› › › ABOUT TATUM INSURANCE ‹ ‹ ‹
Who Are We?
Tatum Insurance LLC is dedicated to helping you find the customized insurance package you need to protect yourself, your family, and your assets. We utilize a national network of providers to find the best quotes for auto, life, motorcycle, renters, boat, home, and business insurance.
Everybody’s life situation is unique, so their insurance package should be as well. We start with a conversation to evaluate your coverage needs. From there, we determine the best combination of sources to fill gaps in coverage. Tatum Insurance is on your team when it comes to our carrier selection. We get quotes from major insurance carriers to provide you with the best insurance coverage options. The ability to receive quotes from multiple providers gives us the flexibility to offer a customized package that is truly client first.
› › › INSURANCE AGENCY YOU CAN TRUST ‹ ‹ ‹
why Choose Us For Your Insurance Needs?
As an independent insurance agency, our advice is unbiased because we represent several insurance companies. We offer you a wide variety of policies and coverage based on your needs. Tatum insurance will help you find competitive policies and make sure you are adequately covered. We are here to help you through life’s changes. You might be adding your teen driver to your auto policy, starting a business, buying your home, getting married, or renovating your house, Tatum insurance has got you covered. Here are some of the policies we offer:
- Auto Insurance Policies
- Business Insurance Policies
- Life Insurance Policies
- Home Insurance Policies
- Renters Insurance Policies
- Motorcycle Insurance Policies
- Boat Insurance Policies
Overview On Some Of Our Services
Tatum insurance will help you to get auto insurance to help protect you from financial loss, if you’re involved in an accident. You will also be protected from certain natural events. In Texas, it is mandatory for drivers to purchase and maintain minimum liability insurance. Auto insurance is required for car inspection and registration. Personal Injury Protection: $2,500 unless you reject this coverage
At Tatum, we offer you expert advice and explain complex car insurance terms in a way you will understand.
Homeowners insurance protects you and your home from unfortunate events which may include fire, theft, windstorms, and lightning. Purchasing a homeowners policy in Texas can be puzzling, and at Tatum insurance, we understand this. We shop multiple carriers to get you and your family the best coverage to fit your needs. Homeowners policies in Texas include the following coverages:
- Dwelling: Reimburses you if your house is damaged or destroyed by a covered event.
- Personal Property: Compensates you when your personal belongings are stolen, damaged, or destroyed by a covered loss.
- Other Structures: Pays for repair of structures on your property, damaged in a covered loss that are not directly attached to your house.
- Loss of Use aka: Additional Living Expenses (ALE): Helps pay for things like hotel costs, groceries and other expenses should your home need to be repaired or rebuilt after a covered loss.
- Liability Protection: Protects you financially if you’re responsible for injuries or damage to others.
- Medical Payments: Helps to pay for expenses related to an injury that occurs on your property whether you are found liable or not.
Tatum insurance understands your loved ones depend on you financially. That’s why life insurance coverage is a must. It helps replace your income when you’re deceased. This is important for parents with young children or for an adult who is financially dependent on their partner. At Tatum Insurance, we can help you find a life insurance policy to support your household when you can’t.
Life insurance policies available in Texas include:
- Term Life: It protects you against death for a specific period. Usually from 10 to 30 years. Once the term ends, you can renew the policy until age 95.
- Universal Life: This is permanent life insurance it doesn’t have a specific end date. It accumulates cash value annually which provides financial support much later.
- Whole Life: This is also permanent insurance with a cash value accumulation feature. It can assist with settling debts, supplement a term life policy, or provide supplemental income for your loved ones.
Your landlord has probably insured the building where you live. There’s a common misconception that the building coverage extends to your personal belongings when the unexpected happens. This is not correct; you are responsible for your belongings in the property you rent to live in should a covered loss occur. Your personal property is not the responsibility of the property owner. Many landlords require renters insurance in Texas as a condition of your lease.
A typical renters insurance policy has the following coverage for a covered loss:
- Personal Property Coverage: Compensates you to repair or replace your property up to your policy’s limit.
- Personal Liability: Provides coverage if you’re held legally responsible for injuries or property damage to others, up to your policy’s limit.
- Loss of Use: Pays for reasonable additional living expenses when your home is temporarily uninhabitable due to a covered event.
From day one of starting a business, you are exposed to certain risks, which is why you need business insurance. One catastrophic event or lawsuit is enough to wipe out a small start-up even before it gets off the ground.
In Texas, it’s not mandatory for small businesses to have workers compensation coverage. However, your company is still responsible for injuries sustained by employees while working. Texas law allows someone injured at work up to two years to file a lawsuit. You could be still at risk of a lawsuit long after an injury happens. Our experienced team of experts at Tatum insurance will advise you accordingly, and find the best business insurance coverage to protect your organization. We will provide information and advice about the following policies:
- Business Owner’s policy (BOP)
- Workers Compensation
- General Liability
- Cyber Liability
- Property Insurance and more!
Texas has the highest number of motorcycle owners than any other state, and having motorcycle insurance is required. A motorcycle insurance policy protects you, and your motorbike from injuries and accidents that may occur while riding. In Texas, there’s a special law for motorcycle riders called the Texas Helmet Law. It requires riders and passengers of motorcycles, scooters, and mopeds of all ages to wear an approved safety helmet while riding.
At Tatum Insurance, we will explain motorcycle insurance in simple terms so you can understand how insurers handle policies. We will help you find the best coverage for your needs.