Hejtmanek Insurance Agency Your Multi-Lines Insurance Agency    AUTO INSURANCE Sure we can insure your auto at preferred rates, but you gotta quit smoking to get our super low cost term life. How much coverage do I need? The state of Texas requires that you insure your vehicles and all licensed drivers of the household for at least $20,000 bodily injury per person, $40,000 bodily injury per accident and $15,000 property damage per accident, or $20,000/40,000/15,000. Is this amount enough? That has to be your decision, but keep in mind that we offer limits up to $5,000,000 and up per accident. What about "full coverage" insurance? There's no such thing. Not everyone agrees, but many feel it includes the minimum liability amounts ($20/20/15) plus physical damage to your automobile or "comprehensive" and "collision". There is no question that "full coverage" does not truly mean full and complete insurance coverage. When shopping for auto insurance, request premiums for liability, uninsured/underinsured motorists coverage, personal injury protection or medical, Other Than Collision or comprehensive, Collision, Towing, and Rental Reimbursement. Your agent should be able to break down the premium by coverage limits allowing you to review all of the options. Ask for as many options of each coverage as is available before narrowing down what coverage might be important enough to you to justify the proper premium. HOME INSURANCE Yes, we still insure homes! Our rates are competitive and our service is excellent! Call us for a quotation. HOMEOWNERS INSURANCE We offer excellent companies to insurance your homes, condominiums, rental homes, contents for renters, mobile homes, and modular homes. Additional "extras" include replacement cost, water, additional jewelry, identity theft, and mold coverage just to name a few. Discounts include "auto/life", burglar alarm, high credit score, new home, and claims free. We also suggest flood insurance which may be written at the same time as your home insurance. WHAT WE NEED FOR AN AUTO QUOTE... First of all, we suggest you contact us in person or by telephone or fax. Do not send by email as some of the information we need is confidential and should not be sent over the Internet. We need the following information: 1) Name and dates of birth of all drivers 2) Address, tel. numbers, and email address 3) Soc. Sec. and drivers license # for all drivers 4) Vehicle Identification Numbers for all units 5) Tickets, accidents or claims in the last 3 yrs. 6) Previous insurance company and policy # 7) Def. Driving, Drivers Ed. or alarm credits? 8) Requested Coverage Amounts WHAT WE NEED FOR A HOME QUOTE... First of all, we suggest you contact us in person or by telephone or fax. Do not send by email as some of the information we need is confidential and should not be sent over the Internet. We need the following information: 1) Name of owners/renters of the home or apt 2) Address, tel. numbers, and email address 3) Social security # for all owners 4) Age of home, type of siding, in city limits? 5) List all claims in the last 36 months 6) Is there a burglar alarm or metal roof? 7) Current company and policy number 8) Reqeusted coverage amounts?