4 Ways to Protect Your Texas Home From Being a Victim of Theft

Protecting your home is important to homeowners in Richardson, TX and to us at Allegiance Insurance Agency. Below are four of the best ways to keep your home safe and protected from thieves. 

1. Install an Alarm System

One of the biggest deterrents for burglars is the presence of an alarm system. Attempting to get around it and keeping it from going off will put too much pressure on them. With an alarm system, you are notified immediately through an app on your phone. You can even have cameras installed to catch a visual of the person attempting to break into your home. 

2. Choose a Different Door

Many burglars find that a front door or back door with a large enough window can be enough for them to smash and come through despite the door being locked. With a different door, you are still able to get the light shining into your home and keep burglars from literally climbing through the door. 

3. Post Motion Sensor light outside

Around the perimeter of your home and property, you should post motion sensor lights that turn on when a large enough motion, such as a person walks by. For many thieves, these lights prevent them from looking for an entry point in the home and will often move away from your home. 

4. Keep those Hedges Trimmed

Having landscaped hedges that are trimmed and cut low keeps perpetrators from literally hiding in the bushes, because they can be seen. They will see right away that there is nowhere to hide and will move away from your home. 

Supplement with Home Insurance

While these tips are great, home insurance for your Richardson, TX is the best protection. Call our agents at Allegiance Insurance Agency today for more information. 

Does My Car Insurance Cover Hail Damage?

Bad storms can bring high winds and hail to the Richardson, TX area. If your car is setting outside, hail damage can be costly to repair. The agents at Allegiance Insurance Agency can discuss your policy options with you to ensure you get the coverage you need. It’s important to know what type of insurance coverage you need to cover hail damage and the cost to repair it. 

Comprehensive Coverage

A comprehensive insurance policy will cover hail damage as well as most other types of damage. It also covers vandalism, theft, and flood damage. This type of policy is a must if your vehicle still has a banknote attached to it. Most lending institutions require you to carry comprehensive coverage for as long as you are making payments. Once your car is paid off, you have the option to drop your coverage to collision or PL/PD.

What Does Collision Coverage?

Unlike comprehensive coverage, collision insurance will only cover damage to your vehicle that is a result of a collision or crash. It will not cover any type of weather-related damage. Collision is much cheaper than a comprehensive policy and is a popular choice for individuals who have recently paid their car off and are looking to reduce their premiums. 

If you live in the Richardson, TX area and have questions about what each type of auto insurance covers, contact the agents at Allegiance Insurance Agency. They have the answers you need and will go over all of the options with you. They can help you decide which policy best suits your needs. Call and talk to them today so you can schedule an evaluation of your existing policy.

Classic Car Insurance Facts

Classic car insurance is a type of nonstandard insurance. Allegiance Insurance Agency in Richardson, TX offers classic car insurance. If you are wondering if classic car insurance is right for you, check out these facts.

How Classic Car Insurance Differs from Standard Car Insurance

Standard car insurance policies will normally cover the cash value of the vehicle. This means it will cover what it would cost you to replace the vehicle. As time goes on, the car depreciates in value. As it depreciates the amount that the policy will cover decreases.

Classic cars are usually insured for an agreed-upon value. This means they are covered for an amount agreed upon by you and the insurance company. Classic cars often appreciate in value with time. The agreed-upon value can stay the same or be renegotiated when it’s time to renew your policy.

Vehicle Requirements for Classic Car Insurance

A car must be at least 15 years old before it can before it can be considered a classic car. Some states require the car to be at least 25 years old. In some cases, cars that are newer can be insured with classic car insurance. However, the car must be very rare or exotic to qualify.

 It must not be the car you drive every day. Many insurance companies place limits on how many miles can be driven in the car in a year. 

Classic cars must be parked in a secure location. A garage is often suitable, but some people choose to utilize a classic car storage facility for extra security and protection.

At Allegiance Insurance Agency in Richardson, TX, we are happy to offer classic car insurance. Contact us today to see if classic car insurance is right for your needs. 

How You Can Benefit from RV Insurance

Taking a trip and seeing the country is a dream that many people have. When you are looking to do this, a great way to tour the country would be by purchasing your very own RV. While an RV can be an amazing investment and asset, it is also something that comes with a lot of responsibility. For those that are in the Richardson, TX area, making sure that you have insurance for this vehicle is extremely important as it can benefit you in many ways.

Protects Your Asset

When you purchase a recreational vehicle, you will also be purchasing something that was likely a significant investment. Because of this, protecting it with an insurance policy is always a very good idea. When you get RV insurance, you will receive production for not only the recreational vehicle but any contents that you have inside of it. This will prove to be very valuable if you suffer any type of accident that results in a loss. 

Ensures Liability Protection 

If you are going to drive an RV, you also need to be aware that there is some risk of liability whenever you are on the road. When you get an RV insurance policy, you will receive liability protection. This will ensure that you have the ability to pay any financial restitution if you were going to be at fault for an accident that caused damages.

Richardson, TX RV owners would benefit greatly by contacting the Allegiance Insurance Agency to further discuss their RV insurance options. When you contact the Allegiance Insurance Agency you will learn more about how RV insurance can truly benefit an RV owner. Ultimately, this will help to ensure that your RV is properly protected and that you will be able to enjoy it while having peace of mind. 

Safety Tips for New Motorcycle Riders

Whether you’re new to motorcycle riding or an old pro, safety is a priority. Motorcycle accidents can cause substantial physical injury and damage. Motorcycle insurance from Allegiance Insurance Agency in Richardson, TX will help protect you, your bike and others on the road. The following tips will also keep you safe as you travel.

Wear Safety Gear

Whether you’re going to the store or hitting the road, wear safety gear to protect you against accidents. This includes a safety helmet, protective eyewear, boots, leather jacket (especially for long distances) and motorcycle gloves. The right gear can minimize injuries in the event of an accident. If you’re riding at night, be sure your clothing has reflective tape to make you more visible to other drivers.

Ride Defensively

Follow the speed limit, stay in your lane and follow road rules to reduce the risk of accidents. Keep your headlights on at all times, always signal when changing lanes and stay clear of other drivers’ blind spots.

Hone Riding Skills

If you haven’t taken a motorcycle riding course, consider signing up for one. Here you’ll learn riding skills and techniques that can keep you safe on the road. The more practice you get on your bike before going on long-distance travel, the greater your chances of avoiding an accident.

Never Drink and Ride

The best way to prevent a motorcycle accident is to be fully alert when riding. If you’re going to drink, don’t ride. Even one drink can affect your judgment and reaction time, putting you and others at risk of an accident. In like manner, don’t ride when you’re sleepy or tired. If you’re hitting the road, plan frequent rest stops to avoid fatigue.

To ensure you have the motorcycle insurance protection you need, contact Allegiance Insurance Agency in Richardson, TX today.   

How Old Do You Have to be to Drive A Boat?

Boating provides hours of fun for the entire family. You can spend the day on the lake with family and friends fishing, water skiing or just cruising along the water. In Richardson, TX, the staff of Allegiance Insurance Agency offers boat or watercraft insurance to make sure you are fully protected every time you take your boat on the water with a driver of legal boating age.

Age Requirement

In the state of Texas, you must be at least 13 years of age to legally operate a boat with a motor capable of producing more than 15 horsepower. The same age requirement is in place for sailboats or other wind-driven vessels that are 14-feet or longer. In most areas, the age limit is strictly enforced, so it’s important to make sure all drivers are of the legal age or older.

Safe Boating Courses

If you have a teenager who would like to start driving your boat, you can sign them up for a safe boating course. Many can be found online that will teach general boat safety as well as proper boating etiquette that will teach your young boater who to share the water with those around them. It’s also important that you work with them while on the water, giving them valuable hands-on experience.

Contact the agents at Allegiance Insurance Agency in Richardson, TX who have much of the information you need when it comes to safe boating and the laws that are in place. Call to schedule an informational meeting if you have questions concerning whether or not your child can be insured while driving your boat. They have the answers you need.

When Can You Get Health Insurance?

When you are trying to find health insurance in Richardson, TX, you usually need to wait until open enrollment. The open enrollment period starts on November 1 and ends in December. Even after the open enrollment period has ended, there are still some instances when you can get health insurance with Allegiance Insurance Agency.

There can be certain life events that qualify you for a special enrollment period. This enrollment period is usually 60 days when you can get health insurance even if it is after the normal period. These qualifying life events can be losing your health coverage through an event such as divorce, losing your job, or expiring coverage. If you voluntarily quit the health plan or are canceled because you didn’t pay premiums, you will not be eligible for a special enrollment period. If you get married, have a child or adopted a child, permanently moved somewhere with different options, or are aging off your parent’s insurance plan, you can qualify for this special enrollment. During this time, you can shop around for health insurance on a public or private exchange. You will have the same options you would normally get during open enrollment, such as copay plans. If you don’t purchase coverage during this period then you will have to wait until the next open enrollment period. However, you can get a short-term plan to cover yourself until you can get a different one.

If you miss the deadline and don’t qualify for Medicaid or another special enrollment plan then you can consider a short-term health plan. Premiums can be based on your medical history and won’t usually cover pre-existing conditions. However, these short-term plans can provide security from unexpected and catastrophic healthcare emergencies.

Contact Allegiance Insurance Agency, serving Richardson, TX, to get a quote on health insurance. 

The Benefits of Whole Life

If you are a “baby boomer” nearing the age of retirement and you bought whole life insurance when you were in your twenties, you are really happy with the decision you made when you were younger. If you are a millennial just starting out, your chance to buy whole life is right now.

The key to understanding long-term value is to realize that you invest in something before you really have a need for it so that as you get older it is ready to help you.

Do I have to die for life insurance to be worth something?

Facing the possibility of one’s death is not pleasant for anyone. Life insurance gets a bad rap because of this. However, the death benefits for life insurance are supposed to help the ones you love who are left behind and that gives you some comfort. Nevertheless, there are many more self-interested reasons to get life insurance.

Beat the Odds – While You Build Cash Value

Imagine you get whole life insurance and you pay the same amount monthly for decades. It is not such a big amount if you start when you are young. The younger you are when you start, the lower the monthly premiums can be.

What happens with whole life insurance is that it builds up value over time. This is called “cash value.” Also, each year life insurance pays a dividend that can be re-invested in the life insurance, thereby increasing the cash value or the dividends can be taken out when paid.

As the cash value increases, you can borrow against it. Usually, these loans are at very low-interest rates, which is really helpful while you are still alive.

After many decades, a person may reach the age when their whole life insurance is “paid up,” which means there are no further premium payments necessary to pay to receive the death benefit.

This is what we mean by beating the odds. That lucky person can either leave the death benefit in place for any heirs to inherit or in some cases can cash out the policy and receive a lump sum payment.

What happens when you beat the odds, depends on the type of life insurance you have, so talk this over with your agent at Allegiance Insurance Agency, serving Richardson, TX and the nearby area.

Call to speak with your agent at Allegiance Insurance Agency in Richardson, TX to get a quote for life insurance or use the super-easy online form to request a quote.

Should I Have Business Interruption Insurance on My Commercial Policy?

Business interruption insurance is available to business owners who have to close their businesses. It’s not typically included in general commercial policy but is instead available as a rider (or add-on to the policy). This form of insurance can be extremely helpful to people in Richardson, TX, but not everyone will need it. Allegiance Insurance Agency wants you to know the specifics before making the decision. 

Covered Events and Shutdowns 

The idea behind business interruption insurance is that if you can’t make money due to a covered event, you’ll still have some degree of income coming in. For example, let’s say you run a retail clothing store in Richardson, TX. You make a certain amount of revenue during the weekdays, but the vast majority of your profits are earned on the weekends.

If your store sustains water damage and needs to be closed for two weeks due to repairs, you’ll miss out on a whole half month’s worth of sales. You’ll also be handling the specifics of the repair process, and likely too busy to think about much else. Business interruption insurance will take into account your weekly numbers before providing you with funds to cover your loss of income. 

A Policy for You 

If you own a company where you can work from a different location if your regular one undergoes damage, you likely won’t need to purchase business interruption insurance. However, you may still need to consider the time and effort needed to restore your location. If you want to learn more about who can benefit from this form of insurance, call Allegiance Insurance Agency today. We can help you consider what it will really mean to handle your responsibilities and maintain a business at the same time. 

When Do You Need an Auto Insurance Review?

It is a good idea to make sure you have adequate insurance protection to conduct a regular annual auto insurance review. Life changes of certain kinds and changes to your vehicle(s) are also a good time to have an auto insurance review. Talk to your agent at Allegiance Insurance Agency, serving Richardson, TX and the nearby area, when any insurance adjustments may be needed.

Changes that Affect Auto Insurance

Here are some changes that are good reasons for an auto insurance review:

Moving

Let your agent know if you are planning a move.

Marriage and Divorce

Getting married or divorced usually means changing the authorized drivers on the auto insurance policies.

Getting a New Job

If your new job adds to your commute distance, then this is something you want to tell your agent.

Changing Where a Vehicle is Parked

If you change where the vehicle is parked, for example, putting it in a secured garage instead of parking it on the street, let your agent know.

Letting Another Driver Use the Vehicle

If you allow another driver to use your vehicle, then ask your agent about adding them as an authorized driver.

Vehicle Improvements

Examples of improvements that warrant an insurance upgrade include custom work done on a vehicle, such as a new custom paint job. Also, installing new equipment, such as an expensive stereo system, a GPS device, an alarm, an anti-theft device, or adding a hitch to pull a trailer.

If you are going to pull a trailer be sure to let the agent know and discuss the value of what you will be pulling so that the protection for that item, such as a boat, can be put into place as well.

Changing Vehicle Usage

If you start using your vehicle for carpooling or work-for-hire, you will want to adjust the auto insurance to change it to a commercial policy to provide protection for the passengers and the new use.

Selling the Vehicle

Make sure the title is changed to the new owner before canceling your auto insurance to make sure there is no gap in insurance coverage. If you have any of these changes or others contact your agent at Allegiance Insurance Agency in Richardson, TX.