624 W Main St. Ste 101, League City, TX 77573

Insurance for the Boat Enthusiast

As residence of the Texas Gulf Coast and Clear Lake area, like me most enjoy the waterfront and boating.  Boat Insurance is very affordable and with so many options of coverage available. At Paula Smith Insurance we offer many different coverage options and packages for boat owners.  Whether you prefer the minimum coverage, have a classic boat or high performance… Read more

Uninsured Motorist Coverage – Why Your Motorcycle Coverage Should Include It

In the state of Texas, uninsured and/or underinsured motorist is optional.  You may reject the coverage in writing but it is still important to have whether you are in League City or the surrounding Galveston area.   Obviously, you are much more exposed on a motorcycle to injuries and there are lots of drivers who either have no insurance or they carry… Read more

Does Your Texas Residence Need Flood Insurance?

League City has two flood plains, the 100 year and the 500 year.  Even if your home is located in the 500 year flood plain, acts of nature are unstoppable. In April of 2009 heavy rains caused flooding in areas of League City that were located in the 500 year flood plain.  Heavy downpours, stopped up rainwater drainage systems or… Read more

Homeowners Insurance Can Have Special Challenges

Home Insurance in places such as Kemah, Tx can be challenging because of the specialized risk that comes with living in this beautiful coastal community.   Most Home Insurance policies will NOT cover you for Windstorm, Hurricane, Hail or Flood which are all needed coverages in this bayside area. Be sure you are working with a local agent who is familiar… Read more

Windstorm, Hurricane and Hail Insurance in Galveston Co.

Windstorm, Hurricane and Hail are excluded from most homeowner’s insurance policies in Galveston County. Windstorm coverage is obtained by a separate policy that covers only these perils.  It’s very important to work with an agent that understands the specialized nature of coastal areas and can provide solutions to these risks.   Major carriers exclude Windstorm Hurricane and Hail in our area… Read more