Insurance FAQs | Chase One Agency LLC Rockwall TX

Do I need auto insurance in Texas?
Yes. Texas law requires all drivers to carry minimum liability insurance. Chase One Agency can help you meet the legal requirement — and explore additional coverage for better protection.
What is the minimum auto coverage in Texas?
The state minimum is 30/60/25, which means:

$30,000 for bodily injury per person
$60,000 per accident
$25,000 for property damage
What does full coverage include?
“Full coverage” typically refers to liability, comprehensive, and collision insurance. It may also include uninsured motorist protection and medical payments.
Can I bundle auto and home insurance?
Yes. Bundling policies often results in discounts and streamlined billing. Ask us about auto + home or auto + life insurance packages.

Is homeowners insurance required in Texas?
It’s not legally required, but mortgage lenders will require it if you're financing your home. It’s also highly recommended to protect your investment.
What does homeowners insurance cover?
Typical policies include dwelling coverage, personal property protection, liability, and loss-of-use coverage if your home becomes temporarily uninhabitable.
Does homeowners insurance cover flooding or earthquakes?
No. Flood and earthquake insurance require separate policies. We can help you add those protections if needed based on your location.
Do you insure condos, mobile homes, or rentals?
Yes. We offer condo insurance, mobile home insurance, landlord coverage, and renters insurance — all customized for your property type.

What’s the difference between term and whole life insurance?
Term life covers you for a set number of years (e.g., 10, 20, or 30), while whole life provides permanent coverage and builds cash value over time.
How much life insurance do I need?
This varies depending on your income, debts, dependents, and financial goals. Many experts recommend 10–12 times your annual income.
Can I get life insurance without a medical exam?
Yes. We offer simplified issue policies with no medical exam required, ideal for those who want fast, hassle-free coverage.
What types of health insurance plans do you offer?
We offer individual, family, short-term, and marketplace ACA health plans, as well as supplemental options like dental, vision, and critical illness.

What types of business insurance do I need?
It depends on your business type and risk profile. Most businesses need at least general liability and property insurance. You may also need workers' comp, commercial auto, or professional liability.
Is business insurance required by law in Texas?
Not all coverage is legally required, but certain industries may need workers’ comp or other policies. Many landlords and contracts also require proof of insurance.
What is a Business Owners Policy (BOP)?
A BOP combines general liability and commercial property insurance into one affordable package, ideal for small to mid-sized businesses.
Do I need insurance for my company vehicles?
Yes. If you use vehicles for business purposes, you’ll need a commercial auto policy. Personal auto insurance doesn’t cover business-related use.

How do I get a quote?
Contact us by phone, email, or stop by our Rockwall office. Our licensed agents will gather some basic information and provide personalized quotes — often the same day.
Can I change my coverage after I purchase a policy?
Yes. You can make updates at any time. We’ll help you adjust coverage as your needs evolve — whether that’s a new car, new home, or business expansion.
Do you offer coverage outside of Rockwall?
Yes. While we’re based in Rockwall, we serve clients across the entire state of Texas.
Do you offer bilingual service?
Yes. Se habla Español. We proudly serve a diverse client base and ensure clear communication for every policyholder.

Frequently Asked Questions | Chase One Agency LLC