Flood insurance can seem like just another unnecessary addition to your monthly expenses, especially when you already have auto and home coverage to cater for. Like other policies, flood insurance is one of the essential coverage options that every Arlington, TX homeowner needs. Below, Strack Insurance Services takes you through the reasons why you should consider getting flood insurance.

Your Homeowners Insurance Does Not Guarantee Flood Coverage

Numerous homeowners are of the opinion that their home policies cater to flood damages, only finding it when it is too late that their coverage does not extend to such incidences. To avoid incurring extra expenses when you experience flooding, make it a point to get flood insurance. It will protect you against building damage while also ensuring that your belongings are covered.

Rain Is Not the Only Cause of Flooding

While living in rainy areas increases your risk of flooding, wet weather is not the only cause of floods. Numerous weather scenarios have been found to cause flooding in homes, including hurricanes, winter storms, and winter melts. In addition to this, faulty drainage systems can also cause flooding on properties along with faulty protective systems such as levees. Protecting yourself against any of this will require flood insurance, acting as a comprehensive long-term solution.

Water Damage Is Destructive

Flooding does not have to be significant to cause property damage. An inch of water is enough to wreak havoc on home belongings and items such as vehicles. Recovering from this means incurring extra costs for property repairs, in addition to the added expenses for replacing home contents. Flood insurance can, however, protect you from such incidences, providing you with compensation when faced with flood emergencies.

To protect your assets from flooding damage, get in touch with Strack Insurance Services today. We provide coverage within the Arlington, TX area to give you peace of mind during your everyday endeavors. 

If you live in Arlington, TX, you already know that ATVs are very popular in ranches and public parks. There is no doubt that these vehicles can be dangerous to you and those around the park. Strack Insurance Services knows that it is crucial to offer such automobile insurance services to protect the owner against possible liabilities, especially after an accident.

Here are some possible areas that ATV insurance policies will cover for you.

Liability Coverage     

All-Terrain Vehicles may cause fatal accidents where you will be required to cover the medical expenses of the people involved in the accident and the repairs to the properties damaged. With an ATV insurance policy, you don’t have to worry about such liability expenses as the insurance policy will quickly cover them.

Collision Coverage

Collisions are inevitable to any automobile, and you should prepare for unforeseen circumstances where your ATV hits another vehicle, fence, or any object. Having ATV insurance will become necessary because the insurance company will handle all the repair expenses involved. Sometimes you might get injured, which will also be catered for by the insurance company.

Comprehensive Coverage

A comprehensive coverage policy is the best in the industry because it helps protect your ATV against anything possible. Other than collision, your ATV can be damaged by other unseen factors such as hailstorms, fires, and hurricanes. These are some of the devastating aspects that can face your ATV. However, comprehensive coverage will help in repair or replacement expenses in situations where such problems occur.

Do You Need ATV Insurance?

In Arlington, TX, it is required that every ATV owner gets insurance to protect against possible accidents and liability expenses. At Strack Insurance Services, we provide the best ATV insurance services to our customers. Contact us today for more details.

There are plenty of things insurance can protect, and your RV is one of them. Whether you live in it, use it to travel frequently, or only take it out for some adventures during the summer months, you want to make sure it’s properly protected. If you’re in the Arlington, TX area, Strack Insurance Services can help you get the coverage you’re looking for. Even if your recreational vehicle is parked most of the time, RV insurance can cover you on a year-round basis so you have what you need anytime you want to travel. You also won’t have to worry about damage or other concerns when your RV is parked at your house or stored off-site, either.

Just like any vehicle you would drive on the roadways, an RV has to be covered to protect you and other motorists. But you’ll also need to make sure you’re properly covered when your RV is being stored or if you’re living in it full time. It’s not the same as having a homeowner’s policy, even if it’s your actual home. Our dedicated agents can help you find the kind of coverage you need, so you’ll have a policy you feel good about and comfortable with. Peace of mind is important in life, and the right insurance policy helps offer that.

Reach out to us today at Strack Insurance Services. We want to help all our Arlington, TX area customers get the RV insurance they need for their travels and protection. You don’t have to use your RV all year round to need it covered throughout the year. When you have the right coverage level you’ll enjoy your RV more and be able to spend time focused on all the great sites you’ll see instead of concerned about whether you have the proper policy for your adventures.

If you live in Arlington, TX and you are wondering about boat homes insurance in your location, you may want to consider what Strack Insurance Services has to offer.

You might wonder if home insurance is going to protect your boat in the state of Texas. The truth is that there are many homeowners insurance policies that will cover your boat, under the purview of personal possessions coverage. For example, if your boat is damaged, you might be able to get coverage for the damages this way. However, it is possible that the coverage will be very limited as well. Most of the time, homeowner’s policies are only going to provide boat coverage if an accident occurs while the boat is actually out of the water and located on your property. Additionally, you should keep in mind that most homeowner’s policies are going to place limits on how this stored property is going to receive protection. It will often depend on exactly where you have the boat stored. Restrictions could also exist in terms of the type of boat.

Liability protection for boats is also likely going to be limited. If you end up causing property damage or harm to another while you are on the boat, the protection could help in terms of compensating the other party. However, as is the case with other types of coverage, the protection available for your boat is likely going to be limited.

If you are interested in learning more about boat homes insurance in Arlington, TX, you should contact the professionals at Strack Insurance Services. These individuals will be able to answer questions that you have about this type of insurance, and they might be able to point you in the right direction in terms of what policy you should choose for yourself.

Having a motorcycle can be a lot of fun, especially when the weather’s nice and you can get out for a ride in the countryside. But if you haven’t updated your motorcycle insurance policy in a while, it might be time to take a closer look at it. If you need to make some changes, it’s good to do that before springtime when the weather improves and makes riding even more enjoyable. If you’re in the Arlington, TX area, Strack Insurance Services can help with your motorcycle policy so you can have the protection you need and want for the road ahead.

No matter what types of adventures you’re having on your motorcycle, the right kind of coverage is important. Texas requires all motorcycles to have insurance coverage, so you definitely don’t want to go without it. But even if you’re covered, you might not have as much protection as you really want. Working with an agent to take a look at your motorcycle policy every year is a good idea, and you’ll want to do that even more often if your circumstances change. Updates generally don’t take long, but they can be a very important part of riding responsibly.

If you’re in the Arlington, TX area and interested in motorcycle insurance, reach out to us today at Strack Insurance Services. We can work with you to make sure you’re getting the right coverage type and the proper level of protection for your bike. Then you can just enjoy riding, knowing that you’re protected in a way that works for you. Whether you commute to and from work, take long trips, ride with a passenger, or prefer solo adventures, coverage for your motorcycle is a vital part of making sure you’re taking good care of yourself and your future.

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. 

When you are renting a housing unit, there are insurance policies that you need as well as those that you don’t. You don’t have to have a home policy, as the dwelling itself is not up to you to maintain. The owner of the property has to have this kind of coverage. As a renter, you simply need renters’ insurance. If you need this coverage, call us at Strack Insurance Services in Arlington, TX to make an appointment to talk to an agent about your insurance needs.

Your Possessions

The main coverage type included in a renters’ insurance policy is coverage for all of your stuff. If it is in your rental unit, it needs to be covered. Be sure to assess everything that you own so that you know the value of it all. This will help when choosing a rental insurance amount of coverage. Be sure to document your belongings as well, taking a quick video of it all or pictures of each room and closet. This will help to prove that these belongings were in the unit if a disaster were to happen.

A Habitable Home

Another part of renters’ insurance is coverage in case an incident makes your rental unit uninhabitable. The insurance policy will then pay for you to live somewhere habitable while your rental is being fixed and/or rebuilt. This helps to preserve your standard of living if the worst should happen. 

Liability Coverage

When someone who doesn’t live in your home has an accident there or gets sick while visiting, you may be held liable for the incident. That’s why renters’ insurance policies contain some liability coverage for just that occasion. This can save you from having to pay for someone’s medical bills out of pocket. 

Get Your Renters’ Policy

If you rent your home and need coverage for it, call us at Strack Insurance Services in Arlington, TX to talk to an agent about getting a renters’ policy of your own.