# Primesure Insurance Solutions

> Primesure is an independent insurance agency based in Houston, Texas that specializes in commercial property insurance for Texas property owners: shopping centers and retail plazas, gas stations and convenience stores, hotels and motels, apartments and multifamily, warehouses and industrial buildings, office and medical buildings, builders risk for construction projects, and multi-property real estate portfolios.

- Phone: (713) 367-1706
- E-mail: hello@primesureins.com
- Service area: the state of Texas
- Request a quote (about 2 minutes): https://primesureins.com/quote/

## Properties we insure
- [Shopping Centers & Retail Plazas insurance in Texas](https://primesureins.com/industries/shopping-centers/): Texas shopping center owners typically need building property insurance at replacement cost, loss of rents, general liability, an umbrella, ordinance or law, equipment breakdown and often flood — plus a system for tracking tenants' certificates. The biggest price drivers are roof condition and hail exposure, the tenant mix (restaurants especially) and the lender's requirements.
- [Gas Stations & Convenience Stores insurance in Texas](https://primesureins.com/industries/gas-stations-convenience-stores/): A Texas gas station or convenience store typically needs property coverage for the store, canopy, pumps and signs; general liability; storage tank pollution liability to meet federal and TCEQ financial-responsibility rules; liquor liability if it sells beer or wine; crime coverage for cash and lottery funds; and spoilage and equipment breakdown for coolers.
- [Hotels & Motels insurance in Texas](https://primesureins.com/industries/hotels-motels/): Texas hotels and motels typically need building and contents coverage at replacement cost, business income for lost room revenue, general liability with clearly understood security exclusions, an umbrella sized to brand standards, equipment breakdown, employment practices liability, and liquor liability if alcohol is served.
- [Apartments & Multifamily insurance in Texas](https://primesureins.com/industries/apartments-multifamily/): Texas apartment owners typically need building coverage at replacement cost, loss of rents, general liability, an umbrella, ordinance or law and equipment breakdown, with deductibles and wording that meet their lender's requirements. Year built, roof age, wiring and plumbing updates and loss history drive both price and availability.
- [Warehouses & Industrial insurance in Texas](https://primesureins.com/industries/warehouses-industrial/): Texas warehouse and industrial owners typically need building coverage at replacement cost, loss of rents, general liability, ordinance or law, equipment breakdown and often flood — plus a plan for vacancy between tenants, because standard property policies restrict coverage after 60 consecutive days vacant.
- [Office & Medical Buildings insurance in Texas](https://primesureins.com/industries/office-medical-buildings/): Texas office and medical building owners typically need building coverage, loss of rents, equipment breakdown for elevators and building systems, general liability for common areas and parking, an umbrella, and ordinance or law. The lease insurance clauses decide who insures tenant improvements.
- [Builders Risk & Construction Projects insurance in Texas](https://primesureins.com/industries/builders-risk-construction/): Texas property owners building or renovating typically need builders risk insurance written at completed value, with soft-cost and delay coverage for financed projects, theft and named-storm terms confirmed in writing, owner's interest liability, and permanent property and liability coverage lined up to start the day the building is occupied.
- [Commercial Real Estate Portfolios insurance in Texas](https://primesureins.com/industries/commercial-real-estate-portfolios/): Texas owners with several commercial properties often benefit from one coordinated program: blanket property limits, an up-to-date schedule of values, portfolio liability and a single umbrella, loss of rents across locations, lender compliance tracking and automatic coverage for new acquisitions.

## Guides
- [Commercial insurance coverage guide](https://primesureins.com/business-insurance/): plain-English explanations of property, business income, wind & hail, named storm & TWIA, flood, ordinance or law, equipment breakdown, liability, umbrella, liquor, storage-tank pollution, crime, EPLI, cyber, workers' comp and commercial auto.
- [Texas property risk guide](https://primesureins.com/texas-property-risk/): hail deductibles, TWIA coastal counties, NFIP flood limits, freeze and wildfire, by region.
- [How we work](https://primesureins.com/process/): a review of your policies and leases, placement with suited carriers, and service all year.
- [Policy check](https://primesureins.com/policy-check/): six questions to ask about a Texas commercial property policy.
- [About Primesure](https://primesureins.com/about-primesure/): the facts about the agency.

## Guides for property owners
- [Additional Insured vs. Certificate Holder: What Landlords Need](https://primesureins.com/insights/additional-insured-certificates-of-insurance-landlords/): As a certificate holder, you get proof of a tenant's insurance, not coverage. To be protected under a tenant's or contractor's liability policy, you need additional insured status by endorsement, plus a system to check it every year.
- [How to Choose a Commercial Insurance Agency in Texas](https://primesureins.com/insights/best-commercial-insurance-agency-texas/): Start by checking the license on the Texas Department of Insurance lookup. Then compare which insurers each agency can reach, its experience with your type of property, and how it handles certificates, renewals and claims.
- [How Does Builders Risk Insurance Work for Texas Construction Projects?](https://primesureins.com/insights/builders-risk-insurance-texas-guide/): Builders risk insurance covers a building while it goes up or is rebuilt, usually at its finished value. Who buys it, how it handles soft costs, theft, named storms and flood, and how it hands off to permanent coverage decide how well it works for your project.
- [How Do Business Income and Loss of Rents Coverage Work?](https://primesureins.com/insights/business-income-loss-of-rents-insurance/): Business income coverage replaces the income you lose, and pays expenses that continue, while covered damage is repaired. For landlords, the same coverage is often called loss of rents. The limit must last as long as the rebuild.
- [What Is Coinsurance, and How Do You Avoid the Penalty?](https://primesureins.com/insights/coinsurance-penalty-explained/): Coinsurance is a policy condition that requires you to insure your building for a set share of its value, often 80% or 90%. If your limit is too low, the insurer pays only part of every partial loss, even small ones.
- [Do You Need Flood Insurance for Commercial Property in Texas?](https://primesureins.com/insights/commercial-flood-insurance-texas/): Commercial property policies exclude flood, so Texas owners need a separate flood policy. NFIP coverage tops out at $500,000 per commercial building and pays actual cash value. Larger or busier properties often add excess or private flood.
- [How Should You Insure a Portfolio of Texas Commercial Properties?](https://primesureins.com/insights/commercial-real-estate-portfolio-insurance-texas/): Most Texas owners with several commercial properties do best with one coordinated program: property limits set from a current statement of values, deductibles tested against one big storm, liability with an aggregate for each location, and a single umbrella. Lender rules, entity names, coastal wind and flood decide where that program needs exceptions.
- [How Do You Insure a Gas Station or Convenience Store in Texas?](https://primesureins.com/insights/gas-station-insurance-texas-guide/): A Texas gas station usually needs property coverage for the store, canopy and pumps, a storage tank pollution policy that meets federal and TCEQ rules, general and liquor liability, crime and spoilage coverage. Whether you own or lease decides who buys what.
- [Hail Damaged Your Commercial Building? What to Do in Texas](https://primesureins.com/insights/hail-damage-commercial-property-claim-texas/): After hail, make the site safe, photograph everything, stop further damage and report the claim promptly. Then work out your deductible in dollars and how your roof is valued. Texas law also sets deadlines your insurer must meet.
- [How Do You Insure a Hotel or Motel in Texas?](https://primesureins.com/insights/hotel-insurance-texas-guide/): A Texas hotel or motel usually needs property coverage at rebuilding cost, business income based on your real room revenue, general liability, an umbrella, equipment breakdown and often liquor and employment practices coverage. Your franchise agreement and your location shape the rest.
- [How Do Commercial Property Insurance Claims Work in Texas?](https://primesureins.com/insights/how-commercial-property-insurance-claims-work-texas/): A Texas commercial property claim moves from notice and mitigation to inspection, proof of loss, a coverage decision and payment. Payment often comes as actual cash value first, with depreciation after repairs. State law sets deadlines for most insurers; TWIA follows its own.
- [How Much Does Commercial Property Insurance Cost in Texas?](https://primesureins.com/insights/how-much-does-commercial-property-insurance-cost-texas/): There is no honest single price. Your premium depends on how the building is built and used, its fire protection, its exposure to hail, wind and flood, and its value, roof, deductibles and claims history. Each one is a lever you can work on.
- [What Insurance Do Lenders Require on Commercial Real Estate?](https://primesureins.com/insights/lender-insurance-requirements-commercial-real-estate/): Most commercial lenders require replacement cost property coverage that names the lender, capped deductibles, liability and rent-loss coverage, and flood insurance for buildings in high-risk flood zones. Your loan documents set the exact terms.
- [How Do You Insure an Apartment Complex in Texas?](https://primesureins.com/insights/multifamily-insurance-texas-guide/): Texas apartments usually need building coverage at rebuilding cost, loss of rents, general liability, an umbrella and often flood. Carriers underwrite them closely, so liability exclusions, water and freeze deductibles and your lender's rules deserve a careful read.
- [How Do You Insure an Office or Medical Office Building in Texas?](https://primesureins.com/insights/office-medical-building-insurance-texas-guide/): Most Texas office and medical office buildings need building coverage at rebuilding cost, loss of rents, equipment breakdown for elevators and building systems, general liability for common areas and parking, an umbrella, and ordinance or law. Your leases decide who insures tenant improvements, and medical tenants bring questions of their own.
- [What Is Ordinance or Law Coverage, and Do You Need It?](https://primesureins.com/insights/ordinance-or-law-coverage-explained/): Ordinance or law coverage pays the extra costs of rebuilding to current building codes after a covered loss. Standard property forms include very little of it, so owners of older Texas buildings usually add it by endorsement.
- [Replacement Cost vs. Actual Cash Value: What Will You Be Paid?](https://primesureins.com/insights/replacement-cost-vs-actual-cash-value/): Replacement cost pays what it costs to repair or rebuild with similar materials today. Actual cash value pays that amount minus depreciation. On an older roof, the gap can be most of the claim.
- [How Should You Insure a Texas Shopping Center or Strip Center?](https://primesureins.com/insights/shopping-center-insurance-texas-guide/): Most Texas shopping centers need building coverage at rebuilding cost, loss of rents, general liability for the common areas and an umbrella. Your leases, your tenants' certificates, your roofs and any restaurant tenants decide how well that program actually works.
- [How Do Commercial Property Deductibles Work in Texas?](https://primesureins.com/insights/texas-commercial-property-insurance-deductibles/): Most Texas commercial property policies carry a flat-dollar deductible for most losses and a percentage deductible for wind and hail or named storms. The percentage one is usually the bigger number, so convert it to dollars before you sign.
- [10 Insurance Mistakes Texas Commercial Property Owners Make](https://primesureins.com/insights/texas-commercial-property-insurance-mistakes/): The costliest mistakes are quiet ones: a building insured for its purchase price, a percentage deductible nobody priced out, no flood decision, or a tenant certificate that expired. Each one has a practical fix you can make before the next storm.
- [How Does TWIA Windstorm Insurance Work for Commercial Property?](https://primesureins.com/insights/twia-windstorm-insurance-commercial-property/): TWIA covers wind and hail damage in 14 Texas coastal counties and part of Harris County when private insurers won't. Commercial buildings usually need a windstorm certificate, and TWIA claims run on their own Chapter 2210 deadlines.
- [What Happens to Insurance When a Texas Commercial Building Is Vacant?](https://primesureins.com/insights/vacant-building-insurance-texas/): Most commercial property policies cut coverage once a building has been vacant more than 60 days in a row. Some causes of loss are no longer covered, and other losses are paid 15% less. A vacancy permit or vacant building policy can close the gap.
- [How Do You Insure a Warehouse or Industrial Building in Texas?](https://primesureins.com/insights/warehouse-industrial-insurance-texas-guide/): A Texas warehouse usually needs building coverage at rebuilding cost, loss of rents, general liability, equipment breakdown and ordinance or law. Roof and hail terms, vacancy rules, sprinkler conditions and what your tenants store decide how well that coverage works at claim time.

## Insurance terms glossary
- [Commercial insurance terms A–Z](https://primesureins.com/insurance-terms/): 277 plain-English definitions with examples.

## Optional
- [Full text of this site](https://primesureins.com/llms-full.txt)