Home Insurance Quote
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Unlike many other home insurance websites you may have come across, Kathy Bayes Insurance Agency will NEVER sell your information. That means you get fast and accurate quotes without any hassle.
What You Get
Named Peril Policy or Dwelling Fire
- Fire or lightning
- Windstorm or hail
- Falling objects
- Weight of ice, snow, or sleet
- Accidental discharge or overflow of water or steam
- Sudden and accidental tearing, cracking, burning, or bulging
- Sudden and accidental damage due to short circuiting
- Volcanic Eruption
Open Peril Policy or Broad Coverage
- Contains all of the above losses and much more. Coverage for your dwelling unless it specifically excludes the loss in the policy
- Coverage for trees removal
- Loss of use
- Debris removal
- Food Spoilage
- Water Backup
- Foundation coverage
- Fire department surcharge
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.
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