Mobile home insurance is not like standard home insurance. Of course, a traditional home indemnity plan pays for expenses related to personal injuries and property damage in Arlington, TX. A good mobile home insurance policy also pays for other damages unique to manufactured homes. Strack Insurance Services can help you understand mobile home insurance so you find the plan that best suits your lifestyle. Here are three questions to consider when searching for the right mobile home insurance plan. 

Where will you live?

There is no law that requires mobile homeowners to obtain insurance for their houses. The mobile home park in which you choose to reside, however, may require proof of indemnity coverage that pays for incidents in your home as well as around the residence. You should consider the agreement with the landowner when determining how much insurance to purchase for your mobile home. 

What about natural disasters?

A standard mobile home insurance plan does not typically cover natural disasters in Arlington TX. You need a policy that pays for flooding as well as fire damage. 

When determining how much flood insurance to buy, you should consider your region. Areas more prone to hurricanes and tornadoes have a higher probability of causing flood damage. You should consider purchasing more protection if you live in a zone that has experienced heavy storms such as hurricanes within the past two years. 

What about theft and vandalism?

Mobile homes have a higher probability of theft and vandalism than standard homes. You should, therefore, consider purchasing an indemnity plan that fully covers your personal possessions. 

Your mobile home in Arlington, TX is valuable in more ways than one. The agents at Strack Insurance Services can ensure you have an indemnity policy that protects all your assets from various incidents. Call them today to get started with a quote for mobile home insurance.

Every year it is the same thing, the stress that comes with having to choose the right health insurance. Much depends on making the correct choice. How you are able to access healthcare for an entire year is dependent on the choice you make. It can all seem like too much. That is where your local independent insurance agents come in. At Strack Insurance Services in Arlington, TX, we have 28 years of experience and we work for our customers to make sure they get the insurance they need. 

Before you choose your health insurance there are some questions you should ask. 

What type of plan is it?

PPOs and HMOs operate a little differently. With an HMO you can only go to a provider who is in the network of the carrier. With a PPO you can go to a doctor outside of the network but you will likely pay more for that privilege. Do I need to get a referral to visit a specialist? 

Is my doctor on the plan?

If you have a doctor or more than one doctor who you trust continuing with them is essential. 

How much is the plan going to cost?

The monthly premium is important but what other costs are there for service? How high is the deductible, the amount you need to pay before services are covered? How much is the co-pay when you visit your doctor or a specialist? What does it cost for an urgent care visit? 

What additional services are included?

Does the plan cover things like dental, vision, and hearing? What about a prescription? If it does have prescription coverage are my prescriptions on the plan and what will they cost every month? 

If you live in Arlington, TX, or the area, Strack Insurance Services has agents who understand health insurance. Contact us to get the help you need choosing your plan.