Flood insurance can be confusing!  Do you need it?  Will it cover everything?  If you own a home in the Arlington, TX area, you may need it, and you want to make sure it covers your assets if you do.  There are several myths about flood insurance that muddy the issue.  Here are some myths busted about flood insurance for you.

1.    You must live in a flood plain to get a policy.  Not true.  If you reside in a flood plain, the mortgage company may require flood insurance, but you can buy a policy even if you don’t.

2.    Flood insurance is only for high-risk areas.  This myth is also not true.  Anyone can purchase flood insurance.  Remember that there are different types of flooding that can damage a home.

3.    A flood insurance policy will cover everything.  Not necessarily true.  There are caps on the amount of coverage for the structure of the house and personal property.  It would be best if you worked with an agent to review any limitation in your area.

4.    A homeowner’s policy will cover a possible flood.  Unfortunately, this is not true.  Typical homeowner’s policies exclude earthquakes and floods.  Make sure of your home coverage with an agent.

5.    All water damage is the same.  Not true.  Some storm damage may be covered under your homeowner’s policy and some may not. 

6.    Flood plain maps don’t change.  These maps actually do change over time, and an agent can help you check.

Strack Insurance Services

We at Strack Insurance Services also live in the Arlington, TX area, so we know which type of flood insurance will best protect your valuable assets.  Contact a Strack agent today to explore your current policy or a new policy to fit your needs.

Do you love to get out into the wilderness and ride your ATV? These vehicles are a great way to spend your weekends in the outdoors with family and friends! If you primarily ride your ATV off-road you may not think that you need to insure the vehicles.

While there are low thresholds and requirements for off-road vehicle insurance, it makes sense to carry adequate coverage for all of the motorized vehicles that you and your family use. If you are a resident of the greater Arlington, TX area and love to ride off or on road on your ATV it’s time to take to the fine folks at Strack Insurance Services about your protection options.

Even if you don’t ride your ATV on the road, it makes to have insurance

If your ATV is damaged when you are trailering it out to the woods or is stolen from your camp, you will be glad that you have insurance protection! There is also the likelihood of an accident or mishap that can arise when you are operating these off-road vehicles. Think for a moment that one of your children’s friends is injured when riding on your family’s ATV. In addition to the sadness that you will feel for their medical condition, you may also be facing a financial or legal situation that can cause your family a lot of pain. Don’t be lulled into a false sense of security because you do not use your ATV for road use!

Don’t get stuck holding the bag in the event of an accident, mishap, or theft involving your ATV in the Arlington, TX area. Contact the team at Strack Insurance Services today and learn more about how insuring these vehicles makes sense for you and your family.

If you love to travel, especially on the open road, then a recreational vehicle might be a great option for you. Also known as an RV or "motor home," a recreational vehicle can be a fun and luxurious way to visit new places or spend vacation time with family. As with any other asset or investment, you will want to make sure that your RV is protected against any unforeseen circumstances. The best way to do that is to purchase a comprehensive RV insurance policy. Strack Insurance Services in Arlington, TX will be able to help you choose the right plan for you and your vehicle. 

What is Considered an RV?

If you are not sure whether your vehicle qualifies as a recreational vehicle, here are a few distinguishable features of each RV class:

• Class A RV – These vehicles are motor homes, no matter what type of chassis is beneath them. These also include commercial passenger buses or school buses that have been converted into a luxurious mobile home. 
• Class B RV – These vehicles are campervans. They are generally smaller, more conventional vans that have a raised roof. They may include a small kitchenette and sleeping space.
• Class C RV – These are usually attached to the back of a truck and hauled along on a trip. They usually have an alcove that fits onto a truck, allowing for a sleeping space or entertainment area above the truck cab. 

Contact Strack Insurance Services in Arlington, TX

If you are getting ready to head out on the road trip of your dreams, make sure you are prepared for any surprise incidents that may come up. Give Strack Insurance Services a call for help in choosing which policy is the right one for you. 

One of the best ways that you can spend a nice day is out on the water on your very own boat. If you do have your own boat, it is important that you consider all of your responsibilities that come with it. One important factor to consider is whether or not you should get insurance on your boat. While it is not necessarily required by law in the Arlington, TX area, there are still several reasons why its protections could be beneficial.

Covers Damage or other Losses

The main reason why you will want to have insurance for your boat is that it can provide you with coverage for any damage or other losses that you have. When you own a boat, there is always the risk that it could be damaged during a storm, vandalized or stolen by another person, or involved in an accident. In any of these situations, a full boat insurance policy will provide you with the coverage that you need. 

Liability Protection

Any owner of a boat does not on liability whenever they use it. If you are operating a boat, you could be held responsible for any damage or injuries that occur as a result of your actions or boat. When you have a boat insurance policy in place, you will receive financial coverage and support if you are sued by another party that suffered a loss during an accident. 

When you are looking for boat insurance in the Arlington, TX area, contacting Strack Insurance Services would be a great option. The team at Strack Insurance Services is very educated on the risks that come with owning and operating a boat. This company can then help you get into a policy that will provide you with the coverage you need. 

If you are looking for ways to lower your motorcycle insurance premium in Arlington, TX, there are things you can do.

Purchase a More Basic Motorcycle: Bikes with bigger engines or ones that look like they belong on display at the dealer can create a better driving experience, but they can also be more costly for insurance. A smaller bike without all the bells and whistles will lower premiums.

Choose a Higher Deductible: With a higher deductible, you are responsible for more of the policy’s risk, which will help lower the premium. With a higher deductible, you will pay more in the event of a loss but will save on premiums.

Buy Only the Coverage You Need: You should have enough coverage to cover your labor costs, bike parts, and any medical expenses form hospital stays, in order to prevent out of pocket costs later. However, if you are looking to save money you can decide not to purchase collision coverage, accessory insurance, or trip interruption insurance, as well as other coverage you don’t need.

Combine Insurance Policies: When using a single insurance company, such as Strack Insurance Services, you can bundle policies like motorcycle, auto, and home, and get a drop in premiums.

Get Certified in Motorcycle Driving: Passing a motorcycle safety class can sometimes give you a discount on insurance. Even if you are a seasoned rider, you could still benefit from these techniques.

Be a Safe Rider: No matter where you are getting insurance from, if you are a safe rider then you pose less risk. Any accidents or violations will usually increase your costs. Many companies will offer discounts to safe drivers.

Pay in Full: Many companies will give you a discount when paying your premium in full for six months or a year, instead of paying monthly.

Contact Strack Insurance Services, serving Arlington, TX, to get a quote on motorcycle insurance. 

Why do you need mobile home insurance?

Mobile homes are a growing option in permanent housing. Because mobile homes are now built to standards compared to traditional homes, more families are choosing them as permanent housing. Because of this, mobile home insurance is a growing necessity throughout Texas. While you can customize your policy to include a variety of options, the standard for mobile home insurance in Texas can be found below.

• Dwelling Coverage
• Personal Property
• Liability Protection

Like standard home insurance, dwelling coverage is essential. Any attached deck and roof would be included in this policy. If for example, a tree were to fall on your home, your home and any built-in attachments would be covered under your policy. Also, mobile home insurance policies cover any additional living expense fees, should your home become uninhabitable due to structural damages. 

Personal property includes the items found in the home up to a specific value. If your home is victim to theft or accidental fire damage, your personal property within the home would be covered under this plan. 

From time to time, we all enjoy hosting guests for a variety of reasons. If you are entertaining and a guest has an accident that requires medical or legal attention, the liability protection of your coverage will cover your financial for any incurring fees. 

Add-On to Your Policy

Do you desire to add any outside storage to your property? Would you like it insured? Your mobile home plan has the flexibility to cover additional structures. If you plan to build an unattached garage or shed that will house valuable personal property, it is a good idea to add that to your policy in the event of the aforementioned tragedies. 

Get Your Mobile Home Policy Today!

Located in Arlington, TX, a Strack Insurance Services agent would like to discuss your coverage plan today. Contact us here to schedule an appointment.

Why do you need mobile home insurance?

Mobile homes are a growing option in permanent housing. Because mobile homes are now built to standards compared to traditional homes, more families are choosing them as permanent housing. Because of this, mobile home insurance is a growing necessity throughout Texas. While you can customize your policy to include a variety of options, the standard for mobile home insurance in Texas can be found below.

• Dwelling Coverage
• Personal Property
• Liability Protection

Like standard home insurance, dwelling coverage is essential. Any attached deck and roof would be included in this policy. If for example, a tree were to fall on your home, your home and any built-in attachments would be covered under your policy. Also, mobile home insurance policies cover any additional living expense fees, should your home become uninhabitable due to structural damages. 

Personal property includes the items found in the home up to a specific value. If your home is victim to theft or accidental fire damage, your personal property within the home would be covered under this plan. 

From time to time, we all enjoy hosting guests for a variety of reasons. If you are entertaining and a guest has an accident that requires medical or legal attention, the liability protection of your coverage will cover your financial for any incurring fees. 

Add-On to Your Policy

Do you desire to add any outside storage to your property? Would you like it insured? Your mobile home plan has the flexibility to cover additional structures. If you plan to build an unattached garage or shed that will house valuable personal property, it is a good idea to add that to your policy in the event of the aforementioned tragedies. 

Get Your Mobile Home Policy Today!

Located in Arlington, TX, a Strack Insurance Services agent would like to discuss your coverage plan today. Contact us here to schedule an appointment.

For freelancers who recently quit a 9 to 5 job, one of the most daunting tasks is finding an individual health plan. Some freelancers may be lucky enough to have a spouse who can add them to their group plan, others must find another alternative. Strack Insurance Services in Arlington, TX has qualified representatives that can walk you through your options. In the meantime, here’s some information to get you started.

When Do Freelancers Need Insurance?

If you’re an entrepreneur, freelancer or self-employed, you have a few coverage options under the Affordable Care Act, based on the following circumstances.

If you lose or leave a job, you can get insurance anytime, regardless of enrollment periods. The Health Insurance Marketplace is often a better option than COBRA benefits. The grace period for applying is 60 days from when your insurance coverage ends.

If your income is unpredictable, you can still get insurance. Also, if you’re self-employed, you still eligible for coverage through the exchange. 

Sometimes, the best option is a private insurer that caters to self-employed individuals. Rather than wade through all the options available online, work with a Strack insurance agent who is experienced in matching small business owners and freelancers up with the ideal health insurance plan.

What’s Happening to Obamacare in 2019?

The Affordable Healthcare Act had an open enrollment period for 2019, so plans are still available in 2019. If you experience any of the life event changes above you should be able to enroll even after the enrollment period. Your Strack Insurance Services agent in Arlington, TX can help you understand what’s available in your specific circumstances. Contact the office to schedule time to discuss your options and meet for a quote and to inquire about any other insurance needs you may have.

College is a wonderful time of learning and making new friends. It’s also an important time for professional advancement as well as fostering those first serious relationships. In the excitement of it all, it can be easy to forget about renter’s insurance for the college couple. But this important milestone should not be overlooked. Accidents and thefts can occur on or near a college campus in Arlington, TX, just like they can anywhere else. Whether you or your children live separately or together as a couple, there are a few important points everyone should look at with Strack Insurance Services at when it comes to renter’s insurance. 

One important list item to determine with renter’s insurance is whether you or your students already have it. If you have homeowner’s insurance and your college student lives on campus in a dorm, your homeowner’s insurance may cover one of the students. For a couple to be insured, whether or not they live in the same dorm, each student’s parents would need to have insurance that covers them. Homeowner’s policies vary, so check to make sure that your coverage includes property and liability insurance if that is what you need. Extra coverage may be necessary if the homeowner’s policy covers only property insurance. 

If you or your students are living off campus in a home, condominium, or apartment near Arlington, TX, you may want to acquire both liability and property insurance for everyone’s peace of mind. Some policies cover all those under the same roof and may cover both significant others, married spouses, or simply roommates. In other cases, each person will need individual insurance. Call Strack Insurance Services today to find the right policy for you or your students during college.