The O'Donohoe Agency

Your renters insurance usually covers just your stuff - not your roommate’s, and never for intentional damage. Know your exclusions before you need them. #theodonohoeagencygalveston #InsuranceTips

Don’t settle for a payout that won’t replace your stuff after a storm. Replacement cost coverage makes a real difference in Galveston. Questions? Let’s talk options. #theodonohoeagencygalveston #InsuranceTips

Replacement cost pays for a new item today - actual cash value only covers what it’s worth now. Make sure your coverage keeps up with Galveston life. #theodonohoeagencygalveston #InsuranceTips

Got a renter’s policy? It can cover your apartment, garage, and even a storage unit—no separate policy needed with the right coverage. Always check your details. #theodonohoeagencygalveston #InsuranceTips

Think your landlord’s insurance covers your stuff? It usually doesn’t. For Galveston renters, aim for at least $300K liability and make sure your assets are listed. #theodonohoeagencygalveston #InsuranceTips

Vet bills can add up quick in Galveston - a pet policy helps cover those costs after your deductible. Message us to see what’s covered for your furry friend. #theodonohoeagencygalveston

Fire is covered by renters insurance, but flood isn’t—you need a separate flood policy for that. Unsure about your coverage? We can help. #theodonohoeagencygalveston

Most Galveston apartments now require renters to carry liability insurance - but $300k coverage is a smart play for real peace of mind. Protect yourself and your stuff. #theodonohoeagencygalveston #InsuranceTips

Did you know renters insurance often limits coverage for jewelry, cash, and art? Schedule your valuables to avoid gaps and stay protected. #theodonohoeagencygalveston #InsuranceTips

Vet bills can hit fast - a pet policy keeps you covered when those surprises come. Affordable peace of mind for every Galveston pet owner. #theodonohoeagencygalveston #InsuranceTips

Pet insurance covers your pet’s health, but renters insurance covers your pet’s stuff—think beds and toys. Unsure what’s protected in your Galveston apartment? We’re here to help. #theodonohoeagencygalveston #InsuranceTips

Wish you could just "pause" your seasonal insurance like your internet? Smarter coverage would save time and hassle for boaters, vacation rentals, and more in Galveston. Let’s talk options. #theodonohoeagencygalveston

Before disaster strikes, read the fine print on your renter’s insurance - not every peril is covered, and details matter in Galveston. Need help reviewing? Call The O’Donohoe Agency. #theodonohoeagencygalveston #InsuranceTips

Even in a crowd, theft can happen fast. Ask about off-premises coverage to protect your merchandise wherever you sell. #theodonohoeagencygalveston #InsuranceTips

Seasonal business? Your property can be covered while you’re open - and when stored at your main location, you stay protected. Keep your policy current and ask us how to tailor coverage. #theodonohoeagencygalveston

Galveston riders: salt air hits your forks hardest and rust sneaks up fast. A thin layer of Vaseline can make all the difference. Protect your ride and your wallet. #theodonohoeagencygalveston #InsuranceTips

Got a classic bike? Adding it to a standard motorcycle policy could leave you underinsured - older rides need specialty coverage to protect their true value. Questions? We can help. #theodonohoeagencygalveston

Daily commute on two wheels in Galveston? Make sure your motorcycle insurance fits your lifestyle - coverage for weather and theft matters here. Got questions? We're local. #theodonohoeagencygalveston #InsuranceTips

Letting a friend borrow your motorcycle? Your policy covers the damage - but you won’t get an at-fault hit since you weren’t riding. Know your limits before sharing. #theodonohoeagencygalveston #InsuranceTips

Cruisers let you ride upright and enjoy Galveston miles in total comfort - no sore back, just sea breeze. Ask us how to protect your ride. #theodonohoeagencygalveston #InsuranceTips

If someone hits your motorcycle and isn’t insured, uninsured motorist coverage can save you big on repairs with just a $250 deductible. Make sure you’re covered, Galveston riders. #theodonohoeagencygalveston #InsuranceTips

Galveston riders know potholes and dips come out of nowhere. Scan 14 seconds ahead and check your coverage - the right policy makes all the difference. #theodonohoeagencygalveston

Lone Star Rally packs Galveston with bikes - one trip or nudge can mean costly damage. Got questions about protecting your ride or property? Local advice from folks who get it. #theodonohoeagencygalveston

Moving between homes in Galveston? Keep your renter’s insurance active to protect your stuff and your coverage history—loyalty discounts could follow you to your next place. #theodonohoeagencygalveston #InsuranceTips

Insuring your Galveston home? It’s not about what you paid but what it costs to rebuild. Make sure your coverage fits the real replacement cost. #theodonohoeagencygalveston #InsuranceTips

Saltwater finds its way in no matter what—protect your bike beyond DIY fixes. Not sure what’s covered? Let’s talk Galveston motorcycle insurance. #theodonohoeagencygalveston #InsuranceTips

Want to save on motorcycle insurance in Galveston? Take the Motorcycle Safety Foundation course and bundle your policies for extra discounts. Stay safe and ride smart! #theodonohoeagencygalveston #InsuranceTips

NFIP maxes at $250k on flood coverage, but you can stack private excess policies for full protection on higher-value Galveston homes. Questions? We’re here to help. #theodonohoeagencygalveston #InsuranceTips

High-value items like fishing gear over $1,000? Schedule them on your policy for stronger protection - everything else goes under blanket coverage. Know what’s covered before you hit the dock. #theodonohoeagencygalveston #InsuranceTips

Most business policies miss gear on the move. Inland marine insurance covers tools, equipment, and goods wherever work takes you. Got questions? Ask us! #theodonohoeagencygalveston #InsuranceTips

Most inland marine insurance is pay-in-full for a year, but if the policy isn’t "premium earned," you could get a refund if you cancel early. Always check the details before you commit. #theodonohoeagencygalveston

Leaving Texas for a job? Inland Marine Insurance can still protect your equipment on the road if your policy matches your travel distance. Always check with your agent before you go. #theodonohoeagencygalveston #InsuranceTips

Mold in your building? If it’s not your fault, the owner's insurance usually handles repairs—plus, loss of use coverage can help with extra costs if you need to move out. Got questions? Call us. #theodonohoeagencygalveston

Got a golf cart or tools worth over $1,000? Inland marine insurance can help cover what standard policies miss. Questions? Call The O’Donohoe Agency. #theodonohoeagencygalveston #InsuranceTips

Standard insurance won’t cover dockside tools or collectibles – that’s where inland marine steps in. Schedule what matters and keep it protected in Galveston. #theodonohoeagencygalveston #InsuranceTips

Rust from salt air can mean real equipment headaches in Galveston - if rust leads to breakdown, Inland Marine Insurance may have you covered, but auto policies won’t. Local questions? Just ask. #theodonohoeagencygalveston #InsuranceTips

Using your Galveston condo as a weekend spot or a rental? Each use needs different insurance - don’t risk a denied claim. Double-check your policy fits your real life. #theodonohoeagencygalveston #InsuranceTips

Not sure what your HO-6 condo policy actually covers? Many Galveston owners are surprised by what’s included—and what isn’t. Protect your space and know your coverage. #theodonohoeagencygalveston #condoinsurance

Most Galveston condo owners don’t realize HO-6 insurance covers your belongings, interiors, and liability—but details vary by policy. Know what’s protected inside your unit before disaster strikes. #theodonohoeagencygalveston #condoinsurance

Ask your agent about discounts for alarms, sprinklers, or bundling policies—these can really cut your Galveston home insurance bill. Don't leave savings on the table. #theodonohoeagencygalveston #InsuranceTips

Avoid these Texas life insurance mistakes—like not updating beneficiaries or skipping policy reviews! Protect your loved ones and get the right coverage. Questions? We’re here to help in Galveston. Get your quote: vist.ly/4w6r5 #lifeinsurance #Galveston

Relying just on work life insurance? It may not follow you if you leave your job. Protect your family with a personal policy—lock in low rates and full control. Based in Galveston? Let’s chat! #lifeinsurance #Texas

Have you updated your life insurance beneficiaries lately? Texas law changes make it more important than ever. Don’t let outdated info put your loved ones at risk—review your policy today! Get help from O’Donohoe Agency. #lifeinsurance #GalvestonTX

Wondering if life insurance covers funeral costs? Short answer: yes! Both term and whole life policies can help your loved ones cover final expenses in Galveston, TX. Learn more or get a quote: vist.ly/4w6qi #lifeinsurance #GalvestonTX

Not sure how much life insurance you need? Start with 7-10x your income, but consider your family, debts, and future goals too. We can help you find the right fit in Galveston, TX. Reach out for a quote! #lifeinsurance #GalvestonTX

Wondering about term vs. permanent life insurance? Think of term as renting and permanent as buying. Each has pros and cons for your family’s future. Get a quote from O’Donohoe Agency in Galveston, TX. #lifeinsurance #GalvestonTX

Not sure who to name as your life insurance beneficiary? It’s usually a spouse, child, or grandchild—whoever relies on you most. Learn your options in Galveston, TX and get the right coverage for your family. #lifeinsurance #GalvestonTX

Life changes fast—so should your life insurance beneficiary! In TX, you can update it anytime after big events like marriage, divorce, or having kids. Make sure your policy matches your wishes. Need help? We’re here. #lifeinsurance #GalvestonTX

Wondering if you need a medical exam for life insurance in Galveston, TX? Some policies require one, others don’t. We break down your options so you can choose what fits your needs and budget. #lifeinsurance #Texas

Think life insurance is just for families? It can help singles, business owners, or anyone with financial ties in Galveston, too. Protect your people and your legacy. Get a quote or learn more: vist.ly/4uja6 #lifeinsurance #Galveston

Wondering about term vs. permanent life insurance in Galveston? O'Donohoe Agency breaks down the basics so you can choose what fits your needs best. Get expert help and peace of mind for your family. #lifeinsurance #GalvestonTX

Looking for life insurance in Galveston, TX? Learn the basics of permanent policies, how Texas rules work, and tips for choosing the right plan for your family. Get started with a quote today! #lifeinsurance #GalvestonTX

When was your last life insurance review? Annual check-ins help keep your coverage up to date as life changes—marriage, kids, new job, or home. Protect your loved ones in Galveston, TX. Need help? We’re here! #lifeinsurance #Galveston

Wondering about term vs. permanent life insurance in Galveston? O'Donohoe Agency breaks down the basics so you can choose what fits your needs best. Get expert help and peace of mind for your family. #lifeinsurance #GalvestonTX