Services We Provide
Here at GNS Insurance Services, Inc. customer service is our number one
priority. One of the most important aspects of customer service is making sure
you have the proper amount of coverage to avoid additional financial strain in the
event of a loss. Texas is such a big state that different Hazards occur according
to location.
We here at GNS are very familiar with the Hazards in each area and will go over
your policy with you to be sure that you have the coverage that meets the need.
Here at GNS Insurance Services, Inc. customer service is our number one
priority. One of the most important aspects of customer service is making sure
you have the proper amount of coverage to avoid additional financial strain in the
event of a loss. Texas is such a big state that different Hazards occur according
to location.
We here at GNS are very familiar with the Hazards in each area and will go over
your policy with you to be sure that you have the coverage that meets the need.
 | Commerical Insurance | |
| Auto Insurance | |
| Homeowners Insurance | |
| Condominium Insurance | |
| Renters Insurance | |
| Health Insurance | |
| Home Warranty | |
| Flood Insurance | |
| Disability Income | |
| Life Insurance | |
| Long Term Care | |
DEFINITIONS OF COVERAGE
- Hazard Insurance – protects against loss from fire, lightning and wind
related damage. This is always required by mortgaged loans.
- Actual Cash Value – this type of policy covers for value at the time of loss,
which includes depreciation for age and condition of dwelling.
- Replacement Cost – replaces or repairs at current cost without
depreciation for age or condition. Total loss = policy limits.
- Loss of Rents aka Fair Rent Value – in the event of a covered loss, if
home is not habitable, will reimburse for loss of rents up to the policy
limits.
- Vandalism and Malicious Mischief – covers intentional acts of damage to
property by vandals or a malicious act. Will not cover damage for poor
housekeeping and maintenance by tenants.
- Deductible- the portion of the claim that is not covered by the insurance
provider. The normal deductible option in Texas is 1% of the dwelling
coverage.
- Accidental Water Discharge- provides coverage for dwelling damage due
to accidental discharge, leakage or overflow of water from appliances,
plumbing, heating or air conditioner.
- Flood- is not included in a Texas Dwelling Policy. We do have coverage
available, just ask.
Services
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Gracious
Noble
Servants
Noble
Servants
