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    Misty Emmons Insurance Agency

    2402 Nall St, Port Neches, TX 77651

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    P: 409-722-8189

    mistyemmons224@gmail.com

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    8AM - 5PM

    Monday to Friday

Get Instant Help Frequently Asked Questions

  • What is gap insurance?

    Gap insurance fills the gap between what your insurance company pays and for accident or theft, and what you owe on an existing car loan. Car insurance pays out depending on your car’s current value. Because many cars lose value quickly, you may find yourself in a situation where you owe more on a loan than what the car is actually worth — for instance, you buy a $30,000 car and in one year it is valued at $22,000, but you still have $25,000 left on your loan. Gap insurance covers that $3,000 difference between its value and what you still owe the dealer. Gap insurance typically adds another 5% to your total car insurance bill. For more info: Call 409-722-8189 or - you can email at This email address is being protected from spambots. You need JavaScript enabled to view it.
  • When should I buy car insurance?

    You should buy auto insurance before you begin driving, as it’s required in Texas. Driving without insurance is illegal and leaves you financially vulnerable. For more information - Call 409-722-8189 or you can email at This email address is being protected from spambots. You need JavaScript enabled to view it.
  • What kinds of Insurance discounts are available?

    Call for the answer to this question -  Call 409-722-8189 or you can email at This email address is being protected from spambots. You need JavaScript enabled to view it..
  • Does my car insurance cover other drivers?

    It depends on the specific policy. Your policy may have an “omnibus clause” that covers any driver who has permission to use your vehicle (known as permissive drivers). If an insured driver drives your vehicle, yours will be the primary insurance and theirs will offer secondary coverage. The best way to make sure that your car insurance covers another person is to have them listed as a named driver on the policy. Speak to someone at Misty Emmons insurance Agency before you let someone borrow your car if you’re unsure whether or not your specific policy will cover them.  Call 409-722-8189 or you can email at This email address is being protected from spambots. You need JavaScript enabled to view it.
  • Does my vehicle affect my car insurance rates?

    Yes. The market value of your car and the history of other drivers with the same make and model play a factor in your auto insurance rates. Certain safety features may not automatically qualify you for cheaper car insurance, but they can prevent you from getting into accidents, saving you money indirectly. For more information - Call 409-722-8189 or you can email at This email address is being protected from spambots. You need JavaScript enabled to view it.
  • What car insurance discounts are available?

    Available discounts depend on your insurer. However, common car insurance discounts include various affiliation discounts, reduced rates for students, good driver/no-accident discounts, and hybrid vehicle discounts.  Additionally, insurers will often offer lower rates to policyholders who bundle different insurance products together, such as homeowners insurance and auto insurance. For more information - Call 409-722-8189 or you can email at This email address is being protected from spambots. You need JavaScript enabled to view it.
  • Does car insurance cover rental cars?

    Comprehensive and collision coverage extends to rental cars, while liability insurance does not. You should check your policy to see if coverage applies to rental vehicles and, if so, what stipulations or limitations there may be. If your policy does not offer rental car coverage, you may have some limited coverage from your credit card; you can purchase insurance from the rental car company, or you can shop for a standalone rental car policy (that is typically cheaper than what the rental company will offer).  Call 409-722-8189 or you can email at This email address is being protected from spambots. You need JavaScript enabled to view it. for more information.
  • Do I need rideshare insurance?

    Obviously, if you don’t drive for Uber, Lyft, or another rideshare company, you don’t need rideshare insurance. But if you drive as your full-time job or just to make ends meet, supplemental rideshare insurance may be valuable. Rideshare trips are divided into “periods.” Period 1 is when the driver has the rideshare app open but hasn’t matched with a passenger; Period 2 is when the driver and passenger are matched but the passenger hasn’t been picked up; and Period 3 is when the passenger is in the car. Rideshare companies provide coverage throughout, but especially during Period 1, this coverage can be limited. Rideshare insurance is offered as an add-on to a driver’s existing personal policy and bridges the gap in coverage during Period 1 (and, sometimes, offers more comprehensive coverage in Periods 2 and 3). Many popular auto insurance companies now offer rideshare insurance. Ask your agent at Misty Emmons Insurance Agency.  Call 409-722-8189 or you can email at This email address is being protected from spambots. You need JavaScript enabled to view it.
  • How do I know if I have enough insurance on my house?

    Forget real estate market value. The insurance value is all about construction costs. In some cases the cost to rebuild might exceed the resale value of your home, especially in a depressed housing market when construction materials and labor costs remain stable as housing prices decline. In other cases, the cost to rebuild your home might be below its market value. The real estate value, after all, includes the land, which isn't factored into the cost to replace the building. Misty Emmons insurance can provide guidance on the appropriate coverage amount. Many victims of disasters find out too late that their homes were underinsured.  Don't be one of them! Call 409-722-8189 or you can email at This email address is being protected from spambots. You need JavaScript enabled to view it.
  • Does home insurance cover roof repair?

    The answer depends on what caused the roof damage. Home insurance does not cover damage due to normal wear and tear. Homeowners bear the financial responsibility to maintain the property, which means replacing old items when they wear out. However, if a peril covered by the home insurance policy damaged the roof, then the insurance company would pay for the repair, minus the deductible. Damage from hail, snow, and ice, fallen trees and lightning would be covered, for instance. Contact your Misty Emmons insurance for details and for guidance in filing a claim if the damage is covered. If full roof replacement is in order, ask about home insurance discounts for impact-resistant roofing materials. Some roofing products qualify for discounts because they are less prone than standard shingles to damage from hail, flying debris and wind. Impact-resistant shingles cost more than standard shingles, but with the insurance premium discount, they can pay for themselves in a few years. For more information Call 409-722-8189 or you can email at This email address is being protected from spambots. You need JavaScript enabled to view it.
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