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!

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.