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CALL US AT 210-348-8877 FOR INSTANT PRICE QUOTES

North Star Insurance & Tax is an independent insurance agency representing over 25 companies in Auto – Home – and Commercial Insurance.

North Star Insurance Agency was established in 1988 and has over 30 years of experience

serving your Insurance needs. Low Rates and great Service is our #1 goal.

Joe M Gonzalez is the Agent and Owner and has over 30 years of experience and is a licensed P&C agent, and also a licensed Life Insurance Agent.

Esther Hernandez, has been with North Star Insurance & Tax for over 15 years. She is a License Agent and has expert knowledge of Auto and Homeowners Coverages. Along with knowledge for most Commercial Risk and coverages. She provides excellent customer service and speaks both English and Spanish.

Low Prep fees ! We do Personal returns, Self-emp Returns, W-2, 1099’s, Up to $7000 advance

Joe M Gonzalez- Tax Preparer ………………… Esther Hernandez – Tax Preparer

Low Cost Fire And Homeowners Insurance

Call for quote at 210-348-8877

What is the difference between homeowners insurance and fire insurance?

Fire insurance can refer to coverage for your home’s structure in the event of a fire. More accurately, homeowners insurance is typically the type of insurance that can help pay to repair your home in the event of a fire. Fire insurance isn’t a separate policy from your standard homeowners policy.

What are the six categories typically covered by homeowners insurance?

Generally, a homeowners insurance policy includes at least six different coverage parts. The names of the parts may vary by insurance company, but they typically are referred to as Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments coverages.

Low cost Auto Insurance rated thru 15 companies incl PROGRESSIVE

FULL COVERAGE – LIABILITY ONLY – SR22 –NON OWNERS

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What are the 5 basic types of auto insurance?

The most common types of car insurance coverage include liability, collision, personal injury protection, uninsured and underinsured motorist, comprehensive, and medical payments.

Auto Insurance Basics

Policy Components

Think of your auto insurance policy as six separate policies. Some types of coverage are required by state law, depending on where you live. Others are optional. Consider each one and ask yourself how much you need. Each type of coverage has its own premium. Add them up and you’ve got the price of your auto insurance policy. Subtract the ones you may not need and you gain some control over the cost.

1. Bodily injury liability (BI) coverage covers you if you cause an accident in which someone else is hurt or killed. State laws differ as to how much you are required to carry. Many financial experts recommend carrying at least $100,000 per person and $300,000 per occurance – commonly expressed as “100/300.” Consider what assets you have to protect and what you can afford when deciding how much to purchase.
2. Property damage liability (PD) coverage covers you when you damage someone else’s property. Usually it’s someone else’s car, but it could apply to buildings, utility poles, garage doors, and other physical property. State laws determine the minimum you must purchase.
3. Collision coverage covers damage to your car if you run into another car, a brick wall, a fire hydrant, or other object. This coverage is not required by law, though your bank may require it if you have an auto loan. You may choose a deductible on this coverage—what you must first pay out-of-pocket for a claim before the insurance kicks in.
4. Comprehensive coverage covers you in case your car is stolen or damaged in ways that don’t involve a collision. Covered risks include hail, fire, theft, flood, earthquake, explosion, falling objects, and encounters with wildlife, such as deer. Comprehensive is optional coverage, though your bank may require it if you have an auto loan. You may choose a deductible on this coverage.
5. Uninsured/Underinsured motorist (UM/UIM) coverage covers medical and other expenses when you are hit by a driver without adequate auto insurance. Whether this coverage is mandatory or optional depends on your state laws. You can purchase additional coverage to pay for damage to your car if hit by an uninsured motorist, but many people instead just purchase collision and comprehensive.
6. Medical payments coverage (Med Pay, or MPC) acts as primary coverage for medical expenses you and your passengers incur if injured in a motor vehicle accident, regardless of fault. States have different laws regarding this coverage.

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