When it comes to getting the right level of health insurance coverage for your needs, there are plenty of options. But what type of coverage do you need to remain compliant with federal laws governing the amount of health care insurance individuals need to avoid a yearly penalty? Keep reading to find out more about those guidelines.

The Minimum Amount Of Health Insurance Coverage

In order to avoid a penalty for lack of adequate health insurance coverage, and an individual must maintain coverage for the majority of the year for what the government deems minimum essential coverage. It can be obtained through COBRA health plans, employer health coverage, grandmother and grandfathered plans, CHIP state insurance, and ACA compliant plans. Guidelines to what exactly qualifies as minimum essential coverage is outlined on the healthcare.gov website. 

Finding The Right Policy

Staying compliant and finding the right health insurance policy to meet you and your family’s needs are crucial in combatting illnesses and staying healthy now and in the future. That is why working with a skilled insurance provider is your best options for getting complete coverage and avoiding penalties while protecting yourself and your loved ones. If you are a resident of Arlington, TX and want to get the policy that meets your individual needs, you should contact Strack Insurance Services. 

Don’t take chances when it comes to your health and staying compliant with current federal healthcare laws. Call or stop by Strack Insurance Services if you live in or around the Arlington, TX area. Quality health insurance that can give you peace of mind is only a phone call away. 

Like standard home insurance, mobile home insurance includes dwelling coverage protecting the structure of the home. When properly maintained, the mobile home has the ability to last for several decades. Below are some things mobile homeowners should know to maintain their mobile home interior in addition to obtaining a policy with Strack Insurance Services. 

Minimize Wall Hangings

In most mobile homes, hanging heavier items can be damaging to your walls. Because there is minimal sheetrock in most of these homes, attempting to hang heavy decor or build additional shelving could cause the entire wall to come down from the weight. 

Get Some Caulk

Most bathrooms in mobile homes have showers and tubs that come in two pieces, leaving a large area for grout and mildew. A couple of tubes of caulk from your local hardware store will allow you to fill these holes and minimize the dirt and grime that could end up molding the room, providing a seal in that area. 

Skirt Maintenance

While the mobile home skirt is on the exterior, keeping it intact prevents the outside environment from getting beneath the house and destroying pipes and insulation, which are used for interior functions and could cause further damage into the home. Wildlife, insects, and other undesirable variables are unable to come beneath the home when the skirt is maintained. 

Get Your Policy Today

Using these tips can prolong the structure of your mobile home, but as a precaution, it is best to also have mobile home insurance. At Strack Insurance Services, we proudly serve the mobile home residents in or around the Arlington, TX area for their insurance needs. Give our agents a call today to begin drafting a policy fit just for you.

There are tons of different insurance policies out there and knowing a thing or two about them can make a big difference in how you go about choosing the policy that is right for you. For those that live in the Arlington, TX area, the agents with Strack Insurance Services can help you find the policy that works for you.

Insurance is a complicated thing and knowing that different types of insurance are can help you to determine what insurance is right for your needs. General liability insurance is also referred to as business liability insurance. This insurance type covers general claims for the business like a bodily injury to employees or patrons, damage to property and more. This is great insurance coverage to have if you do own a business and you want to be sure your business interests are covered.

Not all businesses need general liability coverage but many can benefit from it. This is a great coverage type to have if you do not have a commercial specific policy and you want to make sure that your business, the people that frequent it, and your employees are all covered and protected. This type of policy helps to pay damages and helps to settle issues out of court so that your business is fully protected and so that if someone is injured on your property you can use your general liability coverage rather than having to pay out of pocket on your own.

For those that live in the Arlington, TX area, the agents with Strack Insurance Services can help you decide if general liability insurance is right for you then choose what policy type is going to work best for your needs and for the business you are protecting, covering and insuring.  

In any living situation, you are going to come up against pests. Though these pests are not predictable, it is important that you take the time to prepare before they ever show up. For those that live in a rental home, it may be more difficult to fight pests. For those that live in the Arlington, TX area, the agents with Strack Insurance Services can help you to find the right rental policy for your particular rental.

Rental insurance covers a great deal. It helps to cover the cost of replacing items that are destroyed in something like a fire, it can help pay to replace items that are stolen, and it can help you pay to find another place to stay if your home is destroyed. Rental insurance, like home insurance, however, does not pay for pest control. Pest control falls under the category of home maintenance which is not covered in home policies.

If you have pests, it is suggested that you take the time to talk with your landlord to handle the pests or to take the time to get your pests under control before they cause a great deal of damage. For the most part, your landlord will work to take care of pests so that they do not damage their property. You cannot claim pest damage on a rental policy either. Pests are something that you cannot avoid in most cases and the best thing you can do is to take control of them before they cause a great deal of damage.

For those that live in the Arlington, TX area, the agents with Strack Insurance Services can help you find a  policy that works for you and that works for your particular rental situation and what your rental property looks like.  

It may seem tempting if you have a home business in Arlington, TX to try to get by without commercial insurance. Unfortunately, this can leave you open to claims that your homeowner’s policy won’t pay, and this could threaten your business.

A Business Owner’s Policy (BOP) is a great way to get the kinds of general coverage you need while saving money. A BOP combines general liability with property protection, and for some businesses, this will be all you need.

General Liability coverage protects you when your business is considered liable for property damage or personal injury that occurs in the normal course of business. For instance, if a customer falls down on your property and gets hurt, the medical bills should be covered under your general liability policy.

Another important kind of coverage is professional liability insurance. If make an error that causes a load or damages to someone else, that person can sue you to recover. For instance, if you are an accountant, someone could sue you for errors made while preparing paperwork that resulted in a load of money.

At Strack Insurance Services, we offer several kinds of insurance that may be helpful to a home business. If you use your vehicle for work purposes, you may need commercial auto insurance. You may need other kinds of insurance specific to your kind of business.

If you have a small business in Arlington, TX, you understand how important it is to protect your investment. Just one lawsuit could permanently damage the financial stability of your company. If you want to make sure you have covered all the important areas of your business, please call Strack Insurance Services today so we can evaluate your situation and discuss your options, with no obligation to you.

Life insurance is an important part of financial planning for families with young children, but the benefits do not stop there. A comprehensive life insurance policy can help protect your family’s financial well-being through all life stages. If you are in the greater Arlington, TX area and want to ensure that your family has the protection they need, contact the team at Strack Insurance Services and find out how the right policy can help your family now and for years to come.

How Life Insurance Can Grow With You and Your Family

Life insurance is typically considered an important part of protection for growing families because of the death benefit that it provides to surviving family members. In addition to this benefit, whole life or universal policy can help meet major financial obligations throughout all life stages. If you have children that will need help with their college tuition, or you want to be able to retire without financial worry, there are life insurance policies that can help you meet these goals. Meeting with a local agent is the first step in understanding how you can provide a strong financial foundation for your family. There are many benefits to life insurance in addition to the death benefit, and having a comprehensive policy can help to protect your family for many years to come. 

Are you receiving the most benefit from your current life insurance policy? Call or stop by the Strack Insurance Services office today and learn more about how life insurance can play an important role in your overall financial health. Our team of professional agents is proud to serve the greater Arlington, TX area, and we look forward to working with you!

Flood insurance can be confusing!  Do you need it?  Will it cover everything?  If you own a home in the Arlington, TX area, you may need it, and you want to make sure it covers your assets if you do.  There are several myths about flood insurance that muddy the issue.  Here are some myths busted about flood insurance for you.

1.    You must live in a flood plain to get a policy.  Not true.  If you reside in a flood plain, the mortgage company may require flood insurance, but you can buy a policy even if you don’t.

2.    Flood insurance is only for high-risk areas.  This myth is also not true.  Anyone can purchase flood insurance.  Remember that there are different types of flooding that can damage a home.

3.    A flood insurance policy will cover everything.  Not necessarily true.  There are caps on the amount of coverage for the structure of the house and personal property.  It would be best if you worked with an agent to review any limitation in your area.

4.    A homeowner’s policy will cover a possible flood.  Unfortunately, this is not true.  Typical homeowner’s policies exclude earthquakes and floods.  Make sure of your home coverage with an agent.

5.    All water damage is the same.  Not true.  Some storm damage may be covered under your homeowner’s policy and some may not. 

6.    Flood plain maps don’t change.  These maps actually do change over time, and an agent can help you check.

Strack Insurance Services

We at Strack Insurance Services also live in the Arlington, TX area, so we know which type of flood insurance will best protect your valuable assets.  Contact a Strack agent today to explore your current policy or a new policy to fit your needs.