About Primrose Insurance Agency

Our Commitment

Primrose Insurance Agency is a trusted insurance agency in Texas dedicated to serving the home, auto, and business insurance needs of individuals and businesses. With a commitment to excellence and personalized service, we strive to provide our clients with comprehensive coverage and peace of mind. Our agency works with a wide range of insurance products and carriers, ensuring that our clients receive tailored solutions to protect what matters most to them.

What is the difference between liability and full coverage insurance?

Liability insurance covers damages or injuries you cause to others, while full coverage includes liability plus protection for your own vehicle (collision) and damage not caused by an accident (comprehensive).
Do I need home insurance if my mortgage is paid off?

While it's not required once your mortgage is paid off, home insurance is still highly recommended to protect your property, belongings, and to provide liability coverage in case of accidents.
What factors affect my auto insurance premium?

Your premium is influenced by factors like your driving history, age, type of vehicle, location, and the coverage limits you choose.
What does comprehensive coverage include?

Comprehensive coverage protects against non-collision events like theft, vandalism, fire, or damage from weather, but it doesn’t cover damages from an accident with another vehicle.
Is renters insurance necessary if I have a landlord?

Yes, renters insurance is recommended to protect your personal belongings, as your landlord’s insurance only covers the building, not your possessions.
How can I lower my business insurance costs?

You can lower business insurance costs by increasing your deductibles, bundling policies, improving safety measures, and maintaining a good claims history.
What is a deductible, and how does it affect my insurance?

A deductible is the amount you pay out-of-pocket before your insurance kicks in. A higher deductible typically results in lower premiums, but you’ll pay more if you file a claim
Does my auto insurance cover me if I’m in another state or country?

Most auto insurance policies provide coverage for accidents in other states, but coverage may vary in other countries. It’s important to check with your insurer before traveling.
What does business liability insurance cover?

Business liability insurance covers legal fees, medical costs, and damages if your business is responsible for injuries or property damage to others.
Can I add someone to my home or auto insurance policy?

Yes, you can add a driver or a household member to your policy. However, adding someone may affect your premium depending on their driving history or claims history. These questions and answers cover some of the most common insurance concerns, and can help guide customers in making informed decisions about their coverage. Let me know if you'd like to focus on specific details!