Just like auto insurance protects you and your vehicle, home owner’s insurance protects you and your house. In fact, home owner’s insurance is so important that you can’t get a mortgage without one. While homeowner policies vary in what in how much they cover, they all have the same end goal – to give you peace of mind that if the unexpected were to happen suddenly – you’re covered.
If you recently bought a home or are looking for a new policy for your home, here are some tips to help you choose the right home insurance in Plano, TX.
Insure More than the Home’s Value
This means that rather than insuring the home for what you paid for it, insure it for what it would cost to replace your home in the sudden event that it is destroyed by a small asteroid while you and your family are on vacation.
A Higher Deductible can Save you Money
On average, you can save about twenty-five percent on your home insurance in Plano, TX if you opt for a larger deductible. This can save you a lot of money over time, especially if your home is new and is located in an area with a paid firefighting station.
Bundle Your Insurance
When shopping for homeowner insurance, consider bundling it with your auto insurance to save money. Other ways to save money on Plano, TX home insurance is to install smoke alarms and a security system.
If you’re looking for the right home owner’s insurance for your property, Allegiance Insurance Agency can help. We will educate you on all the coverage options and find one that fits your budget.
The beginning of the year is a popular time to purchase a vehicle. With many people receiving a tax refund from working hard throughout the year, what better way to spend it than on a vehicle? Unfortunately, it’s the one time of the year when a lot of lemons are sold. However, you can decrease your chances of purchasing a bad vehicle by following these simple tips.
Get the CarFax
Carfax reports are an industry standard these days. These reports itemize the history of a vehicle, allowing you to make an informed decision about whether you should purchase the vehicle or not. In Plano, TX, you can buy a CarFax report online for a fraction of the cost of making frequent repairs to a damaged car. At Allegiance Insurance Agency, we encourage our customers to purchase CarFax reports or other reports that highlight a vehicle’s history.
Take the Vehicle to a Reputable Mechanic for Inspection
Beyond purchasing the vehicle’s history, you should also get the vehicle checked by a professional. You can never be too sure when it comes to such a significant investment. The previous owner could have traded the vehicle because they started having problems. A licensed mechanic will help you discover any current problems with the vehicle.
Don’t Purchase a Car That’s Had Multiple Owners
Another important tip to keep in mind is to avoid vehicles that have had multiple owners. Even though the records may reflect a good history, you don’t want to take the chance on a car that’s had multiple owners. Our team at Allegiance Insurance Agency recommends limiting the number of drivers to only one.
If you are in the market to purchase a new car this year, then we have auto insurance coverage for you. With the laws of Plano, TX requiring auto insurance, we want to keep you legal. Give us a call today to get a quote for auto insurance.