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. 

Can Home Renovations Affect Your Home Insurance?

Any changes that you make to the structure of your Richardson, TX home will affect your home insurance. Some renovations could raise the cost of your insurance premiums; others could make you eligible for home insurance discounts. By discussing home improvement plans with your Allegiance Insurance Agency agent in advance, you can get a better idea of how your projects will affect your insurance coverage so you can prepare to adjust your policy accordingly. Here are a few ways home improvements affect home insurance coverage and costs.

Reduces Insurance Premiums

Some renovations can actually reduce your insurance premium due to minimizing your risk of damage to your property. A new roof, for example, offers greater protection to the structure and interior of your home, which could qualify you for reduced insurance rates. If your renovations enhance the safety of your home, such as a new security system, new HVAC or electrical system or upgrading your plumbing, you may be eligible for discounts on your insurance coverage.

Increases Insurance Costs

Renovation projects that add livable space to your home (new bedroom, back patio, mother-in-law apartment, etc.) may increase your insurance costs as it increases the areas that need to be insured. Once you add these renovations to your policy, you may see an increase in premium costs. If you purchase new furniture or electronics for renovated areas, these items will also need insurance protection, which may increase coverage costs.

Major home renovations can also increase the value of your home, requiring that you increase your dwelling coverage to cover the new value of your property. Increasing your dwelling insurance ensures you have sufficient coverage to rebuild your home if it’s destroyed in an unforeseen disaster.  

For customized home insurance coverage to fully protect your Richardson, TX property, contact Allegiance Insurance Agency today. 

3 Ways to Reduce Your Risk of a Home Fire

The agents at Allegiance Insurance Agency know how devastating a home fire can be. It is estimated that a home fire occurs every 86 seconds. This can result in billions of dollars each year. The following tips are meant to help the residents of Richardson, TX avoid being the victim of a house or apartment fire.

Eliminate Extension Cords

Eliminate extension cords and replace them surge strips that are designed to handle more current. Surge strips also protect items from surges of electricity that can blow circuits and damage components. Regular extension cords can be trapped under rugs where they can fray and spark a fire.

Install Smoke Alarms

Homes and apartments should have at least two smoke alarms, one near the kitchen and one in the hallway near the bedrooms. If there is more than one floor, a smoke alarm should be installed on each one for maximum coverage.

Don’t Leave Candles Unattended

Never leave candles or open flames (fireplaces) unattended. If you are leaving, even for a few minutes, blow out the candles and allow the flames in the fireplace to burn down. Unattended candles are often the cause of home fires. It’s important to make sure they are always extinguished before going to bed or leaving a room for an extended period of time.

Richardson, TX residents are encouraged to call the agents of Allegiance Insurance Agency if they want to learn more tips on how to protect their homes from smoke and fire damage. They can make recommendations on ways you can protect your home from various other potential hazards. Schedule a meeting today to learn more.

Odd Facts That Can Influence Your Home Insurance

There are many responsibilities that come with owning a home and having the right insurance is part of it. Understanding your home insurance is tricky enough, but there are actually some odd facts that can also impact your homeowner’s insurance. To help navigate the waters better, the experts at Allegiance Insurance Agency in Richardson, TX have put together a short list of some factors that you may not have known.

Fire Hydrants

Because insurance is all about probability and possibility, having a fire hydrant in your front yard will yield lower insurance premiums. The thought process is that in the event of a fire, firemen will have easier access to water than if they have to go down the street for the closest hydrant.

Marital Status

In the eyes of insurance companies being married may imply that you are more responsible. Typically, single homeowners file more insurance claims than those that are married. If you are married and insuring your home, you can expect to see lower premiums. Often, married couples can also take advantage of getting multiple policies through the same insurer and can take advantage of potential savings. 

Age

Your age has a big impact on your home insurance.  People at insurance companies examine what typical insurance claims look like for different age groups and a number of claims each age group typically files. If you are younger you may partake in riskier behavior. Older people though may be more negligent about general maintenance and upkeep on the home. Just like with other types of insurance, expect the home insurance premiums to fluctuate with age.

Home insurance can be difficult to understand, but luckily for Richardson, TX residence, the experts at Allegiance Insurance Agency can help. Whether you are looking for new insurance or are looking to update your current home insurance, we are here to assist. 

How Does Home Insurance Work in Texas?

Whether you rent residential properties and want home protection, or you need to insure your personal residence, selecting the right homeowner’s policy is essential for mitigating risk. When you get insurance in Texas, there are some important things to know, before you finalize your coverage. Some coverage options are common, while others are not.

According to the Texas Department of Insurance, most homeowner’s policies cover items such as medical payments, personal property, personal liability and temporary living expenses, if you have to vacate your home under special circumstances. There’s also protection for the structural features of your residence.

The two basic types of coverage sold in Texas include all-risk policies (comprehensive) and named perils policies. All-risk policies provide the most protection, while named peril policies only cover the losses of specific causes noted in the policy agreement.  Even with an all-risk policy, not all types of damage or causes are covered.

The losses caused by floods, earthquakes, termites, and mold are not covered. However, your insurance agent can help you mitigate the risks associated with some of these causes, by enhancing your policy options. Having the right insurance to mitigate the risks in your area is critical for the preservation of your home and personal finances.

Getting a homeowner’s insurance policy in Texas is a process that requires careful consideration. You can get a full spectrum of coverage to match your needs and risk profile, but only if you work with qualified insurance professionals that can point you in the right direction. For additional information about home insurance in Plano, TX, please contact Allegiance Insurance Agency today.

Expect the Unexpected with Home Insurance that Covers Injuries

It could be that a visitor tripped and fell on your property, chipping two teeth. Perhaps you’ve just put in a swimming pool. It might even be that you foster rescued dogs. For today’s sometimes clumsy world, it pays to be certain of your home insurance coverage. Contact our independent agents today at Allegiance Insurance Agency and we can discuss your unique home situation and the concerns you may have. Serving the Plano, TX. area, we can set your mind at ease. We might find you some great discounts on home insurance. We can clear up any concerns you have about protecting your home and the people on your property. Not only can we access insurance policies from multiple providers to assure you of the best coverage at the best rates, but we can offer advice about avoiding injuries and lawsuits.

Many people don’t exactly understand what their home insurance coverage includes. For instance, swimming pools require a separate insurance policy from standard home insurance. Some policy providers set conditions on ownership of certain dog breeds. A home owner might never have considered adding more substantial coverage to their home to reduce the financial risk of potential lawsuits. Our experience and up-to-date knowledge of home insurance coverage policies can bring you savings and peace of mind. Here in the Plano, TX. area we understand common sense, and common sense usually involves protecting our hard earned property, lifestyle, and financial standing. At Allegiance Insurance Agency we can assist home owners who want to make sure they’ve covered potential threats to their home and financial security. Use the convenient online quote tool on our website to do your own research, or call  us at 972-424-0700.

 

 

 

 

How to Properly Submit a Claim

Your insurance policy helps you financially protect you in the event of unforeseen events. But in order to be reimbursed, you’ll need to know how to properly submit a claim to the insurer.

1. Know who to submit the claim to.

Insurance groups are highly departmentalized organizations. If you submit a claim to the wrong department, they won’t necessarily be willing or able to redirect it to the correct department. You might not even discover your mistake for weeks afterward. This can cause your claim to be unnecessarily delayed or even erroneously denied. If you have a claim to submit and you have any doubt as to where to submit it, call your representative at the Allegiance Insurance Agency in Plano, TX for guidance.

2. Know when to submit a claim.

It’s important to know when it’s necessary to submit a claim. Incidences include, but may not be limited to, property vandalism, property theft, weather-related damage, accident damage involving another vehicle, personal damage while in a vehicle or as a pedestrian. Refer to the policy  from Allegiance Insurance Agency in Plano, TX for specifics about what incidents trigger the need to submit a claim.

3.  Gather the Information You Need

Insurance claims adjusters will need to see a variety of documentation relating to your claim. Gather everything together in one place so you have access to it for the submittal. Keep it together in a folder, and make copies of any information you send in to the agent. Needed documentation may include; your policy number, your contact information, the beginning date of your policy, the date, time and location of the incident, contact information for everyone involved, contact information for any witnesses and law enforcement officers on the scene at the time, driver’s license number and insurance information for everyone involved.

Be prepared to offer any additional information as requested by your insurance claims adjuster, including a sworn statement guaranteeing that the information you’ve provided is true and accurate to the best of your knowledge. If you follow all three of these tips, you’ll be better assured of a fast decision on your claim.

 

Are You Prepared for a Home Emergency?

It is definitely not something that homeowners wish for but it is something that you should prepare for. In Plano, TX, you never know when disaster may strike. When it does, are you prepared for it? Can you survive in your home for a few days without being able to leave? If you do not have an emergency kit set up already, then it is time to get one started. Use this list from Allegiance Insurance Agency to get you started:

  • Food. You need to have food if you are not going to be able to leave your home for a few days. Make sure you have food that is non-perishable and that you do not have to cook it to eat it. 
  • Water. You also need to have water to survive. Make sure you have at least one gallon per day per person. The more people who live in your home, the more you will need. You should try to have at least three days’ worth of both food and water. 
  • First aid kit. This is important to have in case there are any minor injuries. You can get a good one from your local store and keep it in a secure place. Make sure it is always fully stocked in case you need it. 

You not only need to have a home emergency kit set up for your home but you also need to have a great home insurance policy. If you do not already have one in place, be sure to contact Allegiance Insurance Agency serving Plano, TX for a free quote and to explore your options. If you do already have a policy, they can take a look to make sure you are not paying too much and that you do not have gaps in coverage. 

Top 3 Interior Home Inspections to Make This Fall

Fall is a good opportunity to take a look around the home for needed repairs. The kids have returned to school, which leaves more time to inspect without interruptions. Moreover, the chilly fall weather in Plano, TX can be a guide as to just how prepared your home is for the upcoming winter.

While checking things inside the home, also contact the friendly professionals at Allegiance Insurance Agency. It is always best to have insurance coverage adequate enough to take care of household needs in the case of an emergency.

Without further ado, here are the top three home interior inspections to make this fall.

1. Window Panes

Always check your window panes in the fall to ensure that they have no cracks. These perforations will allow in the wintry cold. Consequently, your utilities bill can be much higher than expected.

If you experience any drafts coming from the window panes during the fall, go ahead and fill the gaps with a caulk filling. Also consider covering windows with plastic, which is an economical means of conserving heat.

2. Attics

These large spaces above our living quarters must have adequate insulation. If not, you can expect to feel cold breezes on some fall nights and throughout the winter months.

Choose from the many available types of insulation, including fiberglass, foam, natural fiber and wool. These materials are virtual blankets that keep your attic snug even on the chilliest Plano, TX  nights.

3. Doors

Doors that open to the exterior can let the cold in and heat out. Look for any gaps along the frame. Be sure to fill these spaces, either with something temporary, such as a towel, or a permanent seal.

Get Started Securing Your Home Today

Fall is the time to begin securing your home interior. With summer over, you need to prepare for the colder temperatures.

In addition, you should have insurance coverage to pay for any accidents that may occur to you, your family or property. To get started, contact the compassionate team at Allegiance Insurance Agency to discuss the best policy for you. Begin right now by checking the convenient online quote tool to learn just how much you can save.

 

 

 

Why You Need Home Insurance

Home insurance is something that every homeowner should have, whether they are required to have it or not. It is something that can be very beneficial in a variety of circumstances and something that you will not regret purchasing, especially if you need it. These are the main reasons you should consider home insurance according to Allegiance Insurance Agency serving Plano, TX.

  • You should want to protect your biggest investment. For most people, the purchase of a home is the biggest investment they will have. If you are going to spend money to purchase a home, it only makes sense to purchase home insurance to protect it.
  • It can save you a lot of money in the long run. If you happen to have a terrible incident in your home, home insurance can help you pay for the repairs or even a full rebuild of your home. Even though home insurance may cost you a monthly fee, it still saves you a lot of money if you ever need it.
  • It can help replace your belongings. Not only will your home insurance help pay for the repairs of your home, but it can also help pay for the replacement of any belongings that may have been stolen or lost to a fire, for example.
  • It gives you peace of mind. There is nothing better than knowing that your biggest investment is safe no matter what. Having a home insurance policy can make all the difference and help you sleep better at night. You will have a roof over your head no matter what with a home insurance policy.

If you would like to explore your options, get a quote, or take a look at your current policy, be sure to contact Allegiance Insurance Agency serving Plano, TX, today.