Motorcycle insurance is similar to auto insurance in that it provides financial coverage and protection in different situations. Our team at Strack Insurance Services is happy to explain what coverage and protection are offered by motorcycle insurance. We’re committed to educating our Arlington, TX residents.

What Does Motorcycle Insurance Cover?

Typically, a standard motorcycle insurance policy will cover medical payments, bodily injury, and property damage. Crashes and underinsured/uninsured motorists are covered as well. However, this coverage is optional. Motorcycle insurance provides protection and financial coverage for accidents, injuries, and property damage. 

How Does Property Damage Motorcycle Insurance Cover Damage to Someone else’s Property?

Property damage coverage designed to cover damage to someone else’s property falls under liability coverage. Liability property damage coverage kicks in when you are at fault for an accident that damages someone else’s property. 

Property damage incidents occur more frequently with motorcycles than with cars. This insurance will pay for repairing or replacing property damage caused by an accident where you were declared at fault. Texas requires motorcycle drivers to carry at least $25,000 in property damage liability. These funds are used to rebuild, repair, or make adjustments to damaged property. In some situations, property damage may be extensive and require total replacement. These funds are allocated for replacement as well. Of course, you can purchase more insurance if needed. However, Texas law requires motorcycle drivers to carry at least $25K in property damage liability. 

Our team at Strack Insurance Services can discuss your specific situation and come up with compatible coverage options. We understand that our Arlington, TX residents may have many questions regarding what’s covered under a motorcycle insurance policy. As a result, we’re here to answer all of your questions. Give us a call. We’re standing by.

If you love spending time on the water, you know that boating can be fun. But it’s important to be aware of the risks involved in boating and take precautions to minimize those risks. Here are five of the most significant safety risks when boating and how insurance can help protect you against them.

1. Collision With Another Vessel

When two boats collide, it’s not just a question of damage to each boat. Depending on the speed and size of the boats, people can be seriously injured or even killed. Boat insurance can help cover the cost of damages and injuries.

2. Falling Overboard

This is one of the most common risks when boating, and it can happen in several ways. Whether it’s slipping on a wet deck, being pulled overboard by a passing boat, or simply not paying attention and falling off your own boat, it’s important to be aware of the danger of falling into the water.

3. Fire

A boat fire can be caused by many things, from careless smoking to faulty wiring. A fire on board a boat can spread quickly and cause serious damage, so it’s essential to have insurance that will cover the cost of repairs.

4. Weather Conditions

Several weather-related risks come with boating, from storms and high winds to waves and lightning. And while you can’t always control the weather, you can be prepared for it by having the right insurance.

5. Equipment Failure

Whether it’s your boat’s engine quitting or your sails tearing in a storm, equipment failure can put you in a dangerous situation when you’re out on the water. And if you don’t have insurance to cover the repairs, it could be costly.

No matter how careful you are, there’s always a risk that something could go wrong when you’re boating. But if you have the right insurance in place, you can rest assured knowing that you’re covered in case of an accident or emergency. Strack Insurance Services can help you find the right boat insurance for your needs in Arlington, TX, so contact us today to get started.

Riding an ATV can be a great way to have fun and enjoy the outdoors. If you enjoy riding, you may be wondering if you need insurance for your ATV. The truth is that you really should have some sort of protection. Many places even require insurance if you want to ride on their land. 

That being said, you may be unsure about what ATV insurance covers? Here are some things that will be covered under your plan. 

Bodily Injury Liability will pay for medical bills for anyone that is injured in an accident. It may also cover any legal fees if you get sued because someone is injured while riding your ATV. 

Property Damage Liability covers any damage that may occur to someone’s property if you are in an accident on their land. This may include damage to a fence that you hit while you were out riding or any other damage that you could have done. 

Uninsured/underinsured motorist is optional insurance that you may want to consider. It will protect you if you are involved in an accident with someone who doesn’t have insurance (or just doesn’t have enough). 

Collision is also optional insurance. This will cover any damage that occurs to your ATV in an accident, even if your ATV rolls over. You may want to add this option if your ATV was expensive. You may be required to have this if you are taking out a loan to buy your ATV.

Comprehensive is also optional. It includes damage that may occur to your ATV when you are not riding it. This includes theft, vandalism, flooding, and much more. 

If you are unsure about whether you need ATV insurance, be sure to call Strack Insurance Services in Arlington, TX. 

Do you own an RV? The team at Strack Insurance Services is here to help you with all of your insurance needs. If you are in the greater Arlington, TX metro area, you can rely on us! Let us help you make sure that your RV is fully protected.

Comprehensive coverage for your RV

Getting out on the open road is one of the many joys of owning an RV. But, you will also need to have insurance coverage when it is in a campground or RV park, or stored at home. Out on the road may be where you spend the most time in your RV, but it isn’t the only place where you need insurance coverage.

When you opt for a comprehensive RV policy, you are choosing to give yourself the peace of mind that comes with knowing that you have the protection you need. A more comprehensive policy can help protect you in a number of different situations. For example, if you take your RV to a campground or park for an extended period of time, you may need additional liability coverage. This is especially true for anyone who entertains a lot or has multiple visitors staying with them in their vehicle. Injuries can happen, even in an RV!

Think beyond the road when it comes to finding the right insurance policy for your vehicle. You want to make sure that you are protected, no matter where you are.

Call or stop by today!

Arlington, TX area residents can count on us! The team here at Strack Insurance Services is dedicated to serving the insurance needs of our community. Give us a call or stop by our office to learn more about how you can protect your RV no matter where it is!

Mobile home insurance is similar to most standard homeowners’ insurance policies. That being said, it can also vary between companies, so you are going to want to shop around for the plan that is going to work best for you. Don’t be afraid to read the fine print, to make sure that you are fully protected. 

So, what does mobile home insurance cover?  

Physical structure and contents. You will be covered if something happens to your mobile home. It will protect your investment from things such as fire, storm damage, and even theft or vandalism. 

It will also cover some additional structures that you may have on your property. This may include a porch or even a garage. It should also cover your belongings that are inside your home. 

Liability. You also need to have liability coverage, which will protect you if someone is injured on your property. It will cover their medical bills, along with any expenses that you may have if you get sued.

It may also cover damage to someone’s property that is done by someone that lives in your home. If your children break someone’s window while they are playing ball, your mobile home insurance will likely cover the damage. 

If you are looking at buying a mobile home, you want to make sure that you are protected in case something happens to it. You are going to need insurance to protect your investment, as well as liability insurance in case someone gets injured at your home. 

If you want to make sure that you are fully protected, you are going to want to talk to a professional. Don’t hesitate to contact us today at Strack Insurance Services in Arlington, TX. 

When you are in need of health insurance, there are many options available in Texas. It can help to go through an insurance agent so that you have all of the facts available to you and you can pick just the right plan for your needs. If you are a business shopping for a healthcare plan for your employees, an agent can be equally helpful in helping you to choose a plan. If you’re interested in buying health insurance, give us a call at Strack Insurance Services in Arlington, TX. 

Catastrophic Insurance

For many people who are self-employed or work as freelancers and contractors, getting an inexpensive policy may be what is best. A catastrophic policy is one that has a very high deductible so that what is usually paid for are expensive illnesses and injuries. With the high deductible, the deductible is often not met during the year, and everything is paid by the policyholder. When you have this type of insurance, it may also give you a discount on the healthcare services that you get.

Other Health Insurance

If you don’t want the high deductible, and you don’t mind your premiums being higher, there are other plans that you can look at. You can get plans that have a lower deductible and out-of-pocket cost so that you may meet it during the year and have the rest of your healthcare paid for by the insurance company. This type of health insurance often gives people better peace of mind than one with a very high deductible. 

Get Your Health Insurance in Texas

No one should be without health insurance. Healthcare costs can be so high that it only makes sense to carry a health care policy. If you need a policy in Arlington, TX, call us at Strack Insurance Services.

Homeowners aren’t the only ones who need insurance. Renters should buy protection too.

Yet, few renters are truly aware of the value of insurance. And, this misinformation can be costly. Although landlords carry their own plan, this includes the building structure only and excludes any belongings. In contrast, renters insurance policies are uniquely created for people who are renting an apartment, condo, home, or other living space. Without individual coverage, you are exposing yourself to unnecessary risk.

Fortunately, Strack Insurance Services in Arlington, TX can help. While every plan can be customized with different available add-ons, most renter’s insurance policies will feature these three coverages.

Personal property protection

Protect the contents inside your rental. This is perhaps the biggest benefit of renters insurance. In the event of damage, destruction, loss, or theft, renters insurance will reimburse you up to the policy’s limit. Furniture, electronics, jewelry and other valuables could be included. Provide your agent with a list of your belongings. This will help determine your coverage needs.

Liability coverage

Even the best planning can’t prevent accidents from happening. If one does occur, liability protection is key. Standard in most renters insurance policies, this can help pay for medical expenses or legal fees if you are found to be legally responsible for an accident.

Loss of use reimbursement

If a natural disaster or other severe damage forces you to relocate, renters insurance has you covered. Known as "loss of use," this coverage will compensate for any additional living expenses you may incur. In addition to finding a new, temporary residence, this often includes payments for meals and travel related to this move.

Call Strack Insurance Services

Located in Arlington, TX, the agency knows the importance of a comprehensive, personalized renters insurance plan. To secure this much-needed protection, schedule an appointment today.