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Allen, TX 75013

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Three tips for evaluating your commercial insurance needs

One of the most important things the owner of a growing business needs to do is invest in commercial insurance. We provide commercial insurance policies to business owners in Allen, TX at Texas Independent Insurance. We recommend that business owners do the following three things when evaluating their commercial insurance needs.

Explore the various types of commercial insurance

Commercial insurance is a complex product because there are so many different types of commercial insurance available. Some of the most common types are property, liability, and workers’ compensation insurance. You might also need commercial vehicle insurance or malpractice insurance. 

There are many additional types of commercial insurance available. Discuss your commercial insurance needs with a representative from your insurance company to learn more. 

Consider your company’s risks.

Every company faces unique financial risks. These could include liability risks or risks for an event or accident preventing revenue opportunities. A good business owner knows how to plan for these risks and protect against them with insurance.

As part of evaluating your insurance needs, list all of the financial risks your company faces.  

Analyze your company’s budget

You’re going to have to pay your commercial insurance premiums regularly. The expenses of your commercial insurance will add up over time. This means you need to factor these payments into your budget and do what you can to minimize them to improve your bottom line.

Determine how much your company can afford to spend on commercial insurance premiums each month. Find a commercial insurance option that provides your company with the greatest amount of value. 

If you’d like to explore our commercial policy offerings in Allen, TX, contact us at Texas Independent Insurance.

Three questions to ask before purchasing a home insurance policy

You need to research your situation and options before purchasing home insurance. At Texas Independent Insurance, there are some questions that we recommend that Allen, TX homeowners ask before buying a home insurance policy.

The following are three questions to ask regarding home insurance.

Should I get an actual cash value or replacement cost policy?

A cash value policy covers a home for the amount it was worth at the time of purchase minus depreciation. A replacement cost policy covers the house for its full original value without factoring depreciation into the equation. Actual cash value policies are generally less expensive. However, it may be worth it to invest more in a replacement cost policy if a claim eventually needs to be filed. 

What types of damages do I need to have covered?

Every home is unique. Some households require more coverage than others. For example, you’ll need to add on more coverage for natural disaster damages if you live in a flood zone. Consider the unique damage risks your home faces when deciding what coverage types you need to purchase. 

How can I save money on my home insurance?

Home insurance will be a recurring expense that homeowners must cover every month. As such, it’s a good idea to do what you can to reduce home insurance costs.

Fortunately, there are quite a few ways to bring home insurance premiums down. Homeowners can lower home insurance costs by bundling multiple insurance policies with the same provider. For example, they may enjoy a discount if they purchase both home and auto insurance from the same provider.

Homeowners can also reduce costs by increasing their deductible amount or making home improvements that increase home security. 

If you’d like to learn more about your home insurance options in Allen, TX, contact us at Texas Independent Insurance with your questions. 

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