September, 2018 | Strack Insurance | Arlington, TX Insurace

When it comes to home insurance, the most important thing that insurance providers look for is that your home in Arlington, TX is as safe, disaster-proof and theft proof as possible. Doing certain modifications to your home, such as improving safety features may help to lower your premiums, but on the other hand, certain modifications or additions may also increase your premiums. Here are a few things that can affect your homeowner’s insurance rates.

Home Remodeling

Since moving into your home, if you have made any improvements, such as a kitchen or bathroom remodel, it has probably added to the value of your home. It is important to notify your insurance provider of any home remodeling or improvements you make to the home, both the interior and exterior. It is important to make sure your current policy includes these improvements. Rebuilding is expensive and without the additions added to your policy, your coverage will be limited to the previous state of your home.

Trampoline and/or Pool

Trampolines and pools are known as attractive nuisances. While it may be nice to have a pool to relax in or a trampoline for the kids to have fun on, these items may also increase your insurance premiums. Even if used without your permission, you may be liable if someone is injured while using them. If you do have a trampoline and/or a pool, it is important to keep them secure with a fence, install self-locking gates and have safety equipment readily accessible.

Home Security

Home security systems are designed to provide protection for you, your family, your personal belongings and your home. Increasing your home’s security can also reduce the cost of your insurance premiums. For example, replace old locks with deadbolts and/or a monitored security system. Report all upgrades in security to your insurance provider to find out if you qualify for additional deductions.

It is extremely important to review your home insurance coverage on a regular basis so you can be sure the coverage is consistent with the costs of repairing or rebuilding. Reporting all changes will help your insurance provider to make adjustments to your policy and premiums.

Homeowners in Arlington, TX interested in reviewing or upgrading their home insurance policies should contact Strack Insurance Services.

When you’re driving around Arlington, TX and you experience some kind of windshield damage, it is important to know whether you are covered. Much of this will depend on how the windshield became damaged as well as what coverage you have within your insurance policy.

Damage from Road Debris

If you’re driving down the road and a rock or other debris hits your windshield, it may result in a cracked windshield or a large nick. If you have comprehensive auto insurance, you will be covered against this type of damage. Comprehensive coverage includes everything that is non-driver related. This would not be something that you could avoid, so it isn’t part of your liability coverage. Comprehensive coverage would also include hit and runs, as well as any damage if your car is parked somewhere. Strack Insurance Services can help to explain what is and isn’t required by the state.

Damage from a Crash

If you get involved in a crash in or around Arlington, TX, your liability coverage would likely cover the windshield damage. You are required to have property damage liability on your policy. The state of Texas requires everyone to have liability auto insurance to cover expenses for the other driver, which means that if someone else caused the accident, their insurance would cover the damage. If it was your fault, you might need to have PIP (personal injury protection) on your policy.

Ultimately, when you file a claim, insurance companies are going to look at the kind of coverage that you have before they determine whether they will pay for the windshield damage or not.

At Strack Insurance Services, agents can help you to identify the necessary auto insurance to cover you for various forms of windshield damage. Plus, it’s possible to have a comprehensive auto insurance policy so that you have coverage against anything that could potentially happen on or off the road.

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Monthly Archives: September 2018

3 Things That Can Affect Your Homeowner’s Insurance Rates

Does My Auto Insurance Cover Windshield Damage?

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