Keeping Your Boat Protected in the Lakes Around Richardson

Owning a boat is a huge responsibility and when it is properly cared for, can provide years of beautiful memories for you and your family. Allegiance Insurance Agency is here to help you make sure that your boat is fully covered and that you will be protected in the event of an accident on the water, or if your vessel is ever damaged. Richardson, TX has many boat enthusiasts and your local Allegiance Insurance Agency is here to help you find the comprehensive boat coverage that you need. 

All Boat Coverage is Not the Same

When shopping for boat coverage, be aware that all policies are not the same. There are many different levels of coverage that may or may not be applicable to your situation. Rather than wade through the particulars on your own, come and meet with one of our fully-trained agents that can help you find the right coverage for your needs. In addition to covering the craft itself, a comprehensive policy can help in the event of damage or injury to another party as well as your own.

Insurance coverage is necessary for all watercraft, and if you are unsure about the exact coverage that you need, come and sit down with one of the helpful agents at Allegiance Insurance Agency. We are fully trained and knowledgeable about a wide variety of boat policies and can help find the coverage that is best for your needs.

If you have recently bought a boat or are considering a purchase, come in and speak with one of the agents at Allegiance Insurance agency to find a boat policy that completely covers your needs. We are proud to serve the Richardson, TX area and look forward to seeing you soon!

I Just Found Out I’m Pregnant –Can I Buy Health Insurance?

There is a lot of confusion in regards to pre-existing conditions and health care coverage. One of the situations that we are presented with at Allegiance Insurance Agency, serving the greater Richardson, TX area, is a pregnant woman trying to buy health insurance. The woman may have just found out she is pregnant and is trying to get coverage to cover her throughout the course of her pregnancy. However, this is not how it works. Here is some information you need to know about pregnancy and health insurance. 

Private Insurance Can Still Deny Pre-Existing Conditions

You cannot be denied or charged more for health insurance due to pre-existing conditions only if you are buying from an employer or through the healthcare marketplace. If you are looking to buy from a private insurance company, they can deny you coverage or charge more if you are looking to obtain health insurance and are pregnant. 

Pregnancy is Not Considered a Life Event

The healthcare marketplace only allows you to enroll in a healthcare plan during the open enrollment period. This period is November 15 through February 15. You can only enroll in a plan outside of this window for a few life events, such as losing your job, moving or getting married. Becoming pregnant is not a life event. As such, you cannot simply enroll because you have found out you are pregnant. 

What You Can Do

If you are pregnant and not insured, you have a few options. You can try to purchase a private health insurance plan, knowing you may pay a lot for it, wait for open enrollment or pay for your appointments out of your own pocket. 

If you need health insurance in the greater Richardson, TX area, Allegiance Insurance Agency would love to help you. Give us a call today to get started.