Cates Insurance Huntsville Texas – Your home is the center of your daily life and probably your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. ISB/Cates Insurance can help you find the Huntsville home insurance that best suits your needs and will provide the most valuable combination of tailored coverage, quality service and fair pricing.
Depending on where you live – a house, apartment or condo – the right home insurance policy can give you the peace of mind as well as the money you need to repair or replace your home and/or property.
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Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism or other covered events. It will also cover you if someone is injured while on your property and wins a legal judgment against you.
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Homeowners insurance policies vary based on the losses covered, the coverage you choose, and the type of residence you own. You choose what’s best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or a policy that only covers specified losses.
Whether you are a home or condo, renter or owner, we will work with you to find a Huntsville home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value at the best price.
Your home insurance policy is usually made up of specific options that you choose. What you will pay for your policy depends on:
The amount you pay for your home insurance depends on many factors. Think about your personal housing situation and the assets you want to protect.
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Take inventory of your home and personal belongings. If possible, make a list and take photos or videos. Using two inventory methods can help speed up the claims resolution process. Keep this list somewhere other than your home. Please note that your policy does not cover damage caused by poor or delayed maintenance on your part.
Each house is unique. Talk to us today to find out how you can get the best Huntsville home insurance price and value for you. Lynn Kiecke Lackey and Eason Insurance Group commonly referred to as LKL Insurance, can be traced back to serving Austin County since 1928. Jo Ed Lynn was the owner of Bellville Insurance Agency prior to LKL Insurance. In 1983, Steve Lackey joined Jo Ed Lynn at Bellville Insurance Agency.
LKL Insurance was founded in 1986 by Jo Ed Lynn, Steve Lackey and Elroy Kiecke. LKL Insurance opened its doors on January 1, 1987 and shortly thereafter moved to our current location at 633 West Main Street.
Mike A. Eason joined LKL Insurance as a partner in 2006, at which time the firm’s name changed to Lynn Kiecke Lackey and Eason Insurance Group.
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In May 2008, Industry State Bank acquired Lynn Kiecke Lackey and Eason Insurance Group and became part of the larger Industry Bancshares, Inc. network.
Founded in 1993, Industry Bancshares owns Industry State Bank in Industry with branches in New Ulm and Columbus, as well as Citizens State Bank in Buffalo with branches in Centerville, Whitney, Itasca, Teague, Hubbard, Clifton, Dawson and Groesbeck; Fayetteville Bank in Fayetteville with branches in Schulenburg and La Grange; First National Bank of Bellville in Bellville with branches in Waller and Wallis; First National Bank of Shiner in Shiner with branches in Cuero, Flatonia, Goliad and Gonzales; and Bank of Brenham in Brenham. From modest beginnings in 1993 with less than $80 million in assets, Industry Bancshares has experienced significant growth and now manages over $3.8 billion in assets.
ISB Insurance is an insurance agency located at Houston and Waller and owned by Industry State Bank. The ISB insurance division also includes Cates Insurance, Huntsville; LKL Insurance, Bellville and Sealy; Brand Insurance Agency of Texas, Hubbard; and Insurance Agency of Washington County, Brenham. The right auto insurance policy can help you get back on the road quickly if your vehicle is damaged or destroyed in an accident, fire, theft or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses arising from accidents, loss of life or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium and in return the insurance company agrees to pay for specific financial losses related to the car during the policy period. We can help you determine the best coverage for your needs.
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We write insurance in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana , Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, West Virginia, Wisconsin and Wyoming. and they’ll be happy to help you make sure you have the right auto insurance coverage.
Even in states where coverage is not required, by law drivers must be able to pay for losses they cause to others. Having insurance is the easiest way for most people to comply. In order to finance a car, it is usually necessary to have insurance that covers damage to your car. This includes:
Everyone is unique – talk to us today to find out how to find the best price and value for you on Huntsville car insurance. ISB/Cates insurance works for small businesses. As an independently owned and operated insurance agency, we understand the unique concerns that general contractors face. Unlike captive agents, who work for a single national chain, our agents help you shop a network of major insurance companies. This way we can provide rate reviews, risk assessments and apples-to-apples insurance product comparisons for your contract business.
As your contract business evolves overtime, ISB/Cates Insurance will continue to be there for you. We can even help you if the time comes to switch insurance companies, all without the hassle of switching insurance agents.
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We understand that no two insurance companies are the same and we will not try to sell you an insurance policy to protect your business. As a contractor, you can focus on one aspect such as plumbing or electrical maintenance, or you can provide a broad menu of services. Our agents will take the time to get to know you and your business. We will then recommend contractor insurance solutions to meet your business needs. As your business grows and changes, we’ll review rates and coverage to protect your bottom line.
Through our network of insurance companies, we offer a wide menu of commercial coverage options. Popular insurance products for contractors include:
Learn more today by contacting us for your free estimate. Let us handle your insurance worries so you can focus on the work you love to do. Having the right life insurance is essential to planning for the future of you and your loved ones. Life insurance can help you keep the promises you made to your family when you’re gone.
Don’t leave the future of you and your loved ones to chance. ISB/Cates Insurance can help you find the right Huntsville life insurance coverage for you and help ensure your policy always meets your needs.
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For each of our Texas residents, the right life insurance policy will be unique and depend on personal and financial needs. As your life changes, your life insurance coverage may need to change to meet your current needs. Some life transformations that may require political “regulation” include:
ISB/Cates Insurance can help you choose the best life insurance coverage for your needs. There are many types of life insurance products available; the most common include:
What type of life insurance is best for you? Talk to the team at ISB/Cates Insurance. We can help you identify the best coverage for you.
Having the right life insurance is essential to planning for your present and future. Not only can life insurance provide coverage for your family after you’re gone, but many life insurance options offer other benefits and investment opportunities that you can take advantage of while you’re alive.
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Life Insurance Death Benefit – When you die, your life insurance provides income (tax-free) to the beneficiary or beneficiaries you name that can be used to pay for funeral expenses, debts, tuition, property taxes, or virtually any need financial Your policy can also help provide security for your business by allowing partners to buy out a deceased partner’s interest and avoid a forced liquidation.
Life benefits: The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you pay no tax on the cash value growth unless the money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses such as