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

Posted on by AgentInsure

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?

Posted on by AgentInsure

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

Posted on by AgentInsure

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?

Posted on by AgentInsure

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.

Tailored Home Insurance for New Homeowners in Coppell, TX

Posted on by AgentInsure

Homeowners in Coppell, Texas (and any other location) have a Hugh investment in their property and need to protect it at all cost, no matter what type of home they have, no matter if it is new or a few years old or a 100 years old. In Coppell, Texas and generally anywhere else, if there is a mortgage on the home then the mortgage company will require an insurance policy be in place. The mortgage company will not care about the contents. They care about insurance on the structure of the home; if anything were to happen to the home they want to be assured of getting their money back that was loaned to the homeowner to buy the property.

If the homeowner fails to obtain insurance on the home then the mortgage company will apply a hazard insurance policy on the home which is very expensive and the homeowner will be expected to pay for it. It is far less expensive to contact an independent agent and buy a homeowners insurance policy.

An independent agent will make sure that the policy is tailored around the homeowners unique needs and those needs are stated in the policy. Unique needs involve the location of the home, the size and other building structures on the property such as, a garage, barn or shed. Other unique possibilities for insurance are fencing, pools, yard equipment, play sets and don’t forget the pets, plus much more.

Homeowners would not have the exact same contents as another homeowner, which makes every homeowner having unique insurance needs tailored specifically to them. As an example, make sure all expensive items such as kitchen and laundry appliances should have dates of purchase and receipts if possible and the icing on the cake would be to have photos of each item. Keep all of this information off the property, such as in a safety deposit box at the bank.

An independent agent in Coppell, Texas is waiting to service your uniquely tailored homeowners insurance needs. If you live in Coppell or surrounding areas, give them a call today and set up an appointment.

What Tenants should know about Texas Renters Insurance?

Posted on by AgentInsure

If one rents a home or an apartment in Coppell, Texas they should have renter’s insurance to cover all personal possessions within the dwelling. Tenants do not have to take out insurance on the dwelling they are renting, because this is the responsibility of the landlord to make sure the structure is insured.

In the event of a fire, flood, water damage, a robbery and or vandalism of the renter’s personal property those loses will not be replaced or paid for if the renter does not have insurance. If a renter thinks that they will never need renter’s insurance they are taking great chances with their possessions.

Renter’s insurance is not an expensive policy to purchase and will certainly be a valuable asset if needed in the future. Accidents do happen all the time and there is no way to look into future circumstances or try to prevent accidents from occurring, because accidents are what they are and no one can control future circumstances.

Make a list of all your possessions, the date they were purchased with the amounts they are worth, figuring in depreciation and be surprised at how much money it would take to replace everything that was lost in an unusual event. Pictures of each possession is an excellent idea. Keep this information off the property and safe. There are not too many who would have this amount of money to start life over again.

A person who takes out a rental insurance policy should play it safe and also have it stated in the policy there is animal bite protection, just in case an accident should happen. And, even if it was not your pet’s fault, people like to sue others to make try to make a fast buck.

In Texas if a renter has insurance and someone is injured on your property and they have medical bills, the rental insurance will cover this incident. In Texas this type of medical coverage is automatically included in the policy. It is doubtful that the majority of renters would not have the money to pay for that person’s medical bills that could go on for months or years.

If renting is your option, don’t delay in calling an independent agent today and getting this valuable insurance coverage.

What Insurance Policy Covers Dent Damage in Texas?

Posted on by AgentInsure

An independent agent in Coppell, Texas will tell Coppell residents those insurance policies in Texas and throughout the United States work about the same way. As long as the vehicle owner carries full coverage on their vehicle while residing in Texas, dent damage should be covered if taken care of in the stated time frame allowed. In Texas some damages such as dents that are done by another driver may be covered under that driver’s insurance policy, as Texas is not a no fault insurance state.

Dents created by environmental issues such as a tree, another car or hail may be eligible for a dent removal technique that use no paint. This process of dent removal uses no bond or paint. However, if the car is too damaged and the dent has taken the paint off or caused cracks to the vehicles finish then this process would not work. This process offers a lifetime warranty, and insurance companies appreciate this. Texas insurance companies like this procedure used if possible, because it saves them money and saves the body shop some work.

Most body shops in Texas work with all insurance company policies as long as they are a fully covered policy and include dent damage. If the vehicle has a deductible to meet before the insurance company pays, some body shops will even pay this deductible or pay a portion of the deductible for the vehicle owner.

When a vehicle is paid off, many people obtain PL and PD insurance in order to decrease their monthly premium, and this type of coverage would not cover dent damage. The vehicle owner must carry collision and comprehensive coverage. The collision pays for debts incurred by accidents by the owner or other drivers on the road. Comprehensive pays for dents created by non moving accidents, and dents related to hitting an animal on the road.

If an automobile owner residing in or near Coppell, Texas, needs further information regarding dent damage in Texas they will need to contact their independent agent.

Precaution from the Coppell Police

Posted on by Jeri McShan

Be smart when going to sporting events, dropping off your kids at school, etc. in Coppell, (and any Dallas/Ft. Worth surrounding cities). There have been cases of people getting into cars to steal purses, wallets, briefcases, etc. Carry your purse/wallet in with you at all times. Keep other items out of site, and lock your car doors.

Get the Facts on the Minimum Auto Coverage Requirements in Coppell, Texas

Posted on by AgentInsure

The insurance facts are as follows, if you reside in Coppell, Texas and have automobile insurance coverage. It is important to know that it is the same in Coppell, Texas as any other city in Texas one may reside. Every state does carry a minimum automobile coverage insurance policy and is state specific, but also keep in mind that if one does not carry at least the minimum insurance policy for their car in any state and the vehicle is on the road, there could be very stiff fines and or jail time.

Some states have made it mandatory for the insurance company to report any client coming to them for auto insurance to the states DMV department. The insurance company is required to tell the DMV that the driver has had their car on the road without automobile insurance.

The minimum amounts of automobile insurance coverages are now $25,000, $50,000 and $25,000 dollars, known as a 25/5025 policy. As of four years ago the minimum insurance coverages for an automobile in Texas was increased. These new minimum totals are known as a 25/50/25 policy.

If you have 25/50/25 minimum insurance coverage for your automobile and you are driving within another state and are involved in an automobile accident and that state’s minimum coverage is 30/60/30 then your insurance company will increase your insurance minimums to meet that state’s minimum requirements.

You must also be aware if the state you are driving in is a no fault state. There are essentially two types of insurance policies liability to purchase, full tort or limited tort. For limited tort policies one will pay less in premiums but this will bar you from any lawsuits. In a full tort policy it will enable one to sue the other driver no matter what their policy pays and the amount of damages.

Adhere to the requirements for the minimum coverage amounts for automobile insurance policies in Coppell, Texas, as you would in any other city in Texas. Contact a local Coppell independent agent today for rates.

Prepare for Winter Driving in Dallas/Ft. Worth and North Texas

Posted on by Jeri McShan

Here are some tips for driving this Winter…

  • Have a mechanic check your car’s battery, brakes, fluid levels (antifreeze, windshield washer fluid and oil), as well as the heating and exhaust systems to ensure that your car is in good, safe working condition.
  • Try to keep your gas tank full during the winter months. Don’t allow the gas to go below half a tank. Not only will this prevent damage from freezing, you’ll avoid running out of gas if you’re stuck in a traffic jam during the dead of winter.
  • Install snow tires or all-weather radials with adequate treads.
  • An adequate supply of windshield washing liquid is critical to wash away the mud and melted snow that can severely limit visibility.
  • Prepare for an emergency. Keep blankets, flares, a sack of sand for traction, shovel, windshield scraper and brush, tool kit, towrope, booster cables and a flashlight with extra batteries in your trunk. You should also stock your car with material for survival, such as waterproof matches to melt snow for drinking water, a first aid kit, dry clothing and a brightly colored cloth (to tie to the antenna).

Source: Insurance Information Institute; www.iii.org

 

Categories

Archives