ABM Insurance, located in Houston, TX, is an independent agency providing a wide array of insurance products - life, health, auto, homeowneraEs, flood, business, and marine insurance, competitively priced, to serve individuals and businesses across the State of Texas. At ABM Insurance, we offer customized solution to meet your insurance needs. We will strive to get you the best price with the most comprehensive coverage on any insurance product that you and your business need. In addition to our insurance service, we also offer Real Estate and Air Conditioning services to better serve you.
Services
Auto Insurance protects an insured from financial losses in case of having an accident. There are six different types of coverages provided by an auto policy: liability, uninsured/underinsured motorist, PIP/medical, collision, comprehensive, transportation expenses, towing & labor costs. Most auto policies are sold for 6 month periods, but there are some carriers that sell them on an annual basis. Primary rating factors affecting premium are age, sex, marital status, territory, use of the auto, good student discount, driver education credit.
Home Insurance protects an insured from financial loss caused by disasters. A homeowner's policy usually combines the following six coverages in one single policy: dwelling, other structures, personal property, personal liability, loss of use, medical payments to others. Flood damage due to rising water, however, is not covered by the home insurance.
Life Insurance is an insurance policy that will pay the insured's beneficiary a fixed amount of money, called face amount, when the insured dies. There are two types of life insurance: term and permanent. Since each insured's need of life insurance is unique, the rule of thumb for determining the face amount is 10 to 20 times the annual gross income.
Basic Medical Expense Coverages include hospital expense insurance, surgical expense insurance, physicians' visits insurance, and coverage for additional medical services. Hospital Expense Insurance covers medical expenses while the patient is in the hospital, such as daily room-and-board and miscellaneous expenses incurred during the hospital stay.
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