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.
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.
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.
Owning a business in the Arlington, TX area is a dream for many people. While there is a lot of opportunity for success, small business owners also do take on different risks that need to be properly considered. One way that a business can mitigate these risks is by getting proper insurance. An important part of any business insurance plan is general liability. There are several reasons that your business will need this coverage.
Insurance Can Keep Company Solvent
A primary reason that you should get this coverage for your business is that it could keep you solvent. Business owners should be aware that they are always at risk for a liability claim. Even if you are very careful and have great protocols in place, there is consistently a chance that you could be found at fault for an accident. When you get proper insurance for your company, the general liability component will give the protection you need to offset this risk.
Insurance is a Requirement
You may also need to have insurance as it could be a requirement for your business. A business may need to take out a loan at some point to get off the ground. If this is the case for your company, you will have to comply with your lender’s requirement, which often includes having general liability coverage.
A business clearly needs to have general liability insurance when they want to be successful in the Arlington, TX area. When you are looking for general liability insurance here, it would be wise for you to reach out to the team at Strack Insurance Services. Choosing a new insurance plan that covers your business needs is complicated. Fortunately, if you decide to call Strack Insurance Services you can get the guidance that is needed to protect your organization.
When you are in the Arlington, TX area you are going to have a lot of professional opportunities. One opportunity that you will have will be to own your own small business. When you are looking to own a business here, the strong local population and annual visitors can help you to succeed. When you do start a business here, it is also important that you insure it the right way. There are several reasons why you should get a commercial insurance policy.
Insurance Protects Business Assets
One reason that you should get a commercial insurance policy for your Texas business is that it will cover all of your business assets. Business owners here will want to invest in new assets that could be used to help grow and develop their company. Due to the importance of these assets, you will want to protect them against loss. The best way to do this is by getting a commercial insurance policy that provides protection for your business asset.
A business owner in Texas should never take their company liability risk lightly. Those that choose to sell a product or service to a customer will be taking on liability risk routinely. The best way that you can mitigate this risk is by getting a full commercial insurance policy. When you have this coverage, it will give you the protection needed in the event you are found liable for an accident.
Those that own a business in the Arlington, TX area would benefit greatly by getting a commercial insurance policy. As you are looking for a new policy, you should call Strack Insurance Services. The insurance team at Strack Insurance Services will help you choose a new commercial insurance policy that protects your company to offset risks as much as possible.
Anyone that lives in the Arlington, TX area is going to have a lot of different insurance obligations. When you are looking to improve your personal insurance coverage, one important form of protection to get is life insurance. There are several reasons why someone should get life insurance.
Provide Financial Security and Protection
One of the reasons that you should get life insurance is that it will provide your dependants with financial security and protection. If you have people in your life that depend on your income, you will want to ensure they are cared for if you were to pass away. When you get life insurance, you can build a policy that will provide them with the necessary financial resources. This can give great protection while also providing you with valuable peace of mind.
Life Insurance Offers Investment Benefits
While the key benefit that comes with life insurance is being able to offer your dependants financial protection, you can also use a policy to prepare for your own financial future. One common form of life insurance that you should consider getting is whole life insurance. When you have this type of coverage, some of your monthly payments will accrue in an account that will further grow with interest. Eventually, you can liquidate this account or use it as collateral for another loan. This could make the whole life a good addition to any investment plan.
There are plenty of benefits that come when you get life insurance in the Arlington, TX area. As you are looking for your next policy, you should call Strack Insurance Services. The team at Strack Insurance Services can give you the guidance that is needed to pick your next policy. This can help to ensure that you are properly covered and prepared for the unexpected.
In the Arlington, TX area, there continue to be a lot of benefits provided to property owners. Those that own a home here could benefit from price appreciation, tax benefits, and also have a place to live in a great community. While you can benefit from owning a home here, you still need to make sure that you are getting the right insurance coverage. One form of coverage you may need to get is flood insurance. There are several reasons why you may need this coverage.
Insurance Protects Property
One important reason to get flood insurance for your Texas property is that it can protect your property. If you live in an area that is prone to flood damage, the costs that could occur can be significant. If you have a flood insurance policy, you will have the coverage you need to repair or replace your home.
Insurance is a Requirement for Some
Another reason that you should get flood coverage is that it could be required to comply with your mortgage. Any mortgage lender will want their borrowers to get flood insurance if the property is at risk. If you are in a flood zone, the lender may even require you to escrow payments. This will ensure you do not have a lapse in coverage.
In the Arlington, TX area, it continues to be very important to get proper insurance coverage for your home. If you believe that getting flood insurance is a good idea, you should call the team at Strack Insurance Services. The team at Strack Insurance Services can give you insight into what your insurance needs and options are. You can then pick a flood insurance policy that will ensure compliance and give the protection you need.
When you purchase auto insurance in Texas, you must carry liability insurance, this is mandated by law. You don’t need to carry collision and comprehensive but may be required to do so by your lender or lessor. These are all important types of coverage that protect others from you and protect your car in the event of an accident or a peril beyond your control. Strack Insurance Services in Arlington, TX is a family-owned and operated independent insurance agency. Our team has years of experience providing the finest in customer service to our clients.
Whether it is a flat tire, your lock yourself out of your vehicle or have a battery that won’t turn over, nothing is more annoying than being stuck with a vehicle that is not operating correctly. You can opt to have AAA which will provide roadside assistance services but it is available for a much more affordable rate from your auto insurance company.
Uninsured motorist coverage
You make sure that you have the coverage you need to protect other people from an accident that you cause but what about if you are not the responsible party? If the person who damaged your car has inadequate insurance, you can be left with damages that aren’t paid for. This insurance protects your vehicle from underinsured or uninsured drivers.
If your vehicle is totaled, you may be left with a loan that is larger than the payout you get from the insurance company. This coverage will fill the gap between what you get and what you owe.
Rental car coverage
When your vehicle is out of service due to a covered peril this coverage will make sure that you have a rental vehicle to get you where you need to go.
If you think these add-ons are worth adding, at Strack Insurance Services in Arlington, TX we are here to help you enhance your policy. Give us a call or stop by our office for a free quote.
Recreational Vehicle (RV) insurance works much like a standard auto insurance policy in Arlington, TX. You must obtain such a policy to operate your motorhome on the highways or in the city. The agents at Strack Insurance Services can help you understand how RV insurance works so you can get the most out of your policy. Read on to get a basic grasp of how your RV insurance plan benefits your finances.
What does RV insurance cover?
A standard RV insurance plan pays if you are involved in an at-fault accident. As with auto insurance, an RV indemnity plan pays the victim for bodily injury as well as vehicle damage up to your policy’s limits.
An RV insurance plan that offers comprehensive and collision coverage also pays for property damage. Some policies even pay for instances where an uninsured or underinsured motorist is at fault.
Of course, RV insurance goes beyond the standard coverage you would find with auto insurance. Appliances as well as protection at campsites or RV resorts may also be included in an indemnity plan. Towing and roadside assistance is another premium feature associated with RV indemnity coverage.
How does RV insurance work?
The ideal RV indemnity plan reduces out-of-pocket expenses associated with a covered event. You may also obtain a policy that provides special compensation if you reside in your RV full-time. In such an instance, you would need protection similar to that of home insurance where your possessions are fully protected.
An agent at Strack Insurance Services can help you fully understand how RV insurance works in Arlington, TX. Call them today to discuss your policy in detail and to see if you can qualify for lower rates.
Based in Arlington, TX, Strack Insurance Services assists the community by offering residents different types of insurance coverage. We strive to help our clients locate the policies they need in order to reach their personal goals.
ATV Insurance Variables
All-Terrain vehicles or ATVs are a popular alternative to traditional methods of transportation. However, there are some risks involved in operating these vehicles. If you have an ATV, it’s important that you are protected while you are traveling around. ATV insurance covers you in the event of an emergency.
Consider the type of ATV that you have. Your policy may differ depending on whether you have a four-wheel or six-wheel vehicle. Think about how often you operate your vehicle. If you are operating your ATV throughout Arlington TX on a regular basis, consider the benefits of comprehensive coverage. Comprehensive coverage protects you in the event that your ATV is vandalized or stolen.
If you plan to operate your ATV with a passenger riding along, liability coverage is an asset. Liability coverage protects you in the event that you are involved in an accident and you may be held liable. The coverage also protects you in the event that your passenger is injured as a result of the accident.
The use of your ATV may also impact your policy. If you participate in racing events, your policy may differ compared to if you primarily use your vehicle for recreational purposes. You can amend your policy to include uninsured motorist coverage so that you will be protected in the event that you are involved in an accident with someone who does not have insurance.
Strack Insurance Services Will Help Simplify The Process
We understand that searching for insurance coverage can be stressful. That’s why we will guide you through the process. For more information, visit our website today!