What is the Maximum Coverage for a Comprehensive Policy in Coppell, TX?

While liability insurance is a mandated requirement for those who live in and around Coppell, Texas, this may not be the only insurance needs you have. If you have a car loan, or you value your car itself, you may want to have comprehensive coverage. A comprehensive policy will cover the value of your car, if you were in an at-fault accident and also cover other issues that cause damage to your vehicle.

What else can damage your vehicle? This could be something like an act of God—a windstorm, hail, falling tree, etc. However, it could also be something like vandalism, theft or a pebble coming up from the road and cracking your windshield. Comprehensive coverage is a broad insurance type that will protect you in any possible scenario.

Depending on the value of your car, you may have more or less coverage from this type of policy. Only by speaking with an independent agent of ours can you determine your exact needs and get the maximum possible coverage at a rate you can afford.

If you haven’t yet talked to an agent, the basics of comprehensive coverage is that it will pay the actual cash value of the damage minus your deductible. Because of this, the maximum coverage you can have is the value of your car. The main difference in policy occurs in how large of a deductible you carry.

A good rule of thumb is to never carry comprehensive coverage on a vehicle that will cost more to repair than it is worth. Like most insurance issues, speaking directly with an agent is the best way to get all your ducks in a row. There are many great agents in the Coppell, Texas area that are happy to help you with all your decisions.

Facts about Renter’s Insurance in Texas and How to Choose the Right Policy

Do you have renter’s insurance? If not, you could be facing a big risk. What most people don’t know is that the landlord or property owner of the building you are living is has protected his or her investment in that space, but not your own. That means if you lose your belongings in a fire without a renter’s insurance policy, you are out of luck. If your guest trips over your carpeting, they could sue you. You need this type of policy and we can help.

How to Choose the Right Policy

In Coppell, Texas and the surrounding area, you’ll need to put a bit of time into finding the right policy. As an independent agent, we will work with you to find the most affordable policy for your needs. Here are some things you need to keep in mind when choosing a policy.

  • Be sure the policy specifically states any high-valued items by name and value including jewelry, electronics or collectibles.
  • Talk to your agent about the amount of liability protection you need based on your situation.
  • Know what the policy deductible is so you know how much out of pocket cost there is prior to the insurance policy covering your losses.
  • Be sure you know about any exclusions listed in the policy as well, such as specific types of accidents or incidents (such as floods) that may not be covered.

To help you to find the right policy for your home, we will work as your independent agent. That means you can use our comparative tool to track down the best insurance providers available in the area. There’s no risk and you end up with the right policy for your needs. Don’t overlook the value of working with us.

Ways to Protect your Car without a Garage in Texas

Although many Texas homes have garages, you may not have access to a garage or have space in yours to park your car. As your independent agent in Coppell, we will be able to get you the best deal on comprehensive insurance coverage if you park your car in a garage, but there are other practices that can similarly protect your car from weather and other hazards.

Steel Carport: If you don’t have a garage, a steel carport is the next best thing. The strong material will protect your vehicle from hail, piles of snow, falling limbs, and other hazards that come with each season. It will also keep your paint in good condition under the hot Texas sun.

Car Cover: Another way to protect your car, especially if you don’t drive it for a season, is to use a car cover. The thick fabric protects it from scratches and other damage and helps keep the paint in good shape. It can also provide some protection against bad weather.

Driveway: Parking your car in a driveway is much better than parking it on the street. It’s less susceptible to theft because it is closer to your home. You can also install motion sensitive lights to further reduce the chance of theft. In addition, cars parked in driveways are less likely to be hit by passing vehicles.

Anti-Theft Devices: Any anti-theft system or device you install in your car can help provide another deterrent against theft without having to park in a garage. Consider an alarm system, steering wheel lock, or other anti-theft device.

When you’re getting a car insurance policy in Coppell, let one of our independents agent know which of these strategies you use. You may qualify for lower rates, and at the very least, you know you’re doing everything you can to protect your car.

Am I Liable for an Unwanted Guest on my Property in Coppell, Texas?

When considering your insurance needs and what types of coverage you should have, consider whether you are liable for an unwanted guest on your property in Texas. Depending on the situation, you could be liable for injuries the person received, whether you invited him onto your property or not. It is best to speak with an independent agent about this type of coverage to make sure you have enough insurance in Coppell.

Unless you have posted a no trespassing sign on your property, you will probably be liable for injury or damage if someone is hurt at your home. For example, if the neighborhood kids come over and use your pool while you are not home, and someone is hurt, without a specific no trespassing sign posted, you will probably be liable for the expenses. Whether it is a guest you have invited over, or someone who comes on your property uninvited, you need to make sure you have the proper homeowners insurance coverage. These situations occur more frequently than you might think. Being prepared in advance is the best way to give yourself peace of mind.

A qualified independent agent in Texas can help you understand all of your options when it comes to insurance. The agents will contact several different providers and compare rates and quotes. When choosing the best insurance coverage in Coppell, you need to think about how much you will have to pay and how much coverage you will receive. You do not want to find yourself without enough protection if an unwanted guest is injured on your property. A lawsuit can be an expensive ordeal and you will need the help of your insurance company to make sure everything works out in the end. Contact your agent today.

Do I need life insurance in Texas if I’m a young single person?

As a young single in Texas, you may think of life insurance as something you don’t even need to think about for several years, until you’re married and maybe even have kids. However, everyone can benefit from a life insurance policy, regardless of age. Here are some reasons to consider getting life insurance even when you’re young.

Lower Cost: Premiums on life insurance increase as you get older, so if you open a policy now, you’ll pay lower monthly premiums than if you wait. You may be surprised to learn how inexpensive a policy can be, and as your independent agent in Coppell, we can provide quotes on policies from top carriers.

Provide Funeral Expenses: You may be surprised to learn just how much it can cost to cover the expenses your family would incur if you passed away. A small life insurance policy is perfect for covering things like funeral expenses, a burial plot, and any paperwork needed for handling the possessions you leave behind.

Cover Your Debts: If you have student loans for which your parents or others have co-signed, life insurance can repay your loans so your co-signer is not held responsible for them. Although federal student loans are forgiven upon death, many private lenders do not offer the same benefit. Any remaining money from your policy after covering your debts can go to your family members, like parents, siblings, nieces, or nephews.

We encourage you to consider whether a life insurance policy may be beneficial for you, even when you’re still young and single. Let us provide you with quotes from our independent agency in Coppell, Texas so you can evaluate the cost and make an informed decision about whether to purchase a policy now.

The Facts about Auto Insurance Policy Backdating in Texas

Auto insurance policy backdating is a topic that confuses many policyholders. The facts are that this means that a Coppell, Texas insurance agent puts a date on the policy that is earlier than when the policy actually takes effect. This is something that many drivers think is a simple matter. However, for an insurance agent, this is not something to be taken lightly.

Backdating a policy like this means that the independent agent says the customer has insurance at a time they did not actually have it. This is not only illegal, it is actually a form of insurance fraud. The company could land itself in hot water if it was found out that they backdated the policy. Another concern is not just that the company could get into legal trouble, but if the driver had an accident during the time the policy was backdated, the company would have to pay.

Upfront and honest insurance agents cannot and will not backdate a policy like this. You may wonder, why would a customer even want this? Well, mainly it is because there is often a fee attached when the customer goes uninsured.

The best way for a customer to avoid this problem and therefore avoid even the idea of backdating a policy is by keeping up with the current insurance. Sometimes it may be a matter of not being able to make a payment. If this is the case, the policyholder may be able to work out a payment plan with his or her agent or insurance company.

Insurance is important. Not only does it protect you monetarily in case of an accident, most states have certain requirements that must be met, and driving without insurance can result in a ticket or even losing your driver’s license—something that no driver wants to face.

Do I have to pay for full RV coverage even during the months I’m not using my RV in Texas?

Many people who own an RV do not use it the entire year. Many will travel during the summer months and park the RV during the winter. If this is your situation, you do not have to pay for full coverage during the months you have your RV parked or in storage. Keeping a minimum amount of coverage on the RV policy will protect against fire, weather, or other hazards, but you do not need to worry about collision expenses.

Speaking with a qualified independent agent in Coppell will help you understand your RV insurance options. You do not want to spend too much on coverage when there are easy ways to save. You should always compare quotes with several different providers who specialize in RV insurance. This will ensure you are getting the best rate in Texas.

Full coverage insurance on your RV will take care of expenses while you are driving the vehicle. You will be covered if you are in an accident and your belongings will also be covered. Consider purchasing full replacement coverage both for your possessions and your RV. If you own a new model vehicle, you do not want to get stuck paying off a loan for a RV that was totaled. Another coverage to keep in mind is special RV insurance if you travel to Mexico. A Coppell independent agent can help make sure you have the proper insurance no matter where you travel in Texas or elsewhere.

Save yourself some money by cutting back on your insurance while your RV is stored during the months you are not using it. You will still be protected against specific hazards, but you could save hundreds of dollars on your insurance premium.

What is the Legal Effect of Insurance Binders in the State of Texas?

If you need insurance, you can get it quickly with an insurance binder. By visiting us, we can help you get what you need to keep you financially protected. That way you’ll have peace of mind, and you won’t need to spend time worrying about your insurance. Since we’re an independent agent, we can shop around and get you the best price on your insurance. Whether you live in Coppell or the surrounding areas, you need to be sure you’re insured properly. Texas takes legal matters very seriously, and you don’t want to be caught unaware.

Call or come by, and we can help you by getting you an insurance binder. You won’t have the official cards and policy documentation for a few days, but you will have coverage. That’s the most important thing – you’ll be covered if anything goes wrong. It’s easy to get a binder by providing some information about yourself and what you want to insure. Having an independent agent also means you only have to give that information out once. Then it’s the agent’s job to check with various companies so you can get the best deal.

If you’re trying to protect your Coppell home, or you want to make sure your vehicle isn’t putting you at financial risk, we can help you out. Come talk to us about your concerns, and let us find you the right policy. There are plenty of companies to choose from, so we can get a rate you’ll be happy with. Insurance coverage shouldn’t leave you strapped for cash and still wondering if you’re protected. Get an insurance binder from us today, so you can get on with your life and put insurance worries behind you. It’s a great way to help get your financial future on the right track.

Things You Need to Know about Business Insurance in Coppell, Texas

As a business owner, you’ve worked hard to build a successful company and you are proud of it. What would happen, though, if someone filed a lawsuit against you? Would you be able to handle the financial burden? With business insurance, you wouldn’t have to worry about having to shutter your company’s doors. You would have a policy to take care of the problem for you.

What Insurance Do You Need?

As your independent agent, we can help you to find the right policy to protect your business in Coppell, Texas and the surrounding area. We’ve helped many businesses find the level of protection they need. The question is, what risks do you face right now?

  • Do you sell a product or service? If so, you need insurance protection against any type of defective product or service gone wrong.
  • Do you provide expert advice to others? You need protection in case that advice doesn’t go as planned.
  • Do you own a vehicle or more than one? You need to protect your asset as well as your employees behind the wheel.
  • Do you have employees? You likely need to have workers compensation insurance to provide protection for their injuries on the job.
  • Do you own or rent a building for your business, have inventory or equipment? You need to protect these too.

As an independent agent, we work with you to find the best insurance provider with the most affordable policy for your needs. In doing so, you get the protection you need for your business without the risks you could otherwise face. Our comparative insurance quote system, available to you online, finds the best policy for your business insurance needs. Are you ready to protect your business against the risks it is facing right now? Contact us to find out how to do so.

Umbrella Insurance Explained: Who Needs Umbrella Insurance Coverage in Texas?

You may have never heard of umbrella insurance coverage before, or have an impression that it is just for the rich. However, everyone can benefit from an umbrella policy purchased through an independent agent in Coppell, Texas. Before you call us to get quotes from top insurance providers, take a few minutes to learn why you may benefit from getting an umbrella policy.

What is an Umbrella Policy?

Although its name may suggest otherwise, this policy doesn’t provide insurance to fix your umbrella that breaks on a windy, rainy day. Instead, it is a liability insurance policy that makes payments on your behalf when you are deemed liable for damages in a wide range of situations. Because it applies in so many situations, it’s called an umbrella policy, overlapping with car insurance, homeowners insurance, renters insurance, and other policies. You generally need to have the maximum liability coverage available through each of these policies, usually $250,000 or $300,000, before you are eligible to purchase additional coverage.

What Types of People are Most Likely to Need an Umbrella Policy?

Your umbrella coverage will go into effect if you are required to pay for damages beyond the liability limits of the other policy in effect, whether it’s your car or home policy. Damages may be due to a very large auto accident that has caused very serious injuries to others, or severe injuries people have incurred in your home or on your property. Trampolines, swimming pools, teenage drivers, and dogs are several major liability risks. If you have any assets at all to protect, whether it’s a home, savings, or other types of assets, you may want to take out an umbrella policy to help pay for damages in a large claim.

Contact us today to have an independent agent in Coppell help you understand umbrella coverage and get quotes for policies. You may be surprised to learn how inexpensive several million dollars of coverage can be.