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The Facts About Other Texas Insurance

At Dormer Insurance Services, our insurance professionals will find you to find the right coverage for life's unexpected occurrences.

Life Insurance

This type of insurance provides protection for your family in the event of your untimely death. Just take a moment and imagine what would happen to your family right now if you could no longer be there to support their needs. Could they remain in their current home? Would they face thousands of dollars in bills they could not afford? Employers commonly provide life insurance to employees' equal to two (2) times annual salary. If you are like a typical family, you spend most of what you make each payday. That said, what will your survivors do after two (2) years? Think about it!

Life insurance is for your survivors to maintain their lifestyle and is the ultimate expression of your love for your family. We offer affordable term life insurance as well as permanent plans. Ask our insurance professional today, we are here to help. And just like our other product lines, we shop multiple companies to find you the best value for your insurance dollar.

Long-Term Care Coverage

It is a fact that people are living longer today, especially with advances in medicine that we have seen over the years. However, at some point in life as we grow older, there may be a need for assistance with Activities of Daily Living (ADL's) such as eating, bathing, dressing, toileting, transferring (walking) and continence. The odds are approximately 1 to 2 ½ that we may need some or all of this type assistance.

Alzheimer's is a cognitive impairment and according to TIME magazine, "Even in the 65-and-older age group, only 15% of people with mild cognitive impairment will go on to develop Alzheimer's disease."

Assisting a person to perform activities of daily living and/or supervision and assistance for someone suffering from a severe cognitive impairment is non-medical care, commonly referred to as Custodial Care or Personal Care. Most health insurance plans do not cover Custodial or Personal care but are limited to acute or rehabilitative skilled-care. Long Term Care Insurance plans were therefore designed to cover these services.

We can help with all of these concerns. Turn to our experienced long term care professional today at Dormer Insurance to discuss Long Term Care.

Flood Insurance

A "flood" is defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more adjacent properties (at least one of which is the policyholder's property) from:

  • Overflow of inland or tidal waters; or
  • Unusual and rapid accumulation or runoff of surface waters from any source; or
  • Mudflow; or
  • Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood.

Texas Homeowners Insurance does not provide protection from damages to a structure or to contents caused by flooding and it is necessary for property owners to have a separate flood insurance policy to cover a loss cause by a flood. Dormer Insurance Services throughout Kingwood, Humble, Atascocita and other parts of Texas.

Dormer Insurance Services

13 N Main St • Town Center
Kingwood, TX 77339

Phone: 281-360-3252
Toll Free: 1-866-982-3252
Fax: 281-360-0229

ed.dormer@dormerins.com

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