Arlington, TX may not be known for their blizzards, hurricanes or tornados, but that doesn’t mean that your home is safe from the elements. Strack Insurance Services can help you remember why good home insurance isn’t a luxury for the rich and famous, but rather a necessity that ensures your well-being and family’s safety.
A Light at the End of the Tunnel
People can get true tunnel vision in the aftermath of an event, but insurance can be the way out of the darkness. Insurance means you can fix a buckling roof after a tree branch has fallen on top of it after a storm, it means safeguarding you against bankruptcy or financial ruin. If someone decides to sue you for negligence and guest endangerment, it can be the only way you have to cover your financial obligations. Home insurance can be the only thing putting the pieces back together, and that’s a priceless feeling when you feel out of control. Most people just don’t have the savings they need to bounce back from theft, storm or liability lawsuit.
Strack Insurance Services
Our team isn’t here to give you the worst scenarios to scare you into buying a policy you don’t need. Instead, we’re here to bring up certain points to the people of Arlington, TX they may not have considered, so everyone is on the same page. It’s one thing to openly deny coverage, but it’s another thing not to be aware of what you’re getting with your policy. If you’re looking for a quote or just for more information, we’d be happy to speak with you about your options. Give us a call today to find out how our coverage is designed to fit you.
Fall is a great time to enjoy your home and all of the festivities in the area with your family and friends. Even with all the excitement that the season brings, it is important to take care of your home to make sure it stays in great shape and to ensure you are more prepared for winter. Use these tips from Strack Insurance Services serving Arlington, TX.
- Clean out your gutters. No one likes to do this chore but if you want your gutters to function the way they were intended to, then you need to clean them out after all of the leaves have fallen in your area. While you are up there, you may even want to take a look at the roof to make sure it looks to be in great condition.
- Winterize your pipes. If fall is here then winter is not far behind it. It is a good idea to winterize your outdoor pipes during fall because you want to have it done before the first big freeze of the season. If you have an irrigation system, these need to be done as well as any other pipes that are exposed to the outdoors.
- Make sure you have a great insurance policy. Home insurance is probably one of the best things you could have for your home as protection. It is always a good idea to have a home insurance policy in place no matter the season. Take a look at yours to see if there are any gaps.
If you need to take a look at your current home insurance policy our would like a quote for a new policy, be sure to contact Strack Insurance Services serving Arlington, TX. They will be happy to help you with any of these needs.
When it comes to home owners insurance in and around Arlington, TX, we want to make sure you have the right coverage for your individual needs. Now, while there are different kinds of stand alone coverage options for you to consider, there are home insurance add-ons that may help provide you with a bit of supplemental insurance. Whatever your needs are, we at Stack Insurance want to do our part and make sure you have all the necessary coverage right for your personal needs.
This is a tenants form of home owner’s insurance. Basically, if you are thinking about renting out your home, or even part of your home, you need to have very specific add-on insurance. Your own home owner’s insurance may not protect your property in the vent of a fire or other issue if it is caused by the tenant. While it is best to sit down and talk with us so we can figure out all the specific details, you may need HO-4 tenants insurance for your property.
HO-6 and HO-7
Maybe you’ve been considering a condo instead of a traditional home. Well, you don’t want to just go with a home based offering as condos require different forms of insurance as these facilities run into different problems. So, if you own a condo instead, you need to look at the HO-6 option.
On the other hand, HO-7 is a mobile home form of home owner’s insurance. As your home is built with a mobile manufacturing material, it is slightly different and can run into different issues as well. On the flip side, these properties are usually less than what you might pay for a traditional home.
Do you have an older home? Older homes run into different issues based on the materials, the age of construction hardware and a few other issues other, newer homes are just not going to experience.
Spring is in the air, and that means spring cleaning for many people. And like a lot of folks, you probably have a cabinet in your house that is full of cleaning supplies. From window cleaners, to polishes, to bleach, you have probably picked up several products over the years. If you are looking at some of this stuff and wondering what to do with it, there are several surprising ways to use those everyday cleaning products for more than just scrubbing the bathtub or the countertops.
Bleach does a whole lot more than keep your clothes white in the washing machine. It is a powerful chemical that is designed to kill germs. It also has the ability to get mildew off of a lot of different surfaces and materials. For instance, if you have a shower curtain that has a bit of mildew on the bottom of it, soak it in a bleach solution to kill the bacteria causing the problem.
Bleach also has the amazing ability to sterilize things. If you have been buying things at yard sales or at thrift stores, you don’t know who has touched it and what kind of germs they might be spreading. Take a little bit of bleach and water and scrub off the surface with it. Just make sure to test the solution on a small part of the object to make sure it won’t stain it.
Finally, while vinegar isn’t necessarily in your house for cleaning, it can be used for some surprisingly successful results. A little bit of white vinegar and water can do just as good of a job of getting your windows clean as ammonia, while being much safer and eco-friendly.
And once you get done getting the house spic and span, consider taking a look at your homeowners insurance policy. Contact Strack Insurance Services and talk to one of their experienced agents today to help you go over your coverage.
Living in Arlington, TX can be beautiful, but there is also the chance of man-made or natural disasters. Being as prepared as possible is important, and one of the ways you can be ready for just about anything is to have every room in your home emergency-ready. Battery operated emergency lighting options like flashlights and lanterns should be in each and every room in your home, along with extra batteries for those items. That’s not the only way to protect your home, though.
You also want to consider fire extinguishers in the kitchen, nearby if you have a fireplace or other open heat source, and on each floor of your home, so you have the opportunity to quickly put out any fire that may get started. Another very important way to make every room of your home emergency ready is to have smoke detectors and carbon monoxide detectors on every floor of your home and near every bedroom. If you do that, you’ll be alerted to any problems right away, so you can take quick action to protect lives and property.
Of course, another big thing you can do when you need to make your home emergency-ready is to talk with your insurance agent and make sure you’re coverage is up to date. If you don’t have the kind of coverage you really need, you may not receive adequate financial compensation if you need to make a claim. When you get home insurance through Strack Insurance Services, you will get the personalized service you need to work with your agent and feel good about your insurance policy. That gives you peace of mind, and helps you protect your home from a number of the problems that could occur over the years you own your house.
Although Arlington, Texas winter weather is typically mild, severe storms can easily cripple a homeowner if the proper preparation isn’t done beforehand. In years past, blizzards, freezing rain, and high winds have taken its toll on different parts of Arlington and surrounding areas. If you are a new homeowner, you may not be aware of the maintenance required to keep your family and property safe as temperatures drop.
Prepare for the Worst
At the very least, you should have an emergency supply kit stocked and ready for use in the case of a severe winter storm. Include the basics such as flashlights, emergency food and water supplies, a battery-powered radio, and a first-aid kit. Also think about what items you need to have to keep you and your family comfortable in case of severe Arlington weather. Emergency heat sources, like wood stoves and kerosene heaters can provide warmth if your heat goes out. A generator can also be purchased as a backup power supply. Mid-sized to large generators will supply power to many basic household appliances while generators above 10,000 watts will power a small home.
Winter Weather Maintenance
Seal any leaks around pipes and install extra insulation as well. Shut off any outdoor water faucets to prevent freezing. If you plan to go away during the winter season, drain the pipes and turn off your main waterline. You should also never set your thermostat below 55 degrees. Repair any outdoor banisters, sidewalks, and stairways before the winter in order to prevent hazards that could occur if ice or snow builds up.
Although preparation helps, there are no guarantees that winter weather will not strike and do damage to your home. To stay protected, you need a homeowner’s policy that will cover any exterior and interior damage sustained during severe weather. You can easily discuss your needs and concerns with independent agents from Strack Insurance Services. Strack Insurance Services will help you compare homeowner’s insurance quotes online in minutes between different carriers. An agent can review with you the types of winter weather perils covered under each type of homeowner’s insurance policy.
When you purchase a homeowner’s insurance policy in Texas, you want to make sure that you choose coverage properly. This means looking at whether or not you have enough coverage and that the limits are high enough.
Home liability coverage is particularly important in the event that someone gets injured at your home. You never know if someone is going to fall down the stairs, slip on ice, or have some other kind of accident. As long as it is deemed an accident, liability coverage will generally take care of the expenses – up to the limit that is in place.
You are the homeowner and you are going to be held financially responsible. You don’t want to be the one paying for medical bills, lost wages, pain and suffering, and even legal costs. Even if you know the person, there is always the possibility of them suing you – and this can be an expense all of its own.
If you have home liability coverage and the limits are high, you may only have to pay deductibles. This is going to save you a significant amount of money.
Think about what you could otherwise have to pay. If someone hurts themselves, you could pay all of their medical bills. If they hire a lawyer and are rewarded pain and suffering, the settlement could be tens of thousands of dollars. Add lost wages to this and it is enough to send you into bankruptcy.
With coverage for home liability, you can avoid these expenses by filing a claim.
You don’t have to spend a lot of money on auto insurance. You simply need to have the best coverage. Contact us today and let one of our agents at Strack Insurance Services help you find the necessary coverage against hit-and-runs and more.
Pumpkin spice lattes are all the rage and the Dallas Cowboys are on television—this can only mean that fall is here. While winters in Texas are usually pretty mild, there are a few home maintenance tasks that need doing this time of year to prepare for the upcoming season. Here are a few to consider.
Indoor Maintenance Tasks
Making sure the inside of your home is ready for the winter starts by doing a fall furnace check. Change out any air filters, as necessary. Ensure all connections to your unit are secure. We even advise having a professional come out and do a complete tune up on your system. This will extend the life of the furnace and help ensure it is working to its full potential.
If you have a fireplace, it is also advised that you check it for any cracks or damage before lighting your first seasonal fire. Clean any debris or soot buildup from inside the flue—either by yourself or by having a professional chimney sweep come out.
Outdoor Maintenance Tasks
Here in Texas, we don’t have nearly as many outdoor fall maintenance tasks to consider. However, there are still a few things that need doing. Check your guttering system for any leaves or debris that need clearing. This will keep the flow going and help prevent damage during any storms we see during the winter.
You will also want to prepare your landscaping and outdoor furniture for the change in season. Remove any annual plants that are on the end of their cycles. Trim any excess tree branches away fro m your home. Keep a stockpile of blankets or tarps on hand for covering up foliage during sudden cold snaps. Put away patio furniture, garden hoses, and other outdoor accessories for the season.
It is also important to make sure you have proper home insurance coverage. Contact us at Strack Insurance Services today.
When you have a garage sale, it’s easy to see the perks. Depending on how much you sell, it can be a lucrative way of making money, not to mention the space you can clear out. There are some tips to follow to help make it that much better, too, such as pricing to sell and knowing where to market your garage sale in Arlington.
Create More Space
It’s your chance to go room by room and clear out what you don’t want and what you don’t use. If it has been over a year since you used something, go ahead and get rid of it. The space you clear out can give you more room to enjoy what you have. It may even be easier to organize your home.
Market to Get Larger Audience
Another perk of a garage sale is that you can have more people showing up to buy the merchandise based upon where you market. Many people will rely on online postings, such as Craigslist, to find out about garage sales. You should also utilize your local paper as well as signage around your neighborhood. The more people you bring in, the easier it will be to sell everything.
Bring in Money
As you get rid of the things you no longer want or need, you’re going to be making money. Price to sell so you don’t bring anything back in the house. The money you ultimately earn can be used to boost your savings or to buy new items for your home that you will actually use.
Call us at Strack Insurance Services today to learn more about coverage options for homeowner’s insurance in Arlington. We can answer questions you have about the right policy for your home and get premium quotes on your behalf.
Barbecuing is always fun, and there are plenty of great days for it in Texas. Whenever you’re cooking on the grill it’s important to keep safety in mind. Here are a few reminders on how to grill safely, along with a friendly reminder to make sure you’re properly insured. Hopefully you’ll be able to avoid a grilling accident, but it’s always a good idea to be insured in case you do have a mishap.
Basic Grilling Safety
Grilling safety is basic, but it’s easy to forget, especially when you’re in the middle of hosting a party. Every time you grill, remember to:
- always stay near the grill
- open the grill before you light it
- keep water on hand for any stray embers
Simple steps like these will ensure that you’re barbecue remains safe, so you and all of your guests can have fun.
Even if you pay close attention to safety, you might have an accident. That’s why it’s also important to make sure your home is insured. Not only should you have homeowners insurance, but it shouldn’t have any clauses that exclude grills. To check your policy, read its terms and conditions carefully.
If you’d like help reviewing your insurance policy, or if you need a new policy because yours excludes grilling, call our independent insurance agents. At Strack Insurance Services, we’ve helped many homeowners in Arlington, TX. Homeowners insurance agents at our office are always glad to review insurance policies and pull up quotes from multiple insurers. They’ll make sure you find a policy that includes grilling and is among the most affordable ones available.