance Agency in Deer Park, TX to find out more about outbuilding coverage on your standard homeowner’s insurance policy.

Is ID Theft Insurance Worth It?

It seems that data rates are increasing at an alarming rate. Therefore, you have to be smart about keeping your identity safe. For this reason, more and more people in Deer Park, TX are making a smart investment in ID theft insurance.

What Is Identity Theft Insurance?

Identity theft insurance, which is available for purchase from Shell Insurance Agency as an add-on to your property insurance policy, provides coverage for expenses that you incur while restoring your identity. The exact coverage options will vary, but typically ID theft insurance will cover the following:

  • Certified mailing fees
  • Loss of wages
  • Monitoring black market websites and chat rooms for information
  • Notary fees
  • Public records searches

It is important to note that these policies do not pay for direct monetary loss, such as money that is stolen from a bank account. In addition, some policies may cap your coverage if your ID is stolen or require payment of a deductible before coverage kicks in to pay for any expenses.

Peace of Mind

Identity theft insurance can provide you with peace of mind. Be sure to take the time to research the benefits to get a good understanding of everything that is covered by this type of insurance policy. Always read the fine print to ensure that you are making an informed decision and getting the coverage that you need.

If you are located in the Deer Park, TX area and you are interested in learning more about identity theft insurance, you are invited to contact Shell Insurance Agency. Our skilled and knowledgeable team of experts is here to provide you with answers to any questions and address any concerns that you may have about purchasing this particular type of insurance. Give us a call today!

Who should get an auto insurance plan in Texas?

Owning a car is a good option for people all over the Deer Park, TX area. If you are going to buy a car when in this part of the state, you need to make sure that you are properly covered with insurance. There are a few situations when someone should get an auto insurance plan. 

Those that Want to Stay in Legal Compliance

A common situation when someone will want to have insurance for their car is when they want to stay in compliance with the law. Drivers in Texas need to have liability insurance. This will give you protection if you cause an accident that results in damages. If you aren’t covered, you can face penalization from the state. Further, those that have an auto loan in place are going to need to carry a full plan until they have paid off the loan. 

Those that Want to Protect their Car

You should also get auto insurance in this part of the state if you want to protect your car. If you choose to buy a car when you are here, it would be wise to ensure your investment is covered as well as possible. If you opt to get a full insurance plan, it will give you support to replace or repair your car if you incur certain forms of loss.

There are a lot of great reasons why someone should get auto insurance coverage in the Deer Park, TX area. If you are looking for a car or new insurance plan, you should speak with Shell Insurance Agency to discuss all of your insurance needs. If you work with Shell Insurance Agency, you can get all the support that you need to build a plan that will help you remain protected.