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1020 W. Exchange Pkwy, Suite 2130
Allen, TX 75013

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Motorcycle Insurance: Preparing Your Motorcycle for the Summer

Prepare Your Motorcycle for Summer and Revisit Your Insurance Policy in Allen, TX

With the arrival of summer, now is the perfect time to get your motorcycle ready for the warm weather and also to review your motorcycle insurance policy. In Allen, TX, we at Texas Independent Insurance are here to simplify this process and ensure your policy is appropriate for your needs.

Motorcycle Preparation Tips for Summer

Performing regular checks on your motorcycle is crucial for road safety, especially with the increasing traffic in Allen and neighboring DFW Metroplex areas. Here are some top tips to prepare your bike for the summer:

  • Inspect the tires
  • Check the fluid levels
  • Clean your motorcycle
  • Have the brakes, battery, and other key components inspected
  • Replace any damaged gear

Remember, in Texas, helmets are mandatory for both riders and passengers. Fortunately, there are numerous options available to ensure that you can remain safe and stylish simultaneously.

Reassessing Your Motorcycle Insurance

While preparing your bike for summer, it’s also an opportune time to reassess your motorcycle insurance policy. Has there been any change in the state minimums? Can you find a more affordable policy? Do you want to add more coverage for better protection? A reliable policy should exceed the bare minimum requirements and provide additional coverage for your peace of mind. If an accident occurs or your bike gets damaged off-road, such comprehensive insurance allows you to file a claim confidently.

At Texas Independent Insurance, we are here to help you find an insurance policy that minimizes your out-of-pocket expenses. Reach out to us with any questions or to explore documentation options. Let one of our experienced agents assist you today.

How to Protect Yourself With Boat Insurance

When you’re the owner of a boat, you have to do many things to protect your boat and keep it in good shape. Owning a boat is a big responsibility, and one of the things you need to do is get boat insurance. Boat insurance can protect you in several ways. There are different types of coverage that you can have in your boat insurance policy. When you get your policy, ensure you get the protection you need against all of the risks posed to your boat. Call us now at Texas Independent Insurance in Allen, TX, when you need boat insurance. 

Protection Against Accidents

Being on the water is a great feeling when you’re out in the boat. However, there are also other watercraft out there. This means that boating accidents are possible, and these can be damaging and expensive. When you’re the party at fault for a boating accident, you’ll owe for the damage done to the other watercraft and any medical bills the other party incurs. Without boat insurance, those are yours to pay on your own. With a boat policy, you can pay for those expenses to protect yourself financially. 

Liability and Other Boat Coverage

When you have a boat policy, it should always contain liability coverage. Both bodily injury and property damage liability should be in your policy. This is the minimum coverage you need to have. You can also add collision coverage to your policy. This pays for the damage done to your own boat if you should be at fault for an accident. 

Get Boat Insurance in Allen, TX

When you need an insurance policy for your boat, call us at Texas Independent Insurance in Allen, TX.

Why Home Practice Doctors Need Umbrella Policies

If you run a doctor’s office from your Allen, TX, home, you need insurance that keeps you safe. Umbrella policies are something we can provide at Texas Independent Insurance. If you’re curious about how this extra liability protection can help you, read on to learn more about how it works.

Benefits of Umbrella Insurance 

Umbrella insurance is a type of liability policy that comes into play when your basic liability coverage maxes out. As a doctor, that type of extra protection is critical, especially if you work out of your home and have no other support. Here are four reasons why it’s such a wise investment for you:

  • Extra Liability: As a doctor, you need excellent liability protection to stay safe. Umbrella insurance will protect you if your patients get injured and will keep you open and protected. 
  • Stronger Protection Levels: Working as a private doctor might seem fun at first, but it can be scary if you get sued. With umbrella insurance, you get hospital-level protection to keep you safe.
  • Reduced Lawsuit Risks: Malpractice as a private practitioner can be a costly proposition. However, umbrella policies can help provide extra coverage for your needs.
  • More robust Marketing Opportunities: You can use your umbrella policy as a marketing tool by highlighting the extra steps you take to protect your patients when they visit you.

These advantages make umbrella policies an excellent choice for physicians. You can typically find them from your current business insurance provider. Often, they can add an umbrella policy as a rider to your current option or as an extra overall coverage type for your home business.

Get the Help You Need

At Texas Independent Insurance, we can help you find umbrella insurance for your Allen, TX, doctor’s office. We’ll discuss your options, highlight the many benefits of these policy types, and ensure you feel comfortable with your offerings. It’s our goal to provide you with the help that you need.

Flood Insurance Covers Your Home Investment in Uncertain Climate Conditions

Texas Independent Insurance Offers Flood Insurance For Texas Homeowners

Weather conditions seem less predictable than they have been in the past. Sudden extreme weather events can arise that cause damage to homes and businesses. You may not have considered flood insurance in the past, but today’s unsettled weather conditions can expose you to flooding risks you may not have had before. At Texas Independent Insurance in Allen, TX, we can help you acquire flood insurance to protect your investment.

Who Needs Flood Insurance?

In previous decades, people who lived near coastal areas were usually the only ones who needed flood insurance. Today, however, flooding can result from unusually heavy rains or overflowing of nearby bodies of water that were previously reliable. Even development can change the landscape of a neighborhood, increasing the risk of flash flooding events. That’s why more people are opting for flood insurance coverage for their homes.

What Does Flood Insurance Cover?

Standard flood insurance policies cover such building features as walls, cabinets and foundations, furnaces, central air conditioning systems, electrical systems, plumbing systems, water heaters, and installed carpeting. It will also cover sprinkler systems and fire extinguishing systems. Contents coverage includes furniture, fixtures, clothing, washers, dryers, dishwashers, microwave ovens, window air conditioners, and freezers. It will also cover valuable items like artwork, furs, and jewelry up to a certain limit.

Choose Texas Independent Insurance For Your Flood Insurance in Allen, TX

Our experienced agents can answer your questions about flood insurance coverage and how it protects your property. We offer a range of insurance products for both individuals and businesses. Contact Texas Independent Insurance today for a no-obligation quote on flood insurance to protect you against expensive flood event losses.

Real Estate Investment Insurance Explained

If you own real estate in the Allen, TX area and use it for commercial purposes, you have special considerations when attempting to protect it from unforeseen circumstances. Various forms of real estate investment insurance available from the agents at Texas Independent Insurance can give you the coverage you need for your business venture.

What is Real Estate Investment Insurance?

It’s a type of liability insurance that protects inventors who rent property and buildings used for offices, service and retail businesses, and residential properties used for investment purposes. These policies frequently contain terms covering reconstruction costs for repairing or rebuilding the property when damage occurs. Three common components include:

  • Liability
  • Property damage
  • Loss of income

Who Needs It?

Investment insurance isn’t mandatory in most cases, but the more significant the property is, the more likely you will need it. Investment properties are any land or buildings that various entities buy to generate income through rental. This insurance type can protect a wide range of interests, including property managers,  buildings, and real estate held in a family trust, as well as individual and corporate real estate investors.

Types of Real Estate Investment Insurance

Many insurance subtypes are similar to those for commercial and homeowner’s insurance. However, investors will also find additional to cover specific risks and prevent inventory from paying out of pocket for losses. Among the specialized policies you can get are:

  • Hazard and fire
  • Sewer and water line backup
  • Flood
  • Pet coverage
  • Builder’s risk
  • General contractor’s insurance

Some landlord policies bundle several types of insurance together into one document to include commonly used coverage.

We Are Here To Help

If you’re wondering what type of investment insurance would work best for you, Texas Independent Insurance, serving the greater Allen, TX community can help. Contact our office today to schedule your personalized consultation.

Why You Need Renter’s Insurance

When you are a renter, there are many things that you have to take care of. Getting renter’s insurance is a good way to stay in control of your belongings and your living situation. Renter’s insurance protects you in a number of ways, and no renter should be without it. In fact, it’s likely required by your landlord that you have it. If you don’t have your renter’s policy yet, call us at Texas Independent Insurance in Allen, TX to find out more. 

Protection for Your Belongings

Most or all of your possessions are in your rental home. That makes it necessary to have protection for them. Renter’s insurance provides that protection and covers everything that’s in your home. If a damaging event should happen to your home and your things are destroyed, your insurance policy could pay for them to be replaced. If you imagine the cost of replacing everything on your own, it’s easy to see how valuable this insurance is. Despite this value, renter’s insurance is generally quite inexpensive. 

Protection for You

As a renter, you don’t have to insure the actual home. That’s for the landlord to do. However, you need to be able to keep up your standard of living if a disaster or calamity should happen. Renter’s insurance will pay for you to stay elsewhere if the home is damaged and needs a lot of repair work. This will keep you from having to live in the home as it is. These policies also include liability insurance for your protection. If someone were hurt in your home, the policy could pay for their medical bills instead of you having to pay out of pocket. 

Get Renter’s Insurance

If you don’t yet have a renter’s policy, call us at Texas Independent Insurance in Allen, TX.

Does Motorcycle Insurance Cover Repairs?

At Texas Independent Insurance in Allen, TX, we help motorcycle owners cover their bikes with motorcycle insurance. To keep it safe to drive on the road, there’s no getting around the necessity of completing repairs whenever the condition of your bike requires it. Although every policy is unique, we can offer some guidance on what motorcycle insurance policies might cover in general.

Can I Use Motorcycle Insurance to Cover Repairs?

As a motorcycle owner, repairs can be one of the most expensive aspects of maintaining your bike. While repairs can be pricey, the good news is that there may be ways to help lower or eliminate this cost. Although every motorcycle insurance policy has terms and limits that specifically apply to that policy, motorcycle insurance generally comes in a few different kinds of policies that suit different needs.

If you carry the bare minimum amount of motorcycle insurance, you may just have a no-frills insurance policy that can cover liability if you’re found to be at fault in an accident. For those who have policies with collision coverage and comprehensive coverage, you might be more likely to have coverage for repairs related to accidents even if you were found to be at fault. To see if your motorcycle insurance provides coverage for repairs, you’ll need to review your individual policy.

Contact Us Today

For all of your motorcycle insurance needs, our team is happy to assist you in determining what level of coverage would be most beneficial for your goals and preferences. If you’d like to learn more about our motorcycle insurance coverage options or other insurance policy offerings, you can call our office or visit today. For more information, give us a ring or stop by our office at Texas Independent Insurance in Allen, TX!

Navigational Limits on Boat Insurance

Navigational limits are a crucial aspect of boat insurance policies in the Allen, TX area that define where a boat can be operated and insured. These limits play a significant role in determining the coverage and potential limitations or restrictions for boat owners. 

Defining the Operating Area

Navigational limits refer to the geographical boundaries within which a boat can be operated and insured under the policy. These limits are set by the insurance provider and are based on factors such as the boat’s size, type, seaworthiness, and the level of risk associated with specific navigational areas. Boat owners must understand and comply with these limitations.

Differentiating Coverage Areas

Navigational limits often distinguish between coastal and inland waters. Coastal waters typically include oceans, seas, and other large bodies near coastlines. Inland waters encompass lakes, rivers, and canals. Due to varying risks and operating conditions, insurance policies may have separate coverage provisions and premium structures for these different areas.

Expanding or Restricting Coverage Areas

Some boat insurance policies may have territorial limits that define the coverage area. These limits outline specific countries or regions where the boat can be operated and insured. It is crucial to review these limits carefully, especially when planning to take the boat outside the home country or region, as coverage may not extend to areas beyond the specified limits.

Considerations for Extended Voyages

Boat owners planning to sail offshore or international waters should pay close attention to navigational limits. Some insurance policies may exclude coverage for extended voyages or require additional endorsements. Knowing and understanding what the policy states before taking a chance is critical. 

How Texas Independent Insurance Can Help You

At Texas Independent Insurance, we can answer all your questions concerning boat insurance coverage. We assist the Allen, TX region. Contact us today.

Four priorities when you buy umbrella insurance

Buying umbrella insurance is a great idea if you want to enjoy total protection against liability expenses. If you’re looking for umbrella insurance in the greater Allen, TX community, we can provide you with coverage at Texas Independent Insurance.

There are a few priorities you should be focusing on when you buy umbrella insurance coverage.

The following are four of the most important priorities to consider:

Cover your net worth

It’s generally recommended that consumers get enough umbrella insurance coverage to cover the entire value of their net worth. When you cover your net worth, you ensure that none of your hard-earned money and assets are at risk of being lost due to lawsuit expenses. 

Understand what umbrella insurance covers

Some consumers don’t understand exactly what umbrella insurance does and don’t cover. Umbrella insurance protects your assets if you face liability expenses as a result of being sued.

Umbrella insurance doesn’t cover you for damages to your property or vehicle like home insurance and auto insurance coverage do. 

Research umbrella insurance providers

There are a lot of insurance providers out there that offer umbrella insurance policies. You need to do your research to find the insurance provider that will offer you the highest quality coverage at the most competitive price. 

Research umbrella insurance providers and get a few policy quotes when you’re evaluating your options. 

Figure out your monthly budget

When you buy umbrella insurance, you need to make sure that you keep up with monthly payments. That’s why you should figure out your monthly budget and plan ahead to make your payments on time. 

Looking For Umbrella Insurance?

At Texas Independent Insurance, we’re happy to help you get the information you need on umbrella insurance in Allen, TX. Call us today for a policy quote!

Can Flood Insurance Provide Retroactive Coverage?

At Texas Independent Insurance in Allen, TX, we are happy to provide many different types of insurance policies, including flood insurance. While some homeowners call us to get coverage as soon as they close on a new house for their family, others tend to wait a while before getting the flood insurance they need.

At our office, we recommend getting flood insurance as soon as possible. While this might seem unnecessary, you will see why we make this suggestion to almost all of our customers who are at risk of flooding as you read more about our services.

Can flood insurance provide retroactive coverage?

Because it is impossible to predict the future, many homeowners think that their homes will be safe from flood damage until they actually experience harmful flooding around their property. Once the damage is done, folks tend to call us to see if we can provide flood insurance coverage now that they need it.

After flood damage has occurred, a flood insurance policy can’t cover the damage that is already there. If there is new flood damage in the future, that is when the policy will kick in and help cover related expenses. 

For this reason, we recommend that you get flood insurance before you expect to need it. Otherwise, you may end up in a situation where you have severe flood damage without any means of covering it.

Your home insurance policy may not cover flood damage, or it may only cover flood damage from certain kinds of disasters. What’s more, this damage would go toward your home insurance policy’s limit even if it was covered. 

We Are Here To Help!

To learn more about our flood insurance policy options at Texas Independent Insurance in Allen, TX, call our qualified professional team today.

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