Frequently Asked Questions – Montoya Insurance Group, LLC

Yes. Your landlord’s policy only covers the building itself, not your personal belongings. Renters insurance protects your furniture, electronics, and clothing — plus liability if someone gets hurt in your apartment.

Absolutely. Bundling your home and auto policies often saves money and simplifies your insurance management.

Liability covers damage or injury you cause to others, while full coverage also protects your own vehicle from accidents, theft, hail, or vandalism.

Yes. We provide both term and whole life options to help protect your family’s financial future.

It’s not required by law, but many landlords, lenders, and clients will ask for proof. It’s also essential protection against lawsuits and accidents.

General liability covers accidents (like a customer slipping on your floor). Professional liability (E&O) covers mistakes, negligence, or bad advice in your professional services.

Texas doesn’t mandate it for all businesses, but many industries and contracts require it. It also protects you financially if an employee is injured on the job.

Yes. We offer commercial auto and fleet coverage, including trucking and hazardous materials transport.

Yes. Montoya Insurance Group proudly serves clients in both English and Vietnamese.

In most cases, you’ll receive your personalized quote within 1 business day of submitting your request.

As an independent agency, we partner with multiple top-rated carriers to shop for the best coverage and rates on your behalf.

Yes. Most of our carriers offer online payment portals, and we’ll help you set that up when you choose a policy.

We accept Visa, Mastercard, American Express, Discover, debit cards, and checks.