Coverage Options
Personal Insurance
Insurance solutions for individuals and families across Texas. We help you explore coverage options that fit your needs — based in Pearland, TX.
Please note: Availability, limits, exclusions, and terms vary by policy and carrier. Contact our agency to discuss your specific needs.
Auto Insurance
Auto insurance can help protect you financially if you're involved in an accident or your vehicle is damaged or stolen. Coverage options may include:
- Liability coverage — for bodily injury and property damage you may cause to others
- Collision coverage — for damage to your vehicle from a collision
- Comprehensive coverage — for non-collision events such as theft, weather, or fire
- Uninsured/underinsured motorist coverage — if you're hit by a driver with insufficient coverage
- Medical-related coverage — for medical expenses where applicable
- Rental reimbursement — help with a rental vehicle while yours is being repaired
- Roadside assistance — help if you're stranded due to a breakdown
Homeowners Insurance
Homeowners insurance is designed to help protect your home and belongings. Standard homeowners policies may include coverage for:
Important: Standard homeowners insurance policies typically do not cover flood damage. Separate flood insurance may be needed. Contact our agency to discuss flood coverage options.
- Dwelling — the structure of your home
- Other structures — detached garages, fences, and similar structures
- Personal property — your belongings inside the home
- Loss of use — additional living expenses if your home becomes uninhabitable due to a covered loss
- Liability — if someone is injured on your property
- Medical payments — for guests injured on your property
- Available endorsements — additional coverage options may be available
Renters Insurance
If you rent your home or apartment, renters insurance can help protect your personal belongings and provide liability coverage. Your landlord's policy typically does not cover your personal property.
- Personal property coverage for your belongings
- Liability protection
- Additional living expenses if your rental becomes uninhabitable due to a covered loss
Condo Insurance
Condo insurance (HO-6) is designed for condominium owners and typically covers your unit's interior, personal property, and liability — areas that your condo association's master policy may not cover.
- Interior unit coverage
- Personal property
- Liability protection
- Loss assessment coverage may be available
Landlord / Rental Property Insurance
If you own property that you rent to others, a standard homeowners policy may not be appropriate. Landlord or dwelling fire policies are designed for rental property owners.
- Dwelling structure coverage
- Liability protection
- Loss of rental income coverage may be available
- Coverage for property used as a rental
Flood Insurance
Standard homeowners, renters, and condo policies typically do not cover flood damage. Separate flood insurance may be available through the National Flood Insurance Program (NFIP) or private flood carriers.
- Building/structure coverage
- Contents coverage
- Important for properties in flood-prone areas across Texas
- Contact our agency to discuss flood coverage options for your property
Umbrella Insurance
Personal umbrella insurance provides an additional layer of liability coverage that may extend beyond the limits of your underlying auto, home, or other personal policies.
- Additional liability protection above underlying policy limits
- May cover certain claims not covered by underlying policies
- Available in various coverage amounts
- Contact our agency to discuss whether umbrella coverage may be appropriate for your situation
Have Questions?
Every situation is different. Contact our agency to discuss your specific coverage needs and explore the options available to you.
Availability, limits, exclusions, and terms vary by policy and carrier. Contact our agency to discuss your specific needs. This page is for general informational purposes only and does not constitute a guarantee of coverage, pricing, or approval.
Ready to Explore Your Coverage Options?
Contact Jordan Kolhoff Insurance Agency to discuss your personal insurance needs.