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How to prepare your car for winter

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The winter season can be especially tough on your car here in the Spring, TX area, so it is important to properly prepare it for the cold months ahead. NavSav Insurance is here to assist with your auto insurance and other related concerns.

Here are some tips from us on how to get your car ready for winter:

1. Inspect Your Tires:

Make sure that all of your tires have adequate tread and tire pressure. If you live in a region that experiences snow and ice, consider investing in winter tires as they provide a better grip in slippery conditions. 

2. Change Your Oil:

Cold temperatures can cause oil to thicken, making it harder for the engine parts to move without sufficient lubrication. Make sure to switch out your regular oil for a thicker-weight winter oil before the colder weather hits. 

3. Check Your Antifreeze:

Coolant prevents your engine from freezing up during cold weather, so make sure you check your levels and top them off if necessary. 

4. Test Your Battery:

Cold weather can take a toll on vehicle batteries, so make sure yours is functioning at its best by having it tested before winter arrives. 

5. Replace Windshield Wipers & Add De-Icer Fluid:

Another way to ensure optimal visibility this winter is by upgrading your windshield wipers with ones designed for colder climates and topping up the de-icer fluid tank once the temperature drops outside. 

Get Insurance Coverage For Your Vehicle

By taking these steps, you’ll have peace of mind knowing that your car is prepared to handle any road condition Mother Nature throws at it this winter! For more tips, or if you have any questions about your coverage, call us at NavSav Insurance. We proudly serve the Spring, TX area.

The Main Types of Commercial Insurance That Any Type of Business Needs

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Texas is known as the state with the best business climate in the United States. There are over 3 million small businesses in the Lone Star State that contribute to the economy of the state and the country. If you own one of them, you probably understand that having a business is not easy and takes a lot. In order to make your business prosper, you should protect it properly, and the best way to do it is to have commercial insurance.

Regardless, of the type of your business, here are the main types of business insurance that you need to have: 

What Types Of Commercial Insurance Do You Need?

As a business owner, consider having these four types of business insurance:

  • Property insurance. It is important to protect your commercial property and its content from damage or loss. That is why you need property insurance that protects a commercial building and all the stuff you have in it against theft or damage. 
  • General liability insurance. The purpose of this type of coverage is to protect your business against business-operations-related claims. It covers injuries or a person or property damage that your business is liable for. 
  • Cyber liability insurance. This commercial insurance type protects you or your business partner in case of a data breach or any other online activity. Depending on the scope of coverage, this insurance type can protect you from many different risks. 
  • Business Interruption Insurance.  This business insurance type helps your company replace income or pay wages when a certain covered event forces your business to close. It helps a business to return to the same financial position as if no financial loss occurred. 

NavSav Insurance in Spring, TX – Contact Us to Get Your Business Covered

If you operate your business in Spring, TX or any other town in Texas and you want to make sure that it is well protected against different unexpected events, you should contact NavSav Insurance. We specialize in different types of commercial insurance and will help you find the coverage that you need based on your business type and insurance needs. Feel free to visit our website or contact us for more information. 

What Does Dwelling Coverage Mean On A Home Insurance Policy?

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It is strongly recommended that you read your home insurance policy at least once a year. Reading your policy helps to refresh your memory about what is included and excluded from the policy, while also helping to ensure your policy still meets your needs. At NavSav Insurance, serving the greater Spring, TX area, we are here to help you review your policy and answer any questions you may have about it.

One of the questions that people often ask is what exactly dwelling coverage means in regard to a home insurance policy. 

What Does Dwelling Coverage Mean On A Home Insurance Policy?

Dwelling coverage refers specifically to the structure of your home. It does not include the land that your home is built on top of, nor does it include any of the items that are stored within your home. If someone on your policy refers to dwelling coverage, it is referring to the structure of your home, and only the structure of your home.

Dwelling coverage also applies to any permanent fixtures that are located inside or around your home. For example, a covered garage or a covered patio are both permanent structures, so they apply to your dwelling coverage for your home insurance policy. 

Contact Us Today

If your current home insurance policy does not meet your needs, it is time to start shopping for a new policy. The team at NavSav Insurance, serving residents in the greater Spring, TX area, can help you find the best home insurance policy for your needs. Call or email us now to get started. 

What does umbrella insurance cover?

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What is umbrella insurance? Umbrella insurance, also known as personal liability insurance, is a type of coverage that helps protect you from financial losses in the event that you are sued for damages. This can include things like medical expenses, property damage, and legal fees. Consult with NavSav Insurance if you are in the greater Spring. TX community to learn more about your options.

What does umbrella insurance cover?

Umbrella insurance policies typically provide $1 million to $5 million in coverage, but you can find policies that offer more or less coverage depending on your needs.

There are a number of benefits to having an umbrella insurance policy. Perhaps the most important benefit is that it can help protect your assets in the event that you are sued for damages. An umbrella policy can also help cover costs associated with accidents or injuries that occur on your property. Umbrella insurance will kick in after your other policies, like home insurance or auto insurance, have reached their limits.

Choosing the right umbrella insurance policy can be confusing, but there are a few things to keep in mind. First, make sure you buy enough coverage to protect yourself and your assets. Second, read through the terms and conditions of the policy carefully to make sure you understand what is covered and what is not covered. Finally, always file a claim with your insurer as soon as possible after an incident occurs.

Get The Right Coverage For Your Needs

So if you’re looking for extra peace of mind when it comes to protecting your assets, it may be worth looking into an umbrella insurance policy. With the right coverage, you can rest easy knowing that you and your family are protected in the event of an accident or lawsuit. If you would like an umbrella policy, call NavSav Insurance today. We proudly serve the Spring. TX area. 

How Renter’s Insurance Protects Your Electronics from Covered Perils

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As a renter in Spring, TX, you might wonder if your electronics are covered under your renter’s insurance policy. It depends on the perils that are listed in your policy from NavSav Insurance and whether or not your electronics are damaged as a result of one of those perils.

What is Renter’s Insurance?

Renter’s insurance protects your stuff if it gets ruined or stolen. It also covers you if someone gets hurt on your property. Most policies cover fire, smoke, theft, and water damage.

If your electronics are damaged due to a fire or smoke, then your renter’s insurance policy should cover the cost of repairs or replacement. Theft is also pretty straightforward. If your electronics are stolen, then your policy should cover the cost of replacing them.

Water damage, on the other hand, can be a little bit trickier. Water damage can be caused by several things, including flooding, burst pipes, and leaks. Here the coverage depends on the specifics of your policy.

Making Sure Your Electronics are Protected

First, take inventory of all of your belongings, including your electronics. List everything you own, as well as its value.

Next, make sure to keep receipts for all of your major purchases, including your electronics.

Finally, consider getting additional coverage for high-value items like jewelry and electronics.

We Are Here to Help

Renter’s insurance in Spring, TX can help protect your belongings in the event of damage or theft—but it doesn’t cover everything. Whether or not your electronics are covered under your policy depends on your policy. Contact NavSav Insurance to learn what your renter’s insurance policy covers. If you need additional coverage, we can help you out.

What Are The Risks Of Not Having Flood Insurance?

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If you own a home, you probably think about protecting your valuable possession. Most homeowners decide to protect their properties with the help of home insurance. However, only a few of them think about getting flood insurance as well, which is a big mistake because floods are the most common natural hazard in the US. If you decide to skip flood insurance, you should be aware of the risks you may be facing. NavSav Insurance in Spring, TX can help you navigate this vital coverage.

What Are The Risks Of Not Having Flood Insurance?

  • Your property can be damaged by a flood, and you will have to pay for repairs out of pocket.  You may not know, but even a little bit of water can cause serious damage to your home. If your house is damaged by water and you do not have flood insurance, you will have to cover losses yourself. 
  • You put the contents of your house and your personal belongings at risk.  The purpose of flood insurance is to protect not just the house, but also all the contents and personal belongings in it. Without flood insurance, you risk losing your furniture, electronics, clothes, jewelry, and other stuff. 
  • It might be illegal not to have flood insurance. Some mortgage lenders require homeowners to have proper flood insurance. Also, this insurance is required if you live in a high flood risk area.  

Get Flood Insurance Today

If you live in Spring, TX or any other nearby town in Texas and you own a house, you should think of getting flood insurance in order to protect your property and personal belongings. If you are searching for an insurance company specializing in this type of insurance, do not hesitate to contact NavSav Insurance. Our qualified and experienced agents will help you find an insurance plan based on your insurance needs and budget. 

Boat Insurance FAQs

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Shopping for a boat is exciting. Buying boat insurance isn’t

Yet it’s a necessity. Boat insurance does more than just protect your investment. A dedicated policy prepares you for the unexpected, providing some much-needed peace of mind while cruising the water.

Although there are countless available options, deciding on a boat insurance policy shouldn’t sink your fun. Let NavSav Insurance throw you a lifeline. Serving the greater Spring, TX community, our experienced agents are here to help. 

Here are five common questions about boat insurance:

What is boat insurance?

Boat insurance protects any motorized watercraft against accidents or damage. But it also shields the people onboard. You, your guests, and other people sharing the waterways are covered under your plan.

What does boat insurance include?

Each policy is different. But virtually every boat insurance contains liability safeguards for both bodily injury and property damage. Collision and comprehensive plans are also common.

Is boat insurance required?

In short, no. But a lending agent may mandate certain coverage limits. Either way, boat insurance is still a must. Boating without proper coverage is a risk.

Do I need boat insurance all year?

Avoid the temptation to cancel your policy during the off-season. While this seems like an easy way to save some money, it’s not worth the exposure. Storm damage, fires, floods, and vandalism can still destroy your boat, even in storage.

Isn’t my boat insured under my homeowners policy?

Homeowners insurance may cover certain watercraft, but these protections are minimal and limited. There is also typically a capped limit for claims. Only a specific, specialized boat insurance policy can grant you full protection.

Contact Us Today

NavSav Insurance in Spring, TX does more than provide helpful tips. Our agency can craft a customized boat insurance policy to keep you afloat. Schedule an appointment today.

Required Auto Insurance in Texas

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When you have a vehicle in Texas, it is required for you to have an auto insurance policy that covers it. Within that auto policy, there are different kinds of coverage that are required. Each of these types of coverage gives you specific protection so that you are well-covered for certain risks. In addition to the required types of coverage, it is generally recommended that you get other types of coverage that provide you better protection against more risks.

When you need auto insurance in Texas, give us a call at NavSav Insurance in Spring, TX to get started. 

Required Liability Insurance 

There are two types of liability coverage that are required within each policy and three separate coverage amounts. One of these is a set minimum amount of coverage for bodily injury for a single person who becomes injured. There is an additional amount required for bodily injury coverage for all of the people who suffer injuries in an accident. Both of these amounts are to pay for medical bills for someone else who is injured in an accident that is deemed to be your fault. There is also a set minimum amount for property damage liability to pay for property damage that happens to someone else’s property after an accident that you caused. 

Other Types of Auto Coverage 

In addition to your liability coverage types, there is also personal injury protection, or PIP, that is required to be in your policy unless you waive this coverage type in writing. However, it’s a good idea to keep this coverage. It pays for your own medical bills after you have been in an accident. In addition, it’s a good idea to have collision coverage to pay for the damage to your own vehicle should you be in an accident that is your fault. 

Contact Us Today

To get auto insurance, call us at NavSav Insurance in Spring, TX.

Commercial insurance FAQs

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Owning a business means that you face risks every day of the week. It is hard to survive all of the risks. Having the right commercial insurance can go a long way to making it easier to remain in business no matter what happens. We at NavSav Insurance in Spring, TX are independent agents, which means we can customize your insurance products for you and your business. We have access to a variety of top carriers. 

Commercial insurance FAQs

Is any commercial insurance required in Texas?

Texas is one of the few states that has no requirement for commercial insurance at all, not even workers’ compensation. But that doesn’t mean that it is a good idea to go without them. Without workers’ compensation insurance, you open your business up to legal action if an employee is hurt on the job and decides to sue you for medical expenses and lost time. 

What is BOP? 

A BOP is a business owner’s policy. It is a combination of lines that usually allows you to get a better rate. The two most common elements in a business owner’s policy are commercial property insurance and commercial liability insurance. You do have the option to add business interruption insurance to the other two for more complete protection. 

Do you have to own your building to benefit from commercial property insurance? 

No, a commercial property policy is not just about the building that houses your operation. It is about the things you need to do business. This can be office equipment, tools, machinery, inventory, raw materials, furniture, records, display units, cabinets, and whatever it takes for you to be able to conduct business. 

Contact Us Today

Contact NavSav Insurance in Spring, TX when you are in need of help with your commercial insurance. We will help you to choose the right coverage for your business.

Preparing and storing a home inventory

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Without a doubt, making a home inventory takes time and is a lot of work. Having stated that, it is still very important to do. If a hazard should hit your home, it will be upsetting, to say the least. You may find it difficult to try to put a list together of everything you have lost. At NavSav Insurance in Spring, TX, we will be here for you from beginning to end and when you file a claim we will be right there with you. 

Preparing and storing a home inventory

You can start your inventory in any room. Some people may prefer to start with the main rooms and others may prefer to go to the bedrooms. Have a large notebook and a pen and choose whichever room makes sense to you. Gather together any receipts or sales slips that you have and put them together with the description that they apply to. Let your eyes go up and just write down everything that you see. Open drawers, closets, and cupboards and write detailed descriptions of what you see. 

Go from one room to the other, take pictures from different angles and try to include any of the more expensive items in the photos.  

Once you have gotten everything listed with lots of detail, it is time to find a place to safely store your inventory. It is ideal if you can get it away from your home. A safe deposit box is a good option. If you must store it at home, be sure that it is in a container that is fire resistant and waterproof. Keeping a copy in the cloud is a good option so that you can easily get to it no matter where you are. 

Contact NavSav Insurance in Spring, TX when you are in the market for a home insurance review or a new carrier.