Some think that boat insurance is only needed when a boat is in the water; however, this is not an adequate way to protect from all the risks to a boat. A boat is more likely to be stolen or vandalized when it is in non-secure storage and just as likely to be damaged when being transported as the vehicle towing it.

Be sure to consult with your agent at Strack Insurance Services, serving Arlington, TX and the nearby area, to keep your boat insured properly.

Accidents with Boats on Land

The U.S. Coast Guard report on boat accidents shows that during 2015, 4,158 recreational boat accidents caused around $24 million in damages. There were 2,613 injuries and 626 fatalities. The number of deaths was 5.3 per 100,000 registered recreational boats.

The National Safety Council reports that during 2016 there were about 6 million auto accidents. In that year, there were 4.5 million serious injuries and 40,237 fatalities. The number of registered vehicles is around 269 million. The number of deaths was about 15 per 100,000 registered automobiles.

There is about three times the chance of dying in an auto crash than on a boat. If you tow your boat, think about how much time it takes to transport your boat on the roads to get to the nearest water. You need to be sure to have adequate insurance coverage to protect from this risk.

Boats Damaged in Storage

Inclement weather is getting worse due to climate change. It is not unusual for bad weather, with high winds and heavy rain, to uproot trees. Take a look at where you park your boat. Perhaps it is covered and placed outside or perhaps it is in a garage. Then, look at the nearby trees. Imagine what happens if they fall and smash your boat, even if it is inside the garage.

Conclusion

Hopefully, you are convinced why it is very important to have adequate insurance for your boat when it is both in and out of water. Call 817-557-0100 to speak with your agent at Strack Insurance Services in Arlington, TX to have a review of your boat insurance and get a quote.

When it comes to liability insurance you will generally find that the larger the vehicle, the more liability coverage you’re going to need. The thinking is simply that a truck can do more damage than a car. But liability is still incredibly important no matter the size of your vehicle.

If you are found at-fault in an accident, it might not just be the damage caused directly by your vehicle. While a motorcycle is unlikely to knock another vehicle off the road, a motorcyclist is just as likely as any driver to set into motion a chain reaction that causes a lot more damage than the initial collision. This goes for any type of bike or ATV. Whether it’s a scooter, a moped, a four-wheeler or a dirt bike, the initial collision might not be that severe, but if it sets off a three-car pile-up, the cost of covering those damages can stack up quickly.

The general rule of thumb in calculating your liability coverage comes down to where you live and how long you’ve been riding. A long-time rider in a rural area of Arlington, TX for instance is likely to do far less damage in an accident than a new motorcycle owner in a crowded city. In any event, liability costs are where a lot of the money goes when a claim is filed. Repairing or replacing your motorcycle is an expense that will ultimately be limited by the value of the bike, but there’s no telling what other damages may be incurred.

Whatever you ride or drive, you need to be protected, and that’s why Strack Insurance Services is here. Get in touch to see what we can do for you.

When it comes to getting the right level of health insurance coverage for your needs, there are plenty of options. But what type of coverage do you need to remain compliant with federal laws governing the amount of health care insurance individuals need to avoid a yearly penalty? Keep reading to find out more about those guidelines.

The Minimum Amount Of Health Insurance Coverage

In order to avoid a penalty for lack of adequate health insurance coverage, and an individual must maintain coverage for the majority of the year for what the government deems minimum essential coverage. It can be obtained through COBRA health plans, employer health coverage, grandmother and grandfathered plans, CHIP state insurance, and ACA compliant plans. Guidelines to what exactly qualifies as minimum essential coverage is outlined on the healthcare.gov website. 

Finding The Right Policy

Staying compliant and finding the right health insurance policy to meet you and your family’s needs are crucial in combatting illnesses and staying healthy now and in the future. That is why working with a skilled insurance provider is your best options for getting complete coverage and avoiding penalties while protecting yourself and your loved ones. If you are a resident of Arlington, TX and want to get the policy that meets your individual needs, you should contact Strack Insurance Services. 

Don’t take chances when it comes to your health and staying compliant with current federal healthcare laws. Call or stop by Strack Insurance Services if you live in or around the Arlington, TX area. Quality health insurance that can give you peace of mind is only a phone call away. 

Like standard home insurance, mobile home insurance includes dwelling coverage protecting the structure of the home. When properly maintained, the mobile home has the ability to last for several decades. Below are some things mobile homeowners should know to maintain their mobile home interior in addition to obtaining a policy with Strack Insurance Services. 

Minimize Wall Hangings

In most mobile homes, hanging heavier items can be damaging to your walls. Because there is minimal sheetrock in most of these homes, attempting to hang heavy decor or build additional shelving could cause the entire wall to come down from the weight. 

Get Some Caulk

Most bathrooms in mobile homes have showers and tubs that come in two pieces, leaving a large area for grout and mildew. A couple of tubes of caulk from your local hardware store will allow you to fill these holes and minimize the dirt and grime that could end up molding the room, providing a seal in that area. 

Skirt Maintenance

While the mobile home skirt is on the exterior, keeping it intact prevents the outside environment from getting beneath the house and destroying pipes and insulation, which are used for interior functions and could cause further damage into the home. Wildlife, insects, and other undesirable variables are unable to come beneath the home when the skirt is maintained. 

Get Your Policy Today

Using these tips can prolong the structure of your mobile home, but as a precaution, it is best to also have mobile home insurance. At Strack Insurance Services, we proudly serve the mobile home residents in or around the Arlington, TX area for their insurance needs. Give our agents a call today to begin drafting a policy fit just for you.

There are tons of different insurance policies out there and knowing a thing or two about them can make a big difference in how you go about choosing the policy that is right for you. For those that live in the Arlington, TX area, the agents with Strack Insurance Services can help you find the policy that works for you.

Insurance is a complicated thing and knowing that different types of insurance are can help you to determine what insurance is right for your needs. General liability insurance is also referred to as business liability insurance. This insurance type covers general claims for the business like a bodily injury to employees or patrons, damage to property and more. This is great insurance coverage to have if you do own a business and you want to be sure your business interests are covered.

Not all businesses need general liability coverage but many can benefit from it. This is a great coverage type to have if you do not have a commercial specific policy and you want to make sure that your business, the people that frequent it, and your employees are all covered and protected. This type of policy helps to pay damages and helps to settle issues out of court so that your business is fully protected and so that if someone is injured on your property you can use your general liability coverage rather than having to pay out of pocket on your own.

For those that live in the Arlington, TX area, the agents with Strack Insurance Services can help you decide if general liability insurance is right for you then choose what policy type is going to work best for your needs and for the business you are protecting, covering and insuring.  

In any living situation, you are going to come up against pests. Though these pests are not predictable, it is important that you take the time to prepare before they ever show up. For those that live in a rental home, it may be more difficult to fight pests. For those that live in the Arlington, TX area, the agents with Strack Insurance Services can help you to find the right rental policy for your particular rental.

Rental insurance covers a great deal. It helps to cover the cost of replacing items that are destroyed in something like a fire, it can help pay to replace items that are stolen, and it can help you pay to find another place to stay if your home is destroyed. Rental insurance, like home insurance, however, does not pay for pest control. Pest control falls under the category of home maintenance which is not covered in home policies.

If you have pests, it is suggested that you take the time to talk with your landlord to handle the pests or to take the time to get your pests under control before they cause a great deal of damage. For the most part, your landlord will work to take care of pests so that they do not damage their property. You cannot claim pest damage on a rental policy either. Pests are something that you cannot avoid in most cases and the best thing you can do is to take control of them before they cause a great deal of damage.

For those that live in the Arlington, TX area, the agents with Strack Insurance Services can help you find a  policy that works for you and that works for your particular rental situation and what your rental property looks like.  

It may seem tempting if you have a home business in Arlington, TX to try to get by without commercial insurance. Unfortunately, this can leave you open to claims that your homeowner’s policy won’t pay, and this could threaten your business.

A Business Owner’s Policy (BOP) is a great way to get the kinds of general coverage you need while saving money. A BOP combines general liability with property protection, and for some businesses, this will be all you need.

General Liability coverage protects you when your business is considered liable for property damage or personal injury that occurs in the normal course of business. For instance, if a customer falls down on your property and gets hurt, the medical bills should be covered under your general liability policy.

Another important kind of coverage is professional liability insurance. If make an error that causes a load or damages to someone else, that person can sue you to recover. For instance, if you are an accountant, someone could sue you for errors made while preparing paperwork that resulted in a load of money.

At Strack Insurance Services, we offer several kinds of insurance that may be helpful to a home business. If you use your vehicle for work purposes, you may need commercial auto insurance. You may need other kinds of insurance specific to your kind of business.

If you have a small business in Arlington, TX, you understand how important it is to protect your investment. Just one lawsuit could permanently damage the financial stability of your company. If you want to make sure you have covered all the important areas of your business, please call Strack Insurance Services today so we can evaluate your situation and discuss your options, with no obligation to you.

Life insurance is an important part of financial planning for families with young children, but the benefits do not stop there. A comprehensive life insurance policy can help protect your family’s financial well-being through all life stages. If you are in the greater Arlington, TX area and want to ensure that your family has the protection they need, contact the team at Strack Insurance Services and find out how the right policy can help your family now and for years to come.

How Life Insurance Can Grow With You and Your Family

Life insurance is typically considered an important part of protection for growing families because of the death benefit that it provides to surviving family members. In addition to this benefit, whole life or universal policy can help meet major financial obligations throughout all life stages. If you have children that will need help with their college tuition, or you want to be able to retire without financial worry, there are life insurance policies that can help you meet these goals. Meeting with a local agent is the first step in understanding how you can provide a strong financial foundation for your family. There are many benefits to life insurance in addition to the death benefit, and having a comprehensive policy can help to protect your family for many years to come. 

Are you receiving the most benefit from your current life insurance policy? Call or stop by the Strack Insurance Services office today and learn more about how life insurance can play an important role in your overall financial health. Our team of professional agents is proud to serve the greater Arlington, TX area, and we look forward to working with you!