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Texas Independent Insurance

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

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Featured Insurance Blog

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.

Before Considering Real Estate Investing in Texas, Read This

Real estate investment can be a lucrative and rewarding venture, particularly in the thriving state of Texas. However, before diving headfirst into the world of property investment, it’s essential to understand the importance of securing the right insurance coverage. Texas Independent Insurance, based in Allen, TX, is your go-to agency for expert advice and tailored solutions for your real estate investment needs.

Insurance & Real Estate Investing 

In Texas, the real estate market has been steadily growing, offering investors a plethora of opportunities to diversify their portfolios. Whether you’re investing in single-family homes, multi-unit properties, or commercial real estate, having the appropriate insurance coverage is crucial to safeguard your investment. Texas Independent Insurance, with our experienced agents in Allen, TX, can help you navigate the complexities of insuring your properties and understanding the risks involved.

One of the key considerations for real estate investors is the type of insurance policy needed. A standard homeowner’s insurance policy may not provide adequate coverage for rental or investment properties. In such cases, a landlord or dwelling insurance policy is necessary to protect your assets from potential financial losses due to property damage, liability claims, and loss of rental income.

Our team understands the unique challenges faced by real estate investors. They will work closely with you to develop a tailored insurance plan that caters to your specific requirements, taking into account factors such as location, property type, and tenant profile.

Don’t leave your real estate investments unprotected.

By partnering with us, you can be confident that your investment properties are protected, allowing you to focus on growing your portfolio and reaping the rewards of your endeavors. 

Contact Texas Independent Insurance in Allen, TX today to ensure you have the right coverage for your valuable assets.

Renters Insurance: The Key Element of Your Home Protection Plan

If you’re renting a home or apartment in Allen, TX, consider protecting your personal belongings and financial assets with renters’ insurance. This type of insurance policy provides coverage for personal belongings, liability protection, and additional living expenses in the event of a covered loss. Texas Independent Insurance, located in Allen TX, can help you find the right renters’ insurance policy to meet your needs and budget.

Renters insurance is not required by law, but it’s highly recommended for renters of all types. It can provide financial protection and peace of mind in the face of unexpected events such as theft, damage, or natural disasters. Texas Independent Insurance can help you understand the different types of coverage available and select the right policy for you.

Benefits of Renters Insurance

In addition to covering personal belongings, renters insurance can provide liability protection. It’s especially important if guests come to your home or apartment. If someone is injured while on the premises, you may be held responsible for medical expenses and legal fees. Renters insurance helps cover these costs and provides legal defense in a lawsuit, preventing significant financial losses.

Renters insurance can also provide coverage for additional living expenses. If a covered loss makes your rental unit uninhabitable, renters insurance can pay for temporary housing and related expenses. This can be a lifesaver for those who may not have the financial resources to cover such costs independently.

Renters insurance is an essential protection for renters in Allen, TX, and Texas Independent Insurance can assist you in finding the right policy to stay protected. Safeguard your valuable personal belongings and financial resources by investing in a renters’ insurance policy today. Contact Texas Independent Insurance to learn more about your options and get a quote.

5 Tips For Getting The Best Value On Your Motorcycle Insurance

Looking for the best motorcycle insurance coverage options in Texas? The experts at Texas Independent Insurance in Allen, TX can answer your insurance questions and get a free motorcycle insurance quote! 

5 Tips For Getting The Best Value On Your Motorcycle Insurance:

1) Learn your legal limits.

It is important to know Texas insurance requirements for motorcycle riders when choosing a motorcycle insurance policy.

2) Choose an insurer with experience insuring motorcycles in Texas.

There are some insurers who specialize in motorcycle insurance and will have a better understanding of the unique risks involved.

3) Consider bundling your motorcycle insurance with other types of coverage.

Many companies offer discounts if you bundle multiple policies together. Combining your home, auto, or motorcycle insurance policies can be a great way to save money.

4) Make sure you understand what’s covered by your policy.

Motorcycle insurance policies can vary greatly in terms of what they cover, so it’s important to know exactly what is and isn’t included before buying a policy.

5) Ask about extra coverage options.

There are some additional coverage options that you want to consider, like roadside assistance and trip interruption insurance.

By following these tips, you can be sure that you’re getting the best possible value on your Texas motorcycle insurance policy.

Reach Out To Us

Texas area riders looking for the best rates on motorcycle insurance can get a free quote from Texas Independent Insurance in Allen, TX. A licensed insurance agent can advise you of your insurance options and give you a free motorcycle insurance quote based on your driving history, motor vehicle records, and other factors.

Does Texas Require Boat Insurance?

Boating is an exciting activity that can be enjoyed year-round in Allen, TX. But before you hit the lake, it’s important to understand all the laws and regulations regarding boat insurance. Our team of experts at Texas Independent Insurance is here to help.

Let’s break down what is required for boat insurance in Texas. 

What Is Required By Law? 

The State of Texas does not require boat owners to have boat insurance, but many lenders will require coverage if you are financing a boat. Check with your lender to make sure you have coverage. If you need help with your policy, a Texas Independent Insurance agent can help you understand what type of coverage is right for you. 

What Types of Coverage Are Available? 

Texas Boat Insurance policies can provide coverage for physical damage, liability protection, medical payments, uninsured boaters, and more. The type of policy you need will depend on various factors, such as the size and type of boat you own, where you will boat, how often you use your boat, and the type of activities you plan to do.

Another concern is actual cash value vs. replacement cost coverage. If you purchase actual cash value coverage, your insurance company will consider the boat’s age and condition when determining a claim settlement.

Replacement cost coverage pays to replace the boat with a new one of similar quality and features. You may want to consider the replacement value depending on the age and value. This type of coverage is generally more expensive, but it is worth the investment if you want to replace your boat should something happen.

Give Us A Call                                  

Boat insurance provides peace of mind when out on the water and can help protect you financially in the event of an accident or other incident involving your boat. If you’re looking for quality boat insurance in Allen, TX, contact Texas Independent Insurance today!

I already have insurance. Why do I need an umbrella policy?

When it comes to insurance, one of the most important things to consider is whether or not you have an umbrella policy. An umbrella policy acts as a safety net for your other insurance policies and can protect you from significant financial losses in the event of a lawsuit or other major incident.

But why do you need an umbrella policy if you already have all of your other standard insurance coverage, like home, auto, or life insurance? Texas Independent Insurance, serving the greater Allen, TX community, is happy to assist with all your queries. 

Here are two reasons why having an umbrella policy is so crucial:

Protects against excess liability costs

Umbrella policies provide additional liability protection above and beyond what your standard policies cover. For example, if someone were to sue you for damages incurred in a car accident that was caused by your negligence, your auto insurance policy would only cover a certain amount of the damages.

However, if you have an umbrella policy in addition to your other insurance coverage, your umbrella policy could provide that additional protection for larger amounts of liability costs.

Provides broader coverage than standard policies

One of the main reasons why people invest in umbrella policies is because they offer much broader coverage than standard insurance policies. For example, most standard insurance policies cover things like bodily injury or property damage up to specific dollar limits. But with an umbrella policy, you can buy much more comprehensive protection and choose how high your coverage limit goes – often high as $1 million or more.

This means that if another driver gets into an accident with you and incurs significant medical bills or other losses, your umbrella policy will kick in to cover those costs if you run out of coverage from your other policies.

Contact Us Today

If you are interested in an umbrella policy, call Texas Independent Insurance today. We proudly serve the Allen, TX area. 

What is a Flood Map?

Flood insurance is not a requirement by law for Allen, TX homeowners, though a lender can require you to obtain a policy. This is true, particularly if they are government-backed. In addition, many people decide to purchase this type of indemnification for the protection it can offer in the event of a flood. Texas Independent Insurance is here to help. 

Flood Insurance & Flood Mapping

Flood insurance is not specifically offered through homeowners or other property insurance and is a separate product. You can determine your specific risk of a flood event by looking at a flood map. These are created by FEMA and are updated every couple of years, and this is done to give current information, as topological features can change. 

New housing developments alter water pathways, as clearing, excavation and drainage can affect the landscape.  Climate change is also a recurring event that can create rising waters in various parts of the country, in addition to heavier rainfall and the potential for flash flooding. 

The flood map resource gives residents information regarding the boundaries of the flood plane in their community and the elevations. Your Texas Independent Insurance agent can provide you with more specific details about your Allen, TX location.

The data contained in the flood map helps to determine the premiums you will pay and the likelihood and severity of a flood. Floods can be the result of wet weather streams, overflowed gullies, roadside ditches, and rivers or creeks that rise during heavy rains.

The particular features of your environment can play a factor as well, and the map takes all this into consideration. A city street on a hill that fails to drain properly will have different effects than dry country ground or marshland that does not perk properly. 

We Can Help

Contact us by stopping in our office, giving us a call, or reaching out to us online. We at Texas Independent Insurance look forward to serving all your insurance needs. 

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