Monday-Friday: 8am – 5pm
“As your local source for insurance services and solutions, Kathy Bayes Insurance Agency takes pride in offering personalized and responsive support to customers throughout the Bastrop area. At Kathy Bayes Insurance Agency, the ultimate goal is to create lasting relationships with each and every client for many years to come. The experienced staff members here can outfit you with tailored solutions for your auto, home, and business insurance requirements and personalize each insurance product to your specific individual needs while providing competitive rates for our valued clients.”
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+1 (345) 678-9023
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Frequently Asked Questions
What areas of Texas do you serve?
Our main focus is Bastrop and the surrounding areas but we can write insurance anywhere in the state of Texas. We have customers all throughout the state and are happy to serve anyone anywhere in Texas.
Do you write auto insurance even if someone doesn’t have a license or has a suspended license?
Yes, we have companies that will insure you even if you don’t have a license, have an expired license or have a suspended license.
What is an SR22?
A SR22 is simply providing proof to the state that you have insurance and maintain that insurance. Just because you require an SR22 does not necessarily mean your rate will be higher, it just means you have to show proof that you carry insurance. You may be required to carry an SR22 because you have a traffic violation or several traffic violations but we can help you get back on the right track with your driving habits.
What is a “Peril” on a Homeowners policy?
A Peril is simply a loss that is covered by your policy. For example Fire, Wind, Lightning, and Hail are all Peril’s.
Does my homeowners policy cover my appliances for my house, like an air conditioner?
No, your policy will not cover having your air conditioner or other appliances replaced for mechanical breakdown. However, some companies will allow us to endorse your policy to add coverage to appliances on a limited basis.
What is an Umbrella Policy?
An Umbrella policy is like a blanket for insurance. Think of an umbrella policy as an umbrella or a blanket. An Umbrella covers cost if a claim is filed and the insurance company has already paid your policy limits but is not enough to cover the cost of the claim. It protects someone from suing you if your Auto, Home, or Business insurance does not fully cover the cost of a claim.