What Is a Pre-Existing Health Condition, and How Does It Affect My Insurance?

Posted on January 27, 2025January 21, 2025 by admin

Many of us have heard stories about individuals with pre-existing conditions who struggled to get care or had to pay significantly more due to their condition. This can understandably cause anxiety when shopping for health insurance with a pre-existing condition. But what exactly are pre-existing health conditions, how do they impact those seeking a health insurance policy, and what steps, if any, need to be taken? We’ll answer all these questions and more. Once you’re armed with the right information, you can confidently start shopping for a policy with the support of our team at Barry Insurance Group in Pearland, TX.

Understanding Pre-Existing Health Conditions

A pre-existing health condition is any health condition you had before applying for a health insurance policy. In the past, health insurance companies could refuse customers or charge them more due to these conditions, leading to many of the stories we hear. However, the Affordable Care Act has changed this. Insurance companies can no longer deny coverage or charge more for coverage if someone has a pre-existing health condition. Some companies have found workarounds, such as imposing waiting periods. In short, while pre-existing health conditions were a concern in the past, they are no longer as significant when shopping for an insurance policy. Just ensure to thoroughly read your insurance policy to identify any hidden requirements that may delay coverage when you need it most.

Find Coverage with Barry Insurance Group

If you’re ready to shop for health insurance coverage in Pearland, TX, our team at Barry Insurance Group is here to simplify the process and answer any questions you may have. Compare quotes now or contact us today!

How Does My Home-Based Business Benefit From Commercial Insurance?

Posted on December 23, 2024December 18, 2024 by admin

The relationship between home and work continues to evolve, with more people working full-time, part-time, or running businesses from home. With this change, it’s crucial to understand that home insurance policies generally provide limited coverage for business assets, making commercial insurance essential for many home-based businesses. If you live in the Pearland, TX area, consider the Barry Insurance Group team to create your home and business insurance plan.

Home Insurance and Working from Home

Most home-based businesses require office electronics, furniture, and supplies or tools. Some also have inventory, highlighting the importance of commercial insurance as your business assets grow.

Home insurance policies cover personal, not business, assets; many cap their business asset coverage at $2,500. Any business asset above $2,500 is uninsured if you don’t have a commercial insurance policy.

Smaller home businesses with limited assets often add a business property endorsement to their home policy, doubling the base business coverage. Businesses with more assets need commercial insurance; many also need professional or business liability insurance.

In-home business insurance may be sufficient for companies with less than $250,000 in revenue. These policies typically include the property, liability, and other commercial insurance elements many businesses of that size need.

A Business Owner’s Policy (BOP) is for businesses with revenue of $250,000 or more. It often includes the primary elements of more sophisticated commercial insurance policies, such as Workers’ Compensation and liability coverage.

Working with the Barry Insurance Group

The Barry Insurance Group team serves homeowners and businesses in the Pearland, TX, area. Call (281) 464-3384 today to schedule an appointment or stop by our office so we can create an insurance plan that works for you.

Residential Insurance Coverage for Items Stored Outdoors

Posted on November 20, 2024November 19, 2024 by admin

Do you plan on storing tools, decor, and other household goods outdoors? If so, prepare an insurance protection strategy to help you manage your items.

Outdoor Storage Essentials

You may have chosen outdoor storage for several reasons. Outdoor storage may provide easy accessibility to the items you rely upon when gardening or conducting repairs.

Outdoor storage may be necessary, especially if you do not have room inside your home to store some of your personal possessions. Your outdoor storage should keep your items clean and dry. If a storage unit is in view, security measures should be taken.

Risk Factors For You To Consider

Any risks that you determine should be documented. The risks may influence the type of residential insurance you need. For example, if your property doesn’t drain adequately, you may be concerned about the potential of flooding.

A flood or another type of natural disaster could damage a storage unit or its contents. Specialized insurance products designed for property owners will add an extra layer of protection to your home insurance policy.

You should examine the chance of inclement weather, theft, or vandalism occurring on your property before shopping for home insurance coverage products.

Get a Consultation With An Insurance Agent in Pearland, TX

One of our agents from the Barry Insurance Group will inquire about your residential property and the items stored outdoors. They will advise which possessions should be added to your home insurance policy.

You will be free to choose the coverage amounts you want your possessions equipped with. To get started, contact a representative of our agency. They will schedule a personal insurance consultation for you.

How Control of Well Insurance Protects Against Blowouts and Well Damage

Posted on October 21, 2024October 16, 2024 by admin

Control of Well Insurance: Safeguarding Your Oil and Gas Operations

Unexpected events like blowouts can lead to significant financial losses in the oil and gas industry. At Barry Insurance Group, serving the greater region of Pearland, TX, we understand the complexities of these risks and how to safeguard your operations effectively.

Understanding Control of Well Insurance

Control of Well Insurance is a crucial safety net for companies involved in drilling operations. This specialized coverage protects against the financial impact of well-blowouts and the costs of regaining control. It can cover expenses such as firefighting, redrilling, and pollution cleanup, ensuring your business remains stable during unexpected challenges.

The Importance of Comprehensive Coverage

Blowouts can cause extensive damage to equipment and the environment. Without proper insurance, the costs can be overwhelming. Control of Well Insurance ensures that you have the financial resources needed to address these issues promptly. With a comprehensive plan, you can focus on maintaining operations without the stress of potential financial ruin.

Tailored Solutions for Your Business

Every drilling operation is unique, and so are its risks. That’s why having a policy tailored to your specific needs is essential. At Barry Insurance Group, we work closely with you to understand your operations and potential exposures, ensuring that your coverage aligns with your business goals.

Secure Your Operations Today

Don’t leave your business vulnerable to the unpredictable nature of good operations. Contact Barry Insurance Group, serving the greater Pearland, TX area, to discuss how Control of Well Insurance can protect your assets and ensure the continuity of your operations. Our experts are ready to provide personalized solutions to keep your business secure. Reach out today, and let us help you safeguard your future.

What is the value of having a flood insurance plan in Texas?

Posted on September 30, 2024September 24, 2024 by admin

The Value of Flood Insurance in Pearland, TX

If you’re a property owner in the Pearland, TX area, it’s crucial to consider the merits of purchasing flood insurance. This type of coverage serves as a "safety net," offering essential compensation in case of flood-related incidents affecting your property.

Coverage Offered by Flood Insurance

Flood insurance ensures that your property is covered for damage resulting from floods. If your property is affected by a flood, the remediation cost can be steep. However, many standard home insurance policies do not account for flood damage. Therefore, you need a specific plan to manage this risk and stay protected if a flood does occur.

Ensuring Agreement Compliance

Not having flood insurance might result in a violation of agreement conditions. Given the substantial protection flood insurance provides, many stakeholders, including lenders, customers, vendors, and investors, require that you maintain it at all times. Failure to carry flood insurance when needed could inadvertently violate significant agreements or face penalties.

Secure Your Flood Insurance with Barry Insurance Group

If you’re considering flood insurance in the Pearland, TX area, contact Barry Insurance Group. Our professionals are equipped to evaluate your needs and risks. They’ll guide you in creating the right plan tailored to your situation. Let Barry Insurance Group assist in ensuring your property remains protected.

Importance of Preventive Care and How Health Insurance Supports It

Posted on August 30, 2024August 20, 2024 by admin

Many individuals often misunderstand the right approach to healthcare. Rather than maintaining their health regularly, they only seek medical care when they’re unwell or ignore their health until symptoms appear. In the face of rising healthcare costs, it’s common to neglect health until it’s necessary. However, this approach could result in higher long-term costs and time spent managing health issues compared to a proactive healthcare approach. Preventive care, aided by health insurance, is a beneficial solution to consider.

Operating out of Pearland, TX, Barry Insurance Group provides various insurance products and services catered to your healthcare coverage requirements.

Preventive Care: Its Significance and Role

Preventive care is an overarching term encompassing actions taken by patients and healthcare providers to evade chronic illnesses and diseases. For instance, getting annual flu shots can shield against infections caused by flu viruses. Presently, most health insurance plans incorporate preventive services, aiding in maintaining your health and decreasing healthcare costs.

The following are a few ways preventive care can enhance patient health care:

Early Detection: Preventive care facilitates the early discovery of diseases, enabling patients to get the care they need before their condition deteriorates.
Improved Quality of Life: By preventing illnesses and diseases, preventive care leads to enhanced well-being and, thus, a superior quality of life.
Extended Lifespan: Preventive care can extend your lifespan by keeping you healthy and avoiding illness and diseases.

Secure the Health Insurance Coverage You Need Today

Most health insurance plans include preventive care coverage, promoting active health and well-being maintenance. Contact Barry Insurance Group in Pearland, TX, today at 281-464-3050 to discuss your coverage requirements.

How Life Insurance Can Help Secure Your Family’s Future in Pearland, TX

Posted on July 30, 2024July 23, 2024 by admin

If you’re looking for ways to provide lasting security for your loved ones even when you aren’t around, consider investing in a comprehensive life insurance policy with Barry Insurance Group in Pearland, TX.

How Life Insurance Helps Secure Your Family’s Future in Pearland

Pearland, TX, residents can get peace of mind when they know their loved ones are financially protected with insurance that can offset some of the following costs in the event of an untimely death.

Paying off Existing Debts and Bills

Your loved ones will have enough to deal with as they grieve your absence. Worrying about how they will cover the costs of past due bills and accounts doesn’t have to be on their worry list when you invest in a comprehensive life insurance policy that has provisions for covering the cost of existing debts and outstanding bills.

Offset the Costs of Everyday Living Expenses

It is no surprise that the primary breadwinner in many households is also the primary insurance policy holder who has set up the family finances so their loved ones can reap the benefits of everyday living expenses like rent, groceries, mortgages, and other costs taken from life insurance payouts.

Fund Your Future Savings Goals

Many life insurance policyholders don’t know that some life insurance policies have built-in features that allow account holders in good standing to borrow or withdraw cash from their policies. Not all life insurance policies have this built-in cash-out feature, so it is important to enlist the advice of a trusted local life insurance agent to learn about your benefits and your best options for coverage.

Contact a knowledgeable and friendly agent at the Barry Insurance Group in Pearland, TX, and get a quote today!

How Often Should I Review My Auto Insurance?

Posted on June 28, 2024June 24, 2024 by admin

Although one study found that 40 percent of drivers do not shop for less expensive car insurance, it is a good practice to have a general insurance review annually or when you experience a life-changing event. Some life events do not affect auto insurance rates, but we will focus here on auto insurance. If you want to discuss changes to your insurance plans, contact our Barry Insurance Group team serving the Pearland, TX, area.

Events Affecting Your Auto Insurance

You should perform an annual insurance review. Insurance companies change rates for reasons unrelated to you, so shopping around makes sense. Also, you should review your auto insurance needs when any of the following changes occur.

Change in Residence: Your ZIP Code and the nature of your home parking affect your rates.
Job Changes and Working Remotely: Your daily commute affects your rates. Working remotely eliminates the commute.
Adding a Driver: Teenagers earning their license is a big event and need adequate insurance.
Acquire a vehicle: Buying, leasing, or disposing of a car will change your rates.
Vehicle growing older: As your vehicle ages, consider dropping your collision coverage.
Getting a ticket or having an at-fault accident: Getting a ticket or having an at-fault accident will increase your rates, so it’s an excellent time to shop around.
Improved credit score: Your credit score affects your rates. As your score increases, your insurance premiums decrease.
Bundling: If you do not currently bundle your insurance, consider doing so for better rates.

Working With the Barry Insurance Group

Our team at Barry Insurance Group serves the Pearland, TX, area. Let us answer your insurance questions and prepare a policy to meet your needs. Call us at (281) 464-3384 or stop in to see us today.

Does Commercial Insurance Protect Against Hurricane Damage?

Posted on May 27, 2024May 24, 2024 by admin

If you’re concerned about protecting your business from hurricane damage with quality commercial insurance, we encourage you to reach out to our expert team at Barry Insurance Group. We’ll provide you with superior support and guidance to make the process easy to understand. Let us help you get peace of mind.

Commercial Insurance Protection

Businesses get covered for the losses suffered if a hurricane happens through their hurricane insurance, which protects them against financial losses following such disasters. A description of the policy may differ in the coverage details, but in the general category of commercial insurance, protection for property damage caused by hurricanes is included. For example, structural damage to buildings, equipment, and inventory is usually covered. Besides, many of those policies also cover business interruption expenses, which protect businesses from financial losses due to closure or temporary operations restriction hours after the hurricane.

Understanding a commercial insurance policy in storm-affected areas is vital for businesses to be able to protect themselves against the effects of a hurricane. Communicating regularly with local health insurance agents or brokers can give a business a clear idea about what specific coverage is available, as well as some of the extra insurance options to ensure that a business won’t be financially affected if a hurricane hits the area. By financing complete commercial insurance encompassing hurricane risks, companies have an easier way to cushion themselves from any monetary impacts arising from disasters and to proceed with their recovery process upon hurricane strikes.

Commercial Insurance Coverage Near Pearland, TX

Securing the right insurance policy can mean the difference between protecting your business interests and incurring losses. Let us help you discover how to choose the right policy to meet your needs. Please call or stop by Barry Insurance Group today to get started. We proudly serve and support the residents near Pearland, TX, and look forward to working with you.

Does My Insurance Cover Damage to My Home from Extreme Heat?

Posted on April 26, 2024April 25, 2024 by admin

Heat waves have affected Pearland, TX. In contrast to sudden weather damage, damages resulting from excessive heat accumulate gradually, affecting the exterior of your house noticeably. Filing claims for heat damage can be complex and often depends on the terms of your policy. Barry Insurance Group is here to help if you have concerns about heat damage.

The Hidden Dangers of Excessive Heat

Whether or not your homeowner’s insurance covers heat-related damage primarily depends on individual scenarios. For example, if a fire caused by excessive heat resulted in damages, it would be a claim-worthy event. Extreme heat can also cause your plumbing system to fail, leading to water damage.

More often than not, extreme heat leads to various types of hidden damage that unfolds with time. Such damages can include:

Deterioration of roofing materials leading to leaks
Cracked foundations
Bubbling paint and siding
Warped window and door frames
Overworked electrical systems due to high loads

Carefully Review Your Policy

A careful read of your homeowner’s policy will reveal whether it covers heat-related damages and under what circumstances. At times, there may be a need for additional documentation to prove the damages were indeed heat-induced. In the wake of climate change, some insurance companies now offer additional coverage options or add-ons that explicitly cover heat-related damages. These optional endorsements can be protective of gradual types of damage, including the ones mentioned above. In contrast to this, indirect damages resulting from power outages due to heat may also be claimed. Regular preventive maintenance can notably reduce heat-related damages.

Contact Barry Insurance Group for More Information

The experts at Barry Insurance Group, serving Pearland, TX, are here to help you make informed decisions on insurance policies. We can offer various options to ensure your home is protected. Contact us today to get started on your policy.

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