What types of insurance does DuVal Insurance Agency offer?

DuVal Insurance Agency provides auto, home, flood, life, boat, and commercial insurance. Each policy is designed to protect against specific risks, from property damage to liability exposure. We help clients choose coverage that fits their needs in Richmond, Katy, and surrounding Texas communities.


How is flood insurance different from homeowners insurance?

Standard homeowners insurance does not cover flooding caused by rising water. Flood insurance is a separate policy that protects against flood-related damage to your home and belongings. In areas around Richmond and Katy, flood coverage is often an important layer of protection.


When should someone consider umbrella insurance?

Umbrella insurance is worth considering when your assets or liability risks exceed the limits of your home or auto policies. It provides additional liability protection for major claims or lawsuits. At DuVal Insurance Agency, we often recommend it for households with higher exposure.


What factors affect the cost of auto insurance?

Auto insurance costs depend on factors like driving history, vehicle type, coverage limits, and location. Safer driving records and bundled policies can lower premiums. At DuVal Insurance Agency, we compare multiple carriers to help find competitive options.


Can home and auto insurance be bundled together?

Yes, bundling home and auto insurance with the same carrier often results in lower premiums. It also simplifies policy management and renewals. We help clients review bundle options to balance savings with proper coverage.


Why is life insurance important for families?

Life insurance helps protect loved ones financially if something unexpected happens. It can cover funeral costs, outstanding debts, and lost income. DuVal Insurance Agency helps families choose coverage amounts that align with long-term financial goals.


How does commercial insurance protect a business?

Commercial insurance covers risks such as property damage, liability claims, and employee-related incidents. Coverage needs vary by industry and business size. At DuVal Insurance Agency, we tailor policies to match how your business actually operates.


How often should insurance coverage be reviewed?

Insurance coverage should be reviewed at least once a year or after major life changes like moving, buying a vehicle, or expanding a business. Regular reviews help ensure coverage stays aligned with current risks and property values.


Does flood insurance cover all water damage?

No, flood insurance only covers damage from rising surface water or flooding. It does not cover water damage from plumbing leaks or roof issues. Those situations are typically handled under homeowners insurance, which is why coverage coordination matters.