Questions to ask before choosing your health insurance

Posted on January 31, 2024January 31, 2024 by admin

Health insurance can be one of the most complex decisions you make every year. If you choose incorrectly, you will have to live with that decision for a year, which can make a major difference to your health care. Our team of independent agents at Barry Insurance Group in Pearland, TX, gives all of our customers personalized service to help them make the right insurance choice for them.

Is my doctor in the network?

Many people have a doctor that they prefer. If you have a doctor or specialist you want to continue to see, it is vital to find out if they are in the carrier’s network that you are looking at. Some doctors in a practice may be in a network, and others are not, so it is vital to get this information.

What is the monthly premium?

Premium should not be the first thing in your decision, but it is a determining factor. Health insurance won’t help you if you can’t afford the premium.

What is the yearly deductible?

Most policies these days have a yearly deductible that must be met before the coverage begins. With high deductible policies, there are other things you need to consider, like an FSA or an HSA.

Are my prescriptions covered?

If you take prescription medication, it is vital that you know that your medication is covered and what the copay will be. You can find this information in the formulary for your proposed policy. Drugs are listed in tiers, and you need to look for the generic and brand names. In many cases, you will need to choose the generic.

Call our office at Barry Insurance Group in Pearland, TX when you have to make the all-important decision about your health insurance.

Are There Commercial Insurance Loopholes to Avoid? Here’s The Answer You Need

Posted on December 29, 2023December 29, 2023 by admin

Are you getting commercial insurance but worried about loopholes affecting your coverage? It’s wise to stay informed, so talk to us at Barry Insurance Group today! We can help Pearland, TX, businesses like yours get the coverage that suits your needs.

Not Getting Income Loss Coverage

We understand that some policy coverage might seem a little excessive. However, income loss protection is critical if you have to close your store for any reason. Without it, your employees might lose out on cash, and you might even lose out on payments yourself.

Ignoring Cyber Liability

The thing about the internet is that it’s both a blessing and a curse. It’s a blessing because it’s opened up the world in beautiful ways but also increased your risk of hacking and loss. Cyber liability protection keeps you safe if hackers get into your records.

Getting Poor Workers’ Compensation

The thing about Workers’ Compensation is that most states require it if you have a specific number of employees. If you qualify for it but try to avoid it, you are going to get sued if someone gets hurt. Even worse, you could face criminal charges.

Not Setting Up Umbrella Coverage

No matter what your business is, a little extra liability coverage is important. It will kick in when you’ve reached your normal liability limits and help you in serious and potentially devastating lawsuits. It’s a significant step if you’re worried about getting sued or run a high-risk business.

We Can Help You

Let us help you at Barry Insurance Group! We’re always ready to help companies in Pearland, TX, get the protection they need. Talk to us, and we’ll give you the rundown on these common loopholes and mistakes and ensure you’re fully protected.

Who needs to have home insurance in Texas?

Posted on November 30, 2023November 30, 2023 by admin

In the Pearland, TX area, owning a home has been a good option for many people. Property owners here have a consistent place to live and benefit by building equity over the years. Those who are going to buy a home in this part of Texas will also find that having insurance is extremely important. There are various situations when someone undoubtedly needs to have this insurance.

When Financing a Home with a Mortgage

A situation when you need to have home insurance will come when you have a mortgage. It is very common for property owners in the Pearland, TX area to take out a mortgage. If you do, there are various rules and requirements that you need to meet. For many property owners, this includes having a full home insurance policy at all times. This can include requiring you to establish and maintain escrow accounts.

Association Members

It is also common to require home insurance if you live in part of a home association. Home associations provide various benefits to property owners, but there are also some requirements. One requirement that is commonly set is for you to carry home insurance. Most associations will require that you offer evidence of coverage at least once per year and could assess a penalty if you are not covered.

Getting a proper home insurance plan is always a good idea for people in this part of Texas. When you want coverage, it is smart to start by calling our team at the Barry Insurance Group. Our team of professionals with the Barry Insurance Group will give you the help necessary to create a new plan that covers you and meets all your needs.

How does control of well insurance support the oil and gas industry?

Posted on October 31, 2023October 31, 2023 by admin

The oil and gas industry continues to be very important as it helps ensure people and businesses across the globe have access to the energy they need. Control of well insurance, which is commonly referred to as COW, is a very important form of insurance for those in the oil and gas industry. There are various ways that control of well insurance supports the oil and gas industry for businesses in the Pearland, TX area.

Financial Protection

A reason to have control of well insurance in this industry is to receive financial protection. If there is ever an accident with an oil well, the damage can be extremely significant. This can include both damage to property as well as personal injuries, which also can come with liability claims. With proper control of well insurance plan, oil and gas companies will receive financial protection to offset such concerns.

Regulatory and Other Requirements

Due to the value that it provides to oil and gas companies, having a control of well insurance plan is often a requirement by regulators, investors, and other parties. Due to the potential significance of an oil accident, many entities will require businesses to carry COW coverage. If you do not have it, you can face penalization and reputational damage.

If you are in the oil and gas industry in the Pearland, TX area, having full control of well insurance plan is beneficial. If you are looking for a new plan in this part of Texas, it would be wise to call our team with the Barry Insurance Group. When you work with our team at the Barry Insurance Group, you will get any support you need to build a new policy.

Why All Homeowners Need Flood Insurance

Posted on September 29, 2023September 29, 2023 by admin

If you own a home, there are two insurance policies that you absolutely should have to protect your investment. One is home insurance, and the other is flood insurance. Flood insurance is an important part of protecting your home. It’s necessary no matter where you are. Without this insurance, you risk severe financial problems after a flood. If you don’t have this coverage yet, call us at Barry Insurance Group in Pearland, TX to learn more.

Floods and Home Insurance

Many people never get flood insurance because they assume that their home insurance policy protects them against disasters. However, home insurance doesn’t cover floods. If a flood were to happen and your home and possessions were damaged, you’d have to pay for everything yourself if you didn’t have flood insurance. Certain areas are designated as flood zones. People inside those zones usually require flood insurance from their lender or the regional government. However, one out of every five flood claims comes from areas that aren’t in flood zones. You can still be vulnerable to floods if you’re not in a flood zone.

Government Backed Protection

When you get flood insurance, there’s no worrying about whether the insurance company can pay for all the flood-damaged homes it covers. The National Flood Insurance Program backs flood insurance today. It has government backing, and it’s guaranteed. The program also sets the price of this insurance, so the price will be the same no matter where you get your flood policy.

Get Flood Insurance in Texas

If you own a home and don’t have flood insurance, call us immediately at Barry Insurance Group in Pearland, TX to get more information about this insurance and get started with it.

The Importance of Health Insurance: How to Safeguard Your Wellbeing?

Posted on August 31, 2023August 31, 2023 by admin

When considering health insurance’s value, we frequently imagine the worst-case scenario. Insurance is unquestionably essential in the event of a severe illness or injury. A three-day hospital stay can cost over $50,000, and fixing a broken arm can cost at least $5,000. The cost of care can easily reach hundreds of thousands of dollars for more severe conditions like cancer.

Why Is Health Insurance So Important?

Here are the reasons that make health insurance very important:

Treatments cost less, thanks to health insurance. When you purchase health insurance, you begin to gain advantages right away. If the medical professionals you visit are in your network, you will spend substantially less for office visits than you would if you didn’t have insurance. Even if your plan has a deductible, your costs will still be lower.
Better health. People with health insurance use medical services more frequently and have greater health. It is untrue to assume that people take better care of themselves to stay healthy and avoid needing medical attention when they must pay more for health care. Research demonstrates that health insurance improves people’s health and health-related behaviors.
Lower medical bills. Health insurance impacts financial health just as much as physical and mental health. People without health insurance who seek treatment incur enormous medical costs that typically put them in debt.

Barry Insurance Group – Trustworthy Insurance Company in Pearland, TX

Do you consider buying a health insurance plan for you and your family? Do you need help in choosing the right coverage? Do not hesitate to contact Barry Insurance Group, an insurance company serving clients in Pearland, TX, and nearby Houston areas. We will provide the information you need and help you find the best insurance plan based on your health needs and budget.

Young & Single? You Can Still Benefit from Life Insurance

Posted on July 31, 2023July 31, 2023 by admin

Many people consider life insurance an excellent investment for married couples with young children as it provides financial security in the event of the loss of a spouse. However, if you’re young and single, you shouldn’t rule out how a life insurance policy can benefit you. Whether you’re a recent college grad or a young professional in your field, life insurance from Barry Insurance Group in Pearland, TX has a lot to offer singles like you.

Why Singles Should Consider Life Insurance

Here are a few good reasons for young, single adults to consider purchasing life insurance.

Price – First and foremost, you won’t be young forever. Life insurance is much cheaper when purchased at a young age, and your policy can be locked in at a good price. If you get married and start a family in the future, you’ll have financial security for your spouse and children at an affordable cost.
Pay Off Debts – Like many college grads, you may have financed your education through private student loans co-signed by a family member. If you unexpectedly pass on, your family will be responsible for repaying this debt. Life insurance can cover student loans and any other debts you’ve accrued to relieve your loved ones of this burden.
Financial Support – If you’re supporting elderly parents or aiding younger siblings in your family, life insurance will ensure they continue receiving financial support during your sudden demise.
Business – You can allocate life insurance benefits to help sustain a company you started with one or more partners so it doesn’t collapse upon your unexpected demise.

See Your Barry Insurance Group Agent for Life Insurance!

Learn more about your life insurance options at Barry Insurance Group in Pearland, TX.

Three pieces of misinformation you might come across regarding auto insurance

Posted on June 28, 2023June 28, 2023 by admin

Understanding your auto insurance coverage is essential so that you can enjoy financial security as a motorist. Barry Insurance Group is a provider of auto insurance. We offer auto insurance to drivers in Pearland, TX.

The following are three pieces of misinformation you might come across regarding auto insurance.

Your auto insurance policy will cover your vehicle regardless of who is driving.

Everyone who will regularly drive your vehicle should be listed on your auto insurance policy. If you let someone drive your car and they’re not explicitly listed on your policy, your vehicle might not be covered if that person gets in an accident.

You’ll have to pay more insurance premiums if you insure a newer vehicle.

Indeed, newer vehicles are sometimes more expensive to insure than older vehicles. However, this is not always the case.

More expensive vehicles are typically more costly to insure than less expensive vehicles. Newer vehicles are often more expensive than older vehicles.

However, newer vehicles also offer improved safety over older vehicles, and insurance providers charge less to insure safer vehicles. This factor makes it so that some newer vehicles might be less expensive to insure than older ones.

You should choose minimum coverage when you buy auto insurance.

You want to get more than minimum coverage so that you have more financial protection behind the wheel. Minimum coverage won’t include collision and comprehensive coverage that pays for repairs for damage that your own vehicle experiences in an accident.

Motorists in Pearland, TX can come to us for an auto insurance policy quote. Call us at Barry Insurance Group, and we’ll happily answer all your auto insurance questions.

How workers compensation insurance can protect both you and your employees

Posted on May 31, 2023May 31, 2023 by admin

In today’s world, businesses here in the Pearland, TX area need to have adequate workers’ compensation insurance in place. At Barry Insurance Group, we know that this type of insurance is critical for protecting their employees and can also provide vital protection to the business owners.

Workers’ compensation insurance provides financial protection if an employee is injured on the job and cannot work. This means that the employer pays for medical expenses related to the injury and any temporary or permanent disability payments the worker may be entitled to. This helps ensure that your employees are taken care of no matter what happens, and you don’t incur any financial liability from their injuries or illnesses.

Similarly, workers’ compensation insurance can help protect business owners from lawsuits from workplace injuries or accidents. Suppose an employee decides to sue a company over health concerns related to their work environment. In that case, the business owner will be protected by their worker’s comp policy against potentially crippling damages awards and legal fees.

Workers’ compensation insurance is a must-have for all businesses, regardless of size or industry. It provides peace of mind knowing that both your employees and yourself are protected from potential financial liability arising from workplace injuries or illnesses.

For more information or to explore a worker’s compensation policy to protect your business, call us at Barry Insurance Group today. You will sleep better knowing your employees and your business, and you will be protected in case of an accident. We proudly serve the Pearland, TX area and would happily help you find a policy that meets your needs and budget.

Five Things You Should Know About Home Insurance

Posted on April 30, 2023April 30, 2023 by admin

You are in the market to buy a new home. This is your first home, and you have no idea what you are doing, but you know you need home insurance. Keep reading to find five things you should know about home insurance.

Do your research before you buy

One of the most important things you should do is research the available home insurance options. The cost of home insurance varies between insurance companies. Researching the options can save you a lot of money.

Not everything is covered by home insurance.

Most people who buy home insurance think they are covered for anything that happens. Unfortunately, there are some things that most home insurance policies won’t cover. Some of the things that typically aren’t covered include:

Regular wear and tear
Flooding
Mold
Earthquakes
Pests

If you want protection from flooding and earthquakes, you must get separate insurance covering those.

Basic coverage options available

A few basic coverage options are similar across most insurance companies. These coverage options include:

Dwelling coverage
Other structures coverage
Bodily injury liability
Property damage liability
Personal belongings coverage
Loss of use coverage

Check with your insurance company to see what types of home insurance coverage are offered just to be sure.

Actual cash value vs. replacement cost

It is important to know what each of these terms means because they are very different from each other. The actual cash value is the amount it would take to repair or rebuild your home after depreciation. The replacement cost is how much it would take to rebuild your home without considering depreciation.

Some insurance companies have discounts.

Every insurance company is different in what they have available for discounts. It is essential to check with your insurance company to find out what discounts they might have available. You might be able to save a little bit.

Contact Barry Insurance Group

If you are in the market for home insurance, stop by or contact us at Barry Insurance Group in Pearland, TX.

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