One of the best ways that you can spend a nice day is out on the water on your very own boat. If you do have your own boat, it is important that you consider all of your responsibilities that come with it. One important factor to consider is whether or not you should get insurance on your boat. While it is not necessarily required by law in the Arlington, TX area, there are still several reasons why its protections could be beneficial.

Covers Damage or other Losses

The main reason why you will want to have insurance for your boat is that it can provide you with coverage for any damage or other losses that you have. When you own a boat, there is always the risk that it could be damaged during a storm, vandalized or stolen by another person, or involved in an accident. In any of these situations, a full boat insurance policy will provide you with the coverage that you need. 

Liability Protection

Any owner of a boat does not on liability whenever they use it. If you are operating a boat, you could be held responsible for any damage or injuries that occur as a result of your actions or boat. When you have a boat insurance policy in place, you will receive financial coverage and support if you are sued by another party that suffered a loss during an accident. 

When you are looking for boat insurance in the Arlington, TX area, contacting Strack Insurance Services would be a great option. The team at Strack Insurance Services is very educated on the risks that come with owning and operating a boat. This company can then help you get into a policy that will provide you with the coverage you need. 

If you are looking for ways to lower your motorcycle insurance premium in Arlington, TX, there are things you can do.

Purchase a More Basic Motorcycle: Bikes with bigger engines or ones that look like they belong on display at the dealer can create a better driving experience, but they can also be more costly for insurance. A smaller bike without all the bells and whistles will lower premiums.

Choose a Higher Deductible: With a higher deductible, you are responsible for more of the policy’s risk, which will help lower the premium. With a higher deductible, you will pay more in the event of a loss but will save on premiums.

Buy Only the Coverage You Need: You should have enough coverage to cover your labor costs, bike parts, and any medical expenses form hospital stays, in order to prevent out of pocket costs later. However, if you are looking to save money you can decide not to purchase collision coverage, accessory insurance, or trip interruption insurance, as well as other coverage you don’t need.

Combine Insurance Policies: When using a single insurance company, such as Strack Insurance Services, you can bundle policies like motorcycle, auto, and home, and get a drop in premiums.

Get Certified in Motorcycle Driving: Passing a motorcycle safety class can sometimes give you a discount on insurance. Even if you are a seasoned rider, you could still benefit from these techniques.

Be a Safe Rider: No matter where you are getting insurance from, if you are a safe rider then you pose less risk. Any accidents or violations will usually increase your costs. Many companies will offer discounts to safe drivers.

Pay in Full: Many companies will give you a discount when paying your premium in full for six months or a year, instead of paying monthly.

Contact Strack Insurance Services, serving Arlington, TX, to get a quote on motorcycle insurance. 

Why do you need mobile home insurance?

Mobile homes are a growing option in permanent housing. Because mobile homes are now built to standards compared to traditional homes, more families are choosing them as permanent housing. Because of this, mobile home insurance is a growing necessity throughout Texas. While you can customize your policy to include a variety of options, the standard for mobile home insurance in Texas can be found below.

• Dwelling Coverage
• Personal Property
• Liability Protection

Like standard home insurance, dwelling coverage is essential. Any attached deck and roof would be included in this policy. If for example, a tree were to fall on your home, your home and any built-in attachments would be covered under your policy. Also, mobile home insurance policies cover any additional living expense fees, should your home become uninhabitable due to structural damages. 

Personal property includes the items found in the home up to a specific value. If your home is victim to theft or accidental fire damage, your personal property within the home would be covered under this plan. 

From time to time, we all enjoy hosting guests for a variety of reasons. If you are entertaining and a guest has an accident that requires medical or legal attention, the liability protection of your coverage will cover your financial for any incurring fees. 

Add-On to Your Policy

Do you desire to add any outside storage to your property? Would you like it insured? Your mobile home plan has the flexibility to cover additional structures. If you plan to build an unattached garage or shed that will house valuable personal property, it is a good idea to add that to your policy in the event of the aforementioned tragedies. 

Get Your Mobile Home Policy Today!

Located in Arlington, TX, a Strack Insurance Services agent would like to discuss your coverage plan today. Contact us here to schedule an appointment.

Why do you need mobile home insurance?

Mobile homes are a growing option in permanent housing. Because mobile homes are now built to standards compared to traditional homes, more families are choosing them as permanent housing. Because of this, mobile home insurance is a growing necessity throughout Texas. While you can customize your policy to include a variety of options, the standard for mobile home insurance in Texas can be found below.

• Dwelling Coverage
• Personal Property
• Liability Protection

Like standard home insurance, dwelling coverage is essential. Any attached deck and roof would be included in this policy. If for example, a tree were to fall on your home, your home and any built-in attachments would be covered under your policy. Also, mobile home insurance policies cover any additional living expense fees, should your home become uninhabitable due to structural damages. 

Personal property includes the items found in the home up to a specific value. If your home is victim to theft or accidental fire damage, your personal property within the home would be covered under this plan. 

From time to time, we all enjoy hosting guests for a variety of reasons. If you are entertaining and a guest has an accident that requires medical or legal attention, the liability protection of your coverage will cover your financial for any incurring fees. 

Add-On to Your Policy

Do you desire to add any outside storage to your property? Would you like it insured? Your mobile home plan has the flexibility to cover additional structures. If you plan to build an unattached garage or shed that will house valuable personal property, it is a good idea to add that to your policy in the event of the aforementioned tragedies. 

Get Your Mobile Home Policy Today!

Located in Arlington, TX, a Strack Insurance Services agent would like to discuss your coverage plan today. Contact us here to schedule an appointment.

For freelancers who recently quit a 9 to 5 job, one of the most daunting tasks is finding an individual health plan. Some freelancers may be lucky enough to have a spouse who can add them to their group plan, others must find another alternative. Strack Insurance Services in Arlington, TX has qualified representatives that can walk you through your options. In the meantime, here’s some information to get you started.

When Do Freelancers Need Insurance?

If you’re an entrepreneur, freelancer or self-employed, you have a few coverage options under the Affordable Care Act, based on the following circumstances.

If you lose or leave a job, you can get insurance anytime, regardless of enrollment periods. The Health Insurance Marketplace is often a better option than COBRA benefits. The grace period for applying is 60 days from when your insurance coverage ends.

If your income is unpredictable, you can still get insurance. Also, if you’re self-employed, you still eligible for coverage through the exchange. 

Sometimes, the best option is a private insurer that caters to self-employed individuals. Rather than wade through all the options available online, work with a Strack insurance agent who is experienced in matching small business owners and freelancers up with the ideal health insurance plan.

What’s Happening to Obamacare in 2019?

The Affordable Healthcare Act had an open enrollment period for 2019, so plans are still available in 2019. If you experience any of the life event changes above you should be able to enroll even after the enrollment period. Your Strack Insurance Services agent in Arlington, TX can help you understand what’s available in your specific circumstances. Contact the office to schedule time to discuss your options and meet for a quote and to inquire about any other insurance needs you may have.

College is a wonderful time of learning and making new friends. It’s also an important time for professional advancement as well as fostering those first serious relationships. In the excitement of it all, it can be easy to forget about renter’s insurance for the college couple. But this important milestone should not be overlooked. Accidents and thefts can occur on or near a college campus in Arlington, TX, just like they can anywhere else. Whether you or your children live separately or together as a couple, there are a few important points everyone should look at with Strack Insurance Services at when it comes to renter’s insurance. 

One important list item to determine with renter’s insurance is whether you or your students already have it. If you have homeowner’s insurance and your college student lives on campus in a dorm, your homeowner’s insurance may cover one of the students. For a couple to be insured, whether or not they live in the same dorm, each student’s parents would need to have insurance that covers them. Homeowner’s policies vary, so check to make sure that your coverage includes property and liability insurance if that is what you need. Extra coverage may be necessary if the homeowner’s policy covers only property insurance. 

If you or your students are living off campus in a home, condominium, or apartment near Arlington, TX, you may want to acquire both liability and property insurance for everyone’s peace of mind. Some policies cover all those under the same roof and may cover both significant others, married spouses, or simply roommates. In other cases, each person will need individual insurance. Call Strack Insurance Services today to find the right policy for you or your students during college. 

General liability insurance ensures that your business is protected from potential damages. Most business owners understand the need for business insurance, but they may lack enough knowledge to figure out just the right level of protection. In case you are in this category ensure you contact your local professional such as Strack Insurance Services in Arlington, TX to help you.

A General Liability Insurance policy may help your business in things like:

Third Party Property Damage

If somebody in your payroll damages a third party’s property, then you may have cover the damages. General liability insurance will help you cater for such costs. For example, your employee accidentally damages property on a neighboring office in a midst of work-related activity, the neighboring business will file a lawsuit. Your general liability insurance will cover such claims.

Third Party Bodily Injury

If a person accidentally falls on the slippery floor and breaks their arm. They may file a bodily injury claim. Your general liability insurance will chip in. It will help you cover for the medical bills and other charges that may be associated with the injury.

Reputation Harm

Some businesses may file a claim that your business has negatively impacted their business. For instance, while in an interview, you may be asked to comment on the competition. And when your competitors read this interview, they may suggest that your comments were slander against their business.

In such instances, general liability insurance will help you cover the cost of the lawsuit.

Businesses need to be always ready to cover any risk that may come their way to avoid being eliminated. There are numerous insurance agencies, one of them being Strack Insurance Services, that are ready to help any business through tough times. Any business in Arlington, TX has the opportunity to survive tough times, that’s why general liability insurance s necessary for any business.

Not only is it possible to have more than one life insurance policy from Strack Insurance Services, but you should also have more than one policy to truly protect yourself. Since it does cost you more to buy multiple policies, the coverage should be justified. If you are single and only make $45,000 a year, for example, then you probably don’t need to have millions in coverage, since life insurance policies are designed to protect dependents.

While not everyone may benefit from more than one policy in Arlington, TX, there are some instances where it works. If you need additional coverage after you have another kid or new mortgage, it may make sense to buy a new life insurance policy instead of just increasing the coverage limits on your current policy. There is an advanced financial strategy that comes with more than one policy, and this can be known as ladder strategy. This involves a few term life insurance policies that are designed to expire as you start to pay down debt. With this, you may have a 30-year, 20-year and 10-year term policy all at once. With this strategy, you may get lower premiums over the lifetime of the policies, instead of just one level premium. There is also the option to mitigate risk with more than one policy. It is vary rare that a life insurance company will go out of business, and there are protections in place for you if that happens, but some people just don’t like the idea of relying on one policy in order to plan for their beneficiaries’ future.

There are also different types of life insurance polices to consider. You may want a combination of term and permanent polices. Since term life insurance is put in place for a specific time period, many might want to rely on this coverage during a time of heavy financial burden. An example is when kids are young and there is a lot of principal left on their mortgage. This way, you still have a permanent life insurance policy for when your term policy drops off.

Contact Strack Insurance Services, serving Arlington, TX, to get a quote on life insurance.

Workers compensation insurance is not required by Texas state law, but it is a coverage that many employers opt to purchase to help protect their businesses when unforeseen accidents occur. 

What Does Workers Compensation Insurance Cover?

Employers are required to pay for their employees’ medical care when it is needed to treat workplace injuries. For many staffers, it will also be necessary for them to receive monetary compensation while they are recuperating and are unable to work. This can no doubt prove to be expensive, and workers compensation insurance can help pay for these bills. 

Although employers do their best to ensure that no one is hurt at their place of business, falls and other mishaps can still happen. When this is the case, both parties will often find themselves appearing in a court of law to settle financial disputes. Fortunately, this is another area where workers compensation insurance is beneficial, as it can provide indemnification against liability expenses related to legal issues. 

Workers compensation insurance also kicks in when a laborer dies through work-related activities, and this can help pay for funeral costs and payments that help support your employee’s beneficiaries. Workers compensation benefits may extend to people who perform services for you on a freelance basis, contractors, general employees, and even to yourself. Your agent can help answer questions regarding what is specifically covered, as it will vary, depending on the type of business that you are running. 

Contact Strack Insurance Services in Arlington, TX

At Strack insurance Services in Arlington, TX, we strive to always provide superior service to our clientele. We offer various insurance products, including homeowners, automobile, and commercial insurance, and we look forward to finding the appropriate insurance package that’s right for you. Reach out to us today for more information!