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Flood – Motorhome – Renters – Umbrella

Texas Flood Insurance

Don’t I already have flood coverage?

It’s a common misconception that homeowners, condo, and renters insurance policies cover flood damages. Actually, standard policies don’t include any flood coverage at all! You need a separate flood insurance policy in order to cover damages to your home and belongings caused by rising waters.

How will flood insurance protect me?

With flood insurance, the cost of repairing your home (which can be hefty if you need to redo flooring and dry out walls) and replacing damaged belongings is covered. What’s more, your flood coverage can step in even when federal disaster aid isn’t available!

How does flood insurance work?

Flood insurance policies are backed by the federal government. Your individual insurance agent will write a policy through the National Flood Insurance Program (NFIP) so you can rest easy knowing your policy has the support it needs to pay your claims in full.


Texas Motorhome Insurance

Why should I get motorhome insurance?

Whether you own a camper shell, travel trailer, fifth wheel, Class A, or Class C recreational vehicle, you’ve invested money in it. Your motorhome is a unique blend of vehicle and house, and it deserves to be protected the same way you’d protect your car or home.

What type of coverage should I consider for my motorhome?

In order to be fully protected on the road, parked beside it, or in your garage, you might need coverage for:

  • Personal Property
  • Vacation Liability
  • Attached Accessories
  • Towing
  • Emergency Expenses
  • And more…

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Texas Renters Insurance

Do I need renters insurance?

All too often, renters assume that their landlord’s policies will protect them. While that coverage will safeguard your building, you need your own renters insurance policy to protect your personal belongings and cover your liability.

What kind losses does renters insurance cover?

Your renters insurance policy can protect you from a variety of risks, hazards, and disaster, including:

  • Vandalism
  • Smoke damage
  • Theft
  • Fire
  • Lightning
  • Hail
  • Windstorms
  • Some water damage
  • Loss of use

Texas Umbrella Insurance

What is personal umbrella insurance?

While your auto and homeowners insurance policies contain liability coverage, they might not offer you enough protection. What if you cause a multi-car pileup, for example? You could quickly reach your liability limit, leaving you on the hook for the remaining expense. That is, unless you have umbrella insurance. This policy provides liability coverage over and above your existing policies in increments of $1 million.

What kinds of incidents does an umbrella policy cover?

Your umbrella insurance can protect you when you’re on the road, whether you’re driving your car, RV, or motorcycle. It can also protect you behind the wheel of your boat. It will step in when you hit your liability limits of your homeowners insurance policy, and can cover you in alleged cases of libel, slander, invasion of privacy, and more!

When choosing an insurance agency, you want a company you can trust. We are an independent insurance agency. We do not work for an insurance company; we work for you! We work on your side when you have a loss and follow through to see that you get fair, prompt payment.

As an independent, full-service insurance agency, our duty is to our clients, not the insurance companies. As your insurance agents, it is our responsibility to provide YOU the best service and the best coverage, at the best possible price.

Since 1987 the goal of VGW Insurance has been to provide the best in customer service, pricing, claims handling and professional advice to all of our clients, all of the time. After many unsatisfying customer service experiences of his own, Glen VerHagen a Certified Insurance Counselor, decided to make a stand. ” I can’t control everyone, but I can be certain that the type of poor customer service people have been forced to become accustomed to will not happen here at VGW Insurance.”

Since then, that has been our foremost priority in dealing with our clients, and in today’s times it clearly sets us apart. We won’t settle for anything except superior customer service, professional consultation and a caring atmosphere, and neither should you.

For well over twenty years, we have proudly served the residents of the Great State of Texas for all of their insurance needs. We have grown into one of the top independent agencies in the nation. As prior winners of The Hartford Insurance Company’s National Top Personal Lines Agency Award, Travelers Insurance Company’s Southwest Regional Agency of the Year Award and America First Insurance Company’s Top Producing Agency Award, we have come a long way.

We not only offer many choices of companies but we also have many different policy types available including multiple coverage options for commercial property, garage insurance, contractor insurance, dry cleaners insurance coverage, personal home and auto, business auto insurance, workers compensation insurance coverage and much more. We will be happy to discuss the differences in the coverage and how they will impact you.

Ready to sign up, or have questions? Call Us at 972-771-7373

We’ll provide you with a free, no obligation quote.