If you live in Richardson, Allen or Wylie, Texas, you may have, or be looking for, a vehicle for recreational purposes, thanks to the warm climate which makes operating them year-round a feasible option. Whether you want to go fishing out on the local lake or take your bike out for a long road trip, make sure you're properly insured before you head out. Here are the basic facts about other insurance options in Texas:
Boat Insurance- Your time on the water will be enjoyable and carefree knowing that your boat or watercraft is covered in the event of an unfortunate mishap. Boat coverage typically includes fishing boats, house boats and jet boats. Insurance options include on-water towing, roadside assistance and total loss replacement.
Motorcycle Insurance- Your premiums will be determined, in part, by the type of motorcycle you have and how often you use it. In most areas, you must have liability insurance to protect yourself, but you should also consider having uninsured motorist coverage and medical liability to decrease the costs you'll have to pay in the event of a claim.
RV Insurance- To ensure you're well-protected while traveling around Texas, or the country, you have several options for your RV. Depending on how frequently you use it, you can choose from vacation liability, full-time use or emergency expense insurance. This policy covers more than just RVs; camper vans, fifth wheels, motor coaches, and Class A, B and C motor homes also fall into this category.
Classic Car-Whether you drive it every weekend or only during vacation, having enough coverage on one of your most prized possessions is essential. A classic car is usually considered one that's between 10 and 24 years old; older than that, it's classified as antique. Insurance for classic autos require that they are used on a limited basis for events such as car club activities, exhibitions and parades. Policies usually come with a mileage limit and the stipulation that you have maintained, restored or preserved your classic car.
Purchasing a policy for insurance for other types of vehicles isn't usually as simple as doing so for the auto that you drive on a daily basis, which is why it's best to work with us at Allegiance Insurance Agency. We're your local independent agency serving Collin County and Denton County. We will sit down with you to find out your unique insurance needs, explain your options and help you find the most affordable policy that includes the coverage you need.
You can't drive without car insurance and most people need homeowners insurance to satisfy their mortgage requirements or tenant agreement with their landlord. However, too many Texans are going through life without health or life insurance, two policies that should be a top priority.
For the peace of mind that your family will have, knowing that they're financially secure should you pass away prematurely, life insurance is well worth the minimal cost. The two most common policy types are term life insurance and whole life insurance. Term is less expensive and covers you for an agreed upon length of time and is especially good for young families who haven't built up their savings. For a long-term policy, whole life will cover you as long as you're paying your premiums.
Hospitals in Texas estimate that over a quarter of Texas residents--including those in Richardson, Wylie and Allen, Texas--don't have any medical insurance. Medical debt is also the leading cause of bankruptcy in America, so don't put yourself out on a tightrope by not having a policy in place. Texas residents can easily get individual or family health insurance policies to meet their unique needs. Policies can usually be found even for those who have preexisting conditions and the agents at Allegiance Insurance Agency are able to help you get the coverage you need such as comprehensive plans, high-deductible plans, children's plans or temporary insurance plans for times when you're between jobs and without an employer sponsored insurance plan.
For more information on how to find the most affordable insurance options in Collin County and Denton County, Texas, contact us at Allegiance Insurance Agency today. We're always happy to help you understand and select a life or health insurance policy that's right for you and your family.