Innovative Insurance Concepts

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Flood Insurance, Homeowners Insurance, Insurance

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Today: 9:00 am - 5:00 pm

Tomorrow: 9:00 am - 5:00 pm

52 Years

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(281) 920-0832Call

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Business LocationHouston, TX 77024

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Mon - Fri:	9:00 am - 5:00 pm

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Actuaries Insurance Adjusters Renters Insurance Homeowners Insurance Truck Insurance Flood Insurance Life Insurance Motorcycle Insurance Auto Insurance Dental Insurance Long Term Care Insurance Health Insurance

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Location: Memorial Service Ctr
Categories: Flood Insurance, Homeowners Insurance, Insurance, Property & Casualty Insurance, Renters Insurance

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Phone: (281) 920-0832

Address: Houston, TX 77024

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Innovative Insurance Concepts

Renters Insurance
Many believe that their landlord's insurance covers them, their possessions, and their liability. Many also think they don't own very much. Or they think they don't own enough for renters insurance worth the cost. So, they don't compare renters insurance prices.
Home Insurance
Here’s what you need to know if you’re in the market for homeowners insurance coverage to protect your biggest investment - your home.

Business Insurance
"Nick, has been a great resource for my personal & business insurance needs, allowing me to save money & secure better coverage. I appreciate his willingness to think outside the box for my particular needs. I highly recommend Nick Spencer with
Commercial Property Insurance
As the name suggests, commercial insurance protects businesses, including business owners and their employees. Because every business is different, there is no one-size-fits-all insurance policy for small business owners. For instance, an ice cream shop has very different insurance needs than an auto repair shop or a golf course. That’s why many small businesses opt for a business owners policy (BOP), which combines commercial property insurance, general liability insurance, crime insurance and other coverages into one convenient package.
Workers Compensation Insurance
Put quite simply, commercial insurance consists of one or more types of coverage designed to protect businesses, their owners and their employees. Many business insurance policies include basic coverages such as property, liability, crime and other optional insurance, such as business interruption insurance, equipment breakdown insurance, and workers compensation.
Commercial Liability Insurance
Builders Risk Insurance
Innovative Insurance Concept started as a Life / Health agency and later added Property / Casualty in the late 90’s, then adding Builder's Risk and Commercial & Business in 2000.

Liability Insurance
Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies. When an insured is liable to someone, the insured's primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy (up to the limit of the umbrella policy).

Natural Disaster

Flood Insurance
Flood insurance covers direct physical loss caused by “flood.” In simple terms, a flood is an excess of water on land that is normally dry. Here’s the official definition used by the National Flood Insurance Program.
Windstorm Insurance
Windstorm insurance is a special type of property and casualty insurance designed to cover damages caused by high winds. Windstorm insurance may cover damages from hurricane-force winds, tornados, hail and other weather events that are accompanied by wind gusts that exceed 35 miles per hour. Wind insurance is simply an insurance policy to ensure you are adequately covered against damages caused by wind and hail. Windinsurance is required when your property is located in areas prone to hurricanes and tropical storms, i.e. Gulf States and/or your current homeowner’s policy has specific wind exclusions.

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