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.

The Importance of Cleaning Your Gutters

Cleaning gutters is not a chore anyone looks forward to. It can be a pain to drag the ladder out and a hassle to dig leaves and debris out of the trough. However, it is highly recommended that you clean your gutters at least one time per year, and more if needed because of excessive debris. Learning the importance of cleaning your gutters may make this terrible chore seem like less of a hassle.

Gutters Help Prevent Foundation Problems

One of the reasons why it is important to keep gutters free of debris is because they can prevent foundation problems. They channel water away from your home, rather than letting it fall directly on your foundation. If the gutters overflow, they land on the foundation of your home.

Gutters Help Prevent Water Damage to Siding

Another reason why it is important to clean gutters is they help prevent water damage to your siding. When gutters get too filled, they can collapse, crack or break. This causes water to hit the siding of your home, which can lead to water damage.

Gutters Help Flow Water Off Your Roof

The last reason it is important to clean gutters is that the gutters help water flow off your roof. If the gutters are full, water may puddle on the roof. Or worse, can freeze in the trough, causing an ice dam to form. Both of these are damaging to roofs and can cause them to need to be replaced sooner than otherwise would be needed.

Your gutters can help prevent issues that may cause you to have to file a homeowner’s insurance claim. For those interested in obtaining a new homeowner’s insurance quote in the Plano, TX area, or those who want to learn more about optional coverages, contact Allegiance Insurance. We can help you obtain the right policy based on your budgets and needs. Give us a call today to get started.

 

Items In Your Home That You Should Be Recycling

Recycling has become a big part of our world. Many people are beginning to advocate for recycling and it is a great way to help your community and the world as a whole. If you are already someone who recycles, then there may be even more you can do that you are unaware of. There are many items in the home that you can recycle. Read our list to see if there is anything that you may have that you can recycle and do some good for the world today. Be sure to contact us at Allegiance Insurance Agency for all of your insurance needs or to review your current homeowners insurance policy.

Plastic

Plastic is something that you should always recycle. If you drink bottled water or drink milk from a plastic jug, then you can recycle the items instead of throwing them away.

Aluminum

Aluminum is found in soda cans and other like items. You can rinse out the soda cans and recycle them at your local recycling center. 

Paper

All paper should be recycled, even paper that you may have shredded. There are places you can take shredded paper for recycling. paper includes newspaper, bills, and any other paper product in your home.

Glass

Glass is something that people may not use very often but it is something that takes a long time to decompose. That is why it is important to recycle all glass in your home instead of throwing it out. 

Batteries

Something you may not realize you can recycle are batteries. Instead of throwing out old batteries, try to find a place that will take them and recycle them for you. This is even true for cell phone batteries and other electronic batteries. 

3 Reasons Why Home Insurance Is Important

It is important to explore home insurance in Plano, Texas. While it is not required by the state, it may be required by your mortgage lender – and it is going to help you in a wide range of ways. It’s certainly worth the investment, and comparisons can be made to ensure you get an affordable premium.

Protect Your Property

Your property needs to be protected at all times. With home insurance, your dwelling will be covered – and this may include additional buildings on your property, such as a shed, secondary garage, or a barn. When you explore homeowners insurance coverage levels, it is simply a matter of identifying all of your property in order to ensure that coverage is in place.

Protect Your Assets

There may be a number of assets within your home. This can include furniture, jewelry, art, and much more. It’s possible to establish a list of the assets so that you are covered on everything. This way, if there is ever a break-in and the items are stolen, you may be able to obtain cash value for everything that is included within your policy. Additionally, if any of these items are damaged, it may be possible to have them replaced.

Ensure Your Home is in Good Condition

If something happens to your home, such as something being burned or shingles falling off of your roof, you want to make sure that your home is always in good condition. Instead of paying for all of these repairs on your own, you can file a claim with the insurance company and have them make the repairs.

Call one of our independent insurance agents at Allegiance Insurance Agency  today. We can talk to you about home insurance, what your options are, and get quotes from some of the top companies around Texas.