HOUSTON WEATHER ALERT

Comprehensive Auto Insurance Houston

Houston Weather + Auto Theft = Why You Need This Coverage

"Hurricane Harvey caused $125 billion in damage. Hail storms hit Houston 15+ times per year. Auto theft increased 30% in 2024. Without comprehensive coverage, you pay for everything."

Houston's Weather: Your Car's Biggest Enemy

Real damage costs from Houston's extreme weather events

Hurricane & Flooding

Hurricane Harvey (2017)

  • • 600,000+ vehicles flooded
  • • Average repair cost: $15,000
  • • Total loss rate: 85%
  • • Replacement cost: $25,000+

Without comprehensive: $25,000 out-of-pocket

With comprehensive: $500 deductible

Hail Storms

Annual Hail Events: 15+

  • • Golf ball size hail common
  • • Windshield replacement: $800
  • • Body damage repair: $5,000+
  • • Paint damage: $3,000+

Without comprehensive: $8,800 out-of-pocket

With comprehensive: $250 deductible

Auto Theft

2024: 30% Increase

  • • Houston ranks #3 in Texas for auto theft
  • • Average vehicle value: $28,000
  • • Recovery rate: Only 60%
  • • Vandalism during theft common

Without comprehensive: $28,000 loss

With comprehensive: $500 deductible

Houston drivers face $50,000+ in potential comprehensive losses annually

Comprehensive coverage costs about $200/year

What Comprehensive Coverage Actually Protects

Everything except collision with another vehicle

Weather Damage

Nature's assault on your vehicle

  • • Hurricane and tropical storm damage
  • • Flooding from heavy rains
  • • Hail damage to body and glass
  • • Wind damage from debris
  • • Lightning strikes
  • • Tornado damage

Theft & Vandalism

Criminal activity protection

  • • Vehicle theft (entire car)
  • • Attempted theft damage
  • • Vandalism and malicious mischief
  • • Broken windows and slashed tires
  • • Stolen parts and accessories
  • • Graffiti and paint damage

Animal Collisions

Wildlife encounter protection

  • • Deer collisions on rural roads
  • • Bird strikes on windshields
  • • Domestic animal accidents
  • • Roadkill avoidance damage
  • • Large animal impacts
  • • Pest damage to wiring

Fire & Explosion

Thermal damage coverage

  • • Vehicle fires from any cause
  • • Explosion damage
  • • Electrical fire damage
  • • Arson protection
  • • Nearby fire damage
  • • Smoke damage

Glass Damage

Complete glass protection

  • • Windshield replacement
  • • Side window damage
  • • Rear window replacement
  • • Sunroof glass damage
  • • Mirror replacement
  • • Headlight and taillight lenses

Falling Objects

Overhead hazard protection

  • • Tree branches and limbs
  • • Construction debris
  • • Rocks and road debris
  • • Building materials
  • • Ice and snow damage
  • • Aircraft parts (rare but covered)

Real Houston Comprehensive Claims We've Handled

When comprehensive coverage saved our customers thousands

The Woodlands Hail Storm

April 2024 - Golf Ball Size Hail

Customer: Sarah M., 2022 Honda Accord

Severe hail storm damaged hood, roof, trunk, and shattered windshield. Body shop estimate showed extensive damage requiring paint work and panel replacement.

Repair Estimate:$12,400
Customer Deductible:$250
Insurance Paid:$12,150

"Without comprehensive, I would have had to pay $12,400 or drive a damaged car. The coverage paid for itself 60 times over in one storm."

Galleria Area Auto Theft

September 2024 - Vehicle Recovery

Customer: Michael R., 2021 Ford F-150

Truck stolen from hotel parking lot. Recovered 5 days later with extensive damage - stripped interior, damaged ignition, broken windows, and vandalism throughout.

Vehicle Value:$35,000
Repair Estimate:$18,500
Customer Deductible:$500
Insurance Paid:$18,000

"The thieves destroyed my truck, but comprehensive coverage made me whole. Without it, I'd be out $18,500 and still making payments on a worthless vehicle."

Katy Flooding Incident

June 2024 - Flash Flood

Customer: Jennifer L., 2020 Toyota Camry

Caught in flash flood on I-10. Water reached dashboard level, causing total electrical failure and engine damage. Vehicle declared total loss.

Vehicle Value:$22,000
Loan Balance:$19,500
Customer Deductible:$500
Customer Received:$21,500

"Comprehensive coverage paid off my loan and gave me money for a down payment on a new car. Without it, I'd still be paying for a flooded car I couldn't drive."

Spring Vandalism Case

March 2024 - Malicious Damage

Customer: David K., 2019 BMW 3 Series

Vehicle vandalized in apartment complex. Keyed paint, slashed tires, broken windows, and damaged mirrors. Security cameras captured the incident.

Paint Repair:$4,200
Glass Replacement:$1,800
Tire Replacement:$800
Mirror Replacement:$600
Total Damage:$7,400
Customer Deductible:$250
Insurance Paid:$7,150

"Random vandalism could have cost me over $7,000. Comprehensive coverage meant I only paid $250 and got my car back to perfect condition."

Comprehensive Coverage: Cost vs. Protection

Why spending $200/year can save you $25,000+ in losses

Without Comprehensive Coverage

Annual Premium Savings:$200

Potential Out-of-Pocket Costs:

  • • Hail damage repair: $8,000
  • • Theft/vandalism: $15,000
  • • Flood damage (total loss): $25,000
  • • Fire damage: $30,000

Risk Exposure: Up to $30,000+

With Comprehensive Coverage

Annual Premium Cost:$200

Maximum Out-of-Pocket Costs:

  • • Hail damage: $250 deductible
  • • Theft/vandalism: $500 deductible
  • • Flood damage: $500 deductible
  • • Fire damage: $500 deductible

Maximum Cost: $500 deductible

Spending $200/year protects you from $30,000+ in potential losses

That's 15,000% protection for your investment

Don't Let Houston Weather Destroy Your Investment

Get comprehensive coverage and protect your vehicle from everything except collision

Baxter Insurance Agency, Inc. | 450 N. Sam Houston Pkwy E. #103, Houston, TX 77060
Licensed Texas Insurance Agency | Serving Houston Since 1989