Top Tips on House-Sitting

A very serious undertaking that can be as enjoyable as it is stressful, house sitting is an act that can help traveling homeowners and renters immensely. Are you planning on house-sitting in the near future and are confused in terms of how to proceed? The following is an overview of tips to help you house sit like you own the place!

Have A Gathering

Granted, not all homeowners are this cool, however, if the person you are house-sitting for will allow it, having a small to moderately sized get together is a great way to keep potential thieves and other troublemakers at bay. Just be sure to only invite your most respectable friends and associates, of course. 

Plan Your Meals

While many people will allow you to have your pick of their delectable treats, for others this is completely off-limits. Ask the person whom you’ll be house sitting for if they are providing any meals. If not, be sure to prepare and bring your own, as well as some extra cash for delivery, as necessary.

Don’t Forget the Soap

While using your friend or associate’s toiletry items may not be a big deal for them, it could totally inconvenience you if you leave these matters up to the host.  For instance, if you have sensitive skin or some other specific ailment which the house your sitting cannot accommodate, you may end up with a rash and/or dry skin in just a few days’ time. Likewise, if you prefer 2-ply, you might want to bring your own tissue as well.

Overall, a fairly easy task as long as you observe the rules, house sitting can give you a break from your everyday life while allowing your friend to travel with peace of mind. For further safety and support while you’re away from home, contact The Select Insurance Agency today. 

Winter Plumbing Tips for Your Coppell Home

Winter is here in Coppell and North Texas. It’s time to make sure your house is safe from bad weather.

Use foam pipe insulation and insulation tape where pipes are exposed.

Roll up and store outside hoses for the winter.

Cover outdoor spigots with insulating faucet covers.

During a freeze, turn faucets in the house to a slow drip.

Insulate exposed pipes in your house and use weatherstipping or insulating foam to block cold air.

Know where your home’s shut-off valve is in case a pipe does burst.

These are all great tips from Mike’s Air Conditioning and Heating.

Uninsured Motorist Coverage

For protection from losses arising from an accident in or outside of Coppell, with an uninsured motorist, consider purchasing uninsured motorist coverage.

Specific options for uninsured motorist coverage vary by state and insurer, but in general there are three types of protection:

  • Uninsured Motorist (UM) Insurance—Also known as Uninsured Motorist Bodily Injury (UMBI) insurance, this coverage will pay your and your passengers’ medical bills if you’re involved in an accident with an uninsured motorist who is at fault. In addition, UM insurance will reimburse you and your passengers for lost wages. UM coverage also kicks in if you are hit as a pedestrian by an uninsured driver, or if you’re the victim of a hit-and-run accident.
  • Uninsured Motorist Property Damage (UMPD) Coverage—While UM insurance covers injuries, it does not extend to damage to your car or property. For this, you need UMPD coverage. Note that UMPD may not cover damaged property beyond your car, and this option may not be available from your insurer—it depends on what state you live in. In addition, UMPD may not cover hit-and-run accidents.
  • Underinsured Motorist (UIM) Protection—In some instances, an at-fault driver may have liability insurance, but the policy’s limits do not cover the full extent of damage to your vehicle. In such cases, UIM insurance will cover the shortfall.

To learn more about uninsured motorist coverage for your auto policy, call The Select Insurance Agency today!

Happy New Year from The Select Insurance Agency!

All of us at The Select Insurance Agency in Coppell wish you a very happy new year! We have been so lucky to have served our clients in Coppell and the surrounding areas of Carrollton, Lewisville, Irving, Grapevine, Plano, Frisco, and all of the Dallas-Ft. Worth metroplex. It’s our pleasure to continue providing the best service to our clients, and finding the insurance policies that best meet your needs at a great rate. Tell your friends about us and we’ll help them save money too! Wishing you a prosperous year!

Why Independent Insurance Agents Matter

If you own a car, you need auto insurance. If you own a home, you need home insurance.  And if you are in the market for any kind of insurance, what you really need is an independent insurance agent. While it may seem easy enough to just hop online and start looking at potential policies, the truth is actually far more complicated. 

The thing is, even those looking for the cheapest insurance rates they can get may still run into trouble when it comes to adhering properly to state requirements. When in comes to auto insurance, for example, residents of cities like Coppell, Texas and surrounding areas are required to meet the minimum coverage amounts set by the state. In Texas, there are actually three different kinds of minimum coverage that must be met, including two different coverage amounts for different types of physical injury and another for damage to property. And that’s really just the tip of the iceberg. You may also run into difficulty trying to enter in your auto information and driver history information all by yourself, since it is easy to leave out things. Fortunately, an independent insurance agent can help you navigate all these legal waters. 

Likewise, homes are costly enough without the added insurance policies. An independent insurance agent (such as those of us at The Select Insurance Agency) can help you figure out exactly which kind of home insurance you need, as in Texas there are three different basic types of policies and then some.

When you come to a place like The Select Insurance Agency, you’ll find that there are instantly fewer responsibilities on your shoulders. We take care of all the extra paperwork and endless little details that come with getting a good insurance policy.