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.
As the weather warms in Hurst, Texas, it is a reminder of the likely return of spring and summer storms in the area. Heavy winds, downpours and even lightning can test the integrity of your roof. Falling trees and limbs can cause serious damage. Spring and summer can be a season of fire and rain. We are known for our severe weather in this part of the country and although there is not much we can do to stop it, we can be prepared for it.
That means having an emergency plan of where to go. It means having access to a battery powered weather radio. It can mean having a stockpile of water and canned goods. You will probably want to have some emergency cash available should ATM’s be unavailable for an extended period. You also want to make sure you are properly covered under your homeowners insurance.
Proper coverage doesn’t mean just having insurance, it means having sufficient coverage. It means having enough coverage to cover the full cost should a storm do devastating damage. If you are unsure, we can help. Strack Insurance Services is an independent home insurance agency. We can review the policies of any company. What’s more, we have the ability to search multiple insurance providers to find you appropriate coverage at an affordable price. Our independent agents can save you money without making sacrifices to your coverage. In fact, many of our clients find we have improved their coverage while reducing their premiums.
You can get a comparative quote online with a visit to our website. When you answer a few questions we will get starting getting you quotes on either your homeowners or auto insurance coverage. Be prepared for the severe weather that is sure to be in our future. Contact Strack Insurance Services today.
Grand Prairie, Texas is a community of 160,000 people that offers opportunities for family fun and relaxation. We have friendly neighbors here and it is a pretty smart place in which to live and do business. We have our share of chain businesses and independently owned businesses. If you own a home in the Grand Prairie area, you certainly have a choice when it comes to your personal insurance, including your homeowners insurance. Here are four reasons why an independent agency is a better choice.
- Independent agents can get quotes from multiple insurance providers. We are not tied to just representing the products of one company. This often results in savings for our clients.
- Independent agents live and work in the area. That means you are supporting a local business that in turn, supports local schools, pays local taxes and helps the local economy.
- Because we are local, we are an agency that is here to conduct insurance policy reviews, answer your questions, and even assist in filing a claim. Our independent agents are just a call, click or visit away!
- Independent agents work for you, not an insurance company. We know that if we focus on getting you the best coverage and rates, you’ll not only be back, you may even tell your friends and neighbors.
Finding out how much you can save is as easy as visiting our website and getting an online comparative quote. By answering a few questions, we will go to work finding you affordable homeowners or auto insurance. At Strack Insurance Services, we are an independent home insurance agency that prides ourselves on finding coverage that trims premiums, without cutting corners. Contact us today and put us to work for you.