Frequently Asked Questions (FAQs)

The FAQs below are a collection of questions we often hear gathered together for you in one place. Some of these FAQs deal with insurance as a whole, while others with Allstate or TGH Insurance itself.

Insurance FAQs

Does my homeowners insurance cover my golf cart?

No, it does not.

What is insurance and why do I need it?

Insurance protects you and your family from financial losses that may occur due to accidents, illness, or other unexpected events. It can also help protect your assets in case you are sued. There are many different types of insurance policies available, so it’s important to find the right one for you.

What are the different types of insurance policies?

There are many types of insurance, but some of the most common are Commercial, life, auto, and homeowners insurance.

1. Home insurance: Imagine coming home from work one day to find that your house has been burglarized and valuable items stolen. Without home insurance, you would have to cover the cost of replacing those items out of pocket. But with the right coverage, your insurance company would reimburse you for the stolen items, easing the financial burden.

2. Car insurance: You are driving to work and get into a car accident, causing significant damage to your car and injuring the other driver. Without car insurance, you would have to pay for the repairs and medical expenses yourself, potentially putting you in a difficult financial situation. With the right coverage, your insurance company would cover these costs, protecting your finances.

3. Health insurance: You wake up in the middle of the night with severe abdominal pain and rush to the emergency room. After a series of tests, the doctor informs you that you need surgery to remove your appendix. Without health insurance, you would be responsible for the entire cost of the surgery, which could easily amount to thousands of dollars. But with the right coverage, your insurance company would cover a significant portion of the cost, ensuring that you receive the necessary medical treatment without breaking the bank.

4. Business insurance: You own a small boutique and a customer slips and falls on a wet floor, breaking their arm. The customer decides to sue you for their medical expenses and lost wages. Without business insurance, you would have to pay for legal fees and potential damages out of pocket, which could cripple your business. With the right coverage, your insurance company would handle the legal fees and pay any damages, protecting your business from financial loss.

5. Life insurance: You are the primary breadwinner in your family, and tragically, you pass away unexpectedly. Without life insurance, your family would struggle to cover funeral expenses and make ends meet without your income. But with the right coverage, your family would receive a lump sum payment from the insurance company, providing them with financial stability during a difficult time.

6. Disability insurance: You are injured in a car accident and are unable to work for an extended period. Without disability insurance, you would have no source of income while you recover. But with the right coverage, your insurance company would provide you with a portion of your income, helping you pay for living expenses and medical bills while you are unable to work.

7. Travel insurance: You have been planning a dream vacation for months, but the day before your departure, you get sick and cannot go. Without travel insurance, you would lose all the money you spent on flights, accommodations, and activities. But with the right coverage, your insurance company would reimburse you for these costs, allowing you to reschedule your trip for when you are feeling better.

8. Renters insurance: A fire breaks out in your apartment building, destroying all your belongings. Without renters insurance, you would have to replace everything yourself, which could amount to tens of thousands of dollars. But with the right coverage, your insurance company would cover the cost of replacing your belongings, easing the financial burden and helping you get back on your feet.

9. Umbrella insurance: You get into a car accident and are found at fault, resulting in a lawsuit from the other driver for damages beyond what your car insurance covers. Without umbrella insurance, you would have to pay for these additional damages out of pocket. But with the right coverage, your insurance company would cover these expenses, protecting you from financial ruin.

10. Pet insurance: Your beloved dog becomes seriously ill and needs expensive medical treatment. Without pet insurance, you would have to pay for these treatments yourself, which could quickly add up to thousands of dollars. But with the right coverage, your insurance company would cover a portion of these costs, making it more manageable for you to properly care for your pet.

What is insurance?

Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. The company pools clients’ risks to make payments more affordable for the insured.

How does insurance work?

When you purchase insurance, you pay premiums to the company. In exchange, the company agrees to pay your covered losses. Your premium is based on the amount of coverage you need and the likelihood that you will have a covered loss.

Can I cancel my insurance policy at any time?

Yes, you can cancel your insurance policy at any time. However, if you cancel your policy before a loss has occurred, you may be responsible for paying the claim out of pocket.

What is a deductible?

A deductible is the amount you have to pay out of pocket before your insurance policy kicks in. For example, if you have a $500 deductible, you will have to pay the first $500 of any covered losses yourself.

What is an insurance premium?

An insurance premium is the amount you pay to the insurance company for your policy. Your premium is based on the amount of coverage you need and the likelihood that you will have a covered loss.

What is an insurance agent?

An insurance agent is a person who sells insurance policies on behalf of an insurance company. They can help you choose the right policy for your needs and answer any questions you have about insurance.

What is an insurance broker?

An insurance broker is a person who represents multiple insurance companies and can help you find the right policy for your needs. They may also be able to get you discounts on your premium.

What is an insurance company?

An insurance company is a business that provides insurance coverage to individuals and businesses. Insurance companies are regulated by state and federal laws.

What is a policy?

A policy is a contract between you and an insurance company that outlines the terms of your coverage.

What is a policyholder?

A policyholder is the person who owns an insurance policy. The policyholder is the one who pays the premium and is the one who is covered by the policy.

What is a claims adjuster?

A claims adjuster is a person who works for the insurance company and is responsible for investigating and settling claims.

What is a covered loss?

A covered loss is a loss that is covered by your insurance policy. This means that the insurance company agrees to pay for the loss, up to the limits of your policy.

What is an uninsured loss?

An uninsured loss is a loss that is not covered by your insurance policy. This means that you will have to pay for the loss yourself.

What is the difference between liability and comprehensive insurance?

Liability insurance covers damages that you are legally responsible for. This can include property damage and injuries to others. Comprehensive insurance covers damages to your own vehicle, regardless of who is responsible. This can include things like theft, weather damage, and vandalism.

TGH Insurance FAQs

Who can get insured under TGH Insurance?

Any adult who is a resident of the United States can get insured under Tgh Insurance.

What kinds of policies does TGH Insurance offer?

TGH Insurance offers auto, homeowners, renters, boat, RV, golf cart, general liability, commercial auto, and life insurance policies.

How much does it cost to be insured by TGH Insurance?

The cost of being insured by TGH Insurance varies depending on the policy, the age of the insured, and other factors. Call today and we’ll give you a fast and easy quote based on your needs.

What should I do if I have a claim?

If you have a claim, you should contact your insurance agent or company as soon as possible. If TGH Insurance has the honor of being that point of contact, please let us know.

How do I get a quote for insurance?

To get a quote for insurance, you can contact TGH Insurance directly or you can use our online form and an agent will research your situation and reach out to you.

What is the difference between Allstate and TGH Insurance?

TGH Insurance is an insurance agency, and has relationships with multiple insurance companies including Allstate. This gives us the ability to find the best policy for your needs. Allstate is a single insurance company, which means all of their policies are sold through agents. This can be limiting if you have specific needs that Allstate doesn’t cover. However, they may be a good option if you are looking for basic coverage.

How do I contact TGH Insurance?

Call us today at (936) 465-9981, email insuranceguy@tghinsurance.com or text 9362203588

What are the office hours for TGH Insurance?

8:30 a.m. to 5:30 p.m. Monday-Friday

What is the mailing address for TGH Insurance?

10655 FM 1097 West
Willis, TX 77318

Is there a website for TGH Insurance?

Yes! tghinsurance.com