When purchasing a flood insurance policy, there are many factors to put into consideration. Besides discussing your monthly premium, it crucial to identify what is covered by your flood insurance policy. If you are living in Arlington, TX, here are a few factors to consider when buying flood insurance.

Factors to consider when buying a flood insurance cover

• What your flood insurance covers

It is essential to discuss the policy document with our agents at Strack Insurance Services to find out what is covered by the policy. While such items as water pipes may be covered, such items as detached garages, barns, and sheds may not be covered depending on your policy. Depending on which area of Arlington, TX you live in, the cost of the policy may vary.

• What flood plain your home is zoned for.

In Arlington, TX, some areas are zoned as high risk, moderate risk, and low-risk areas. It is essential to discuss the risk zone where your property is based on our agents at Strack Insurance Services. This will make sure that you get a suitable policy that fully covers all your valuables.

• Insurance company reputation

Buying insurance from a reputable insurance company is crucial as it gives you the peace of mind to know the property or business is protected. Carry out research about the insurance agent you intend to buy the cover from and find out about its payment history. This information is readily available on our Strack Insurance Services website to ensure that your concerns or queries are addressed before buying any policy.

• How much coverage you need

Identify all the key areas you would want to be covered before taking a flood insurance cover. This will advise your decision on whether you may require additional coverage on areas not covered by the standard flood insurance cover.

Please visit our website or give our agents at Strack Insurance Services a call for further information on the flood insurance.

ATV owners in Arlington, TX should be aware of any insurance requirements they’re subject to. They should also explore the financial advantages of carrying ATV coverage. At Strack Insurance Services, we provide insurance policies for area ATV owners.

The following are three insurance mistakes you should avoid if you own an ATV.

Carrying no liability coverage when you take your ATV in public park areas

ATV insurance is not required by law in Texas and in many other states. However, having liability coverage for your ATV is important if you’re riding your ATV in public areas. 

Any time you ride your ATV around others, it’s possible that you could experience an accident and be held liable for the damages. ATV insurance coverage protects you from the financial consequences. 

Neglecting to pay for collision coverage

An ATV is an expensive piece of equipment. If you don’t carry collision coverage for your ATV, you can instantly lose the money you’ve invested in it if you get into an accident. For this reason, it’s important to pay for collision coverage. 

Failing to research possible discounts you can take advantage of

There are many things you can do to potentially bring down the costs of your ATV insurance. For example, you could bundle your ATV insurance with other insurance policies you buy from the same provider. You might also be able to bring down ATV insurance costs by investing in adding safety and security features for your ATV. 

Would you like to learn more about ATV insurance considerations in Arlington, TX? We’re here to answer any questions you have at Strack Insurance Services. 

Planning for a fun RV trip with your family is fairly easy, but the one thing you can’t plan for as you’re pulling out of Arlington, TX, is severe weather. You may encounter hail, thunderstorms or possibly even a tornado; all of which can be terrifying when you’re traveling in your RV. Not only can severe weather happen at any time and in any location, but it can happen quickly. To help ensure your RV trip is safe, Strack Insurance Services has put together a few tips to weather a storm in an RV.

Know Where Local Shelters are Located

Although your RV can provide protection from the elements, in a severe situation, such as a tornado, you’ll want to shelter in a place that is stable and secure. When you arrive at the campsite, it’s important to take a few minutes to get information about local storm shelters. Be sure you know the location and the best route to get there. Remember to talk with your family and have a plan in place in case you have to get to shelter in a way other than by taking your RV.

Have an Emergency Bag Packed

Keep in mind that if you have to leave your RV due to severe weather, you probably will not have much time to gather items you’ll need. So, you should have an emergency bag packed and ready to go. The emergency bag should contain medications you’ll need for a few days, important documents that you brought with you, cell phone chargers, few bottles of water and a change of clothes for each person traveling with you.

Before hitting the road, be sure to research the type of storms that you may encounter as well as the risks for the geographical area in which you’ll be traveling. In many situations, you’ll have at least a few hours’ notice before a severe storm hits, so you should routinely check the weather forecast and if it looks like you could be in for severe storms, be sure to have a backup plan in case you have to take a detour. Being prepared and knowing what to do if you encounter severe weather will allow you to stay safe.

Residents of Arlington, TX that are interested in reviewing and/or updating their RV insurance policy should contact Strack Insurance Services.

If you own a boat and live in the Arlington, TX area, it’s up to you to make sure your family is safe when you take to the water. Boat safety courses offer tips and advice on how to handle yourself while you are cruising on the lake with your friends and family. At Strack Insurance Services, the agents offer all kinds of insurance, including policies for boats and watercraft. 

Learn the Rules of the Water

A boat safety course provides each participant with a working knowledge of the laws that govern Texas waterways. By knowing and understanding these laws, boaters are better able to avoid potential accidents and keep the lakes safe for everyone who uses them.

Tips on Boat Etiquette

In addition to knowing the laws, boat etiquette is also important. It’s common courtesy to share the waterways with other boaters so that everyone can have a good time with their families. Boat etiquette is a must and prevents misunderstandings between boaters.

Protect Your Friends and Family

Taking a boat safety course will also teach you how to keep your family as safe as possible while you are out on the water. You will learn how many flotation devices are needed, as well as the best types to buy for each member of your family.

At Strack Insurance Services, the agents are well-versed in boat safety and are willing to provide you with the information you need to keep your family safe while you are on the water. If you live in the Arlington, TX area, connect with one of the agents by phone or by visiting the office. They can fill you in on when the next boat safety course is being held.

Those that are in the Arlington, TX area will appreciate the warm weather that is around most of the year. If you do live in the area, you should consider investing in a motorcycle for both recreational purposes and to be a reliable mode of transportation. If you do get a motorcycle, it is important to get motorcycle insurance. There are several tips that can be followed to help you to choose the best motorcycle insurance policy possible. 

Get Liability Insurance

When you are getting motorcycle insurance, the first factor to consider is your liability insurance needs. At a bare minimum, you need to carefully consider the state minimum requirement for motorcycle insurance. This will require you to have a certain level of liability insurance at all times. if you do not have this type of coverage, you could face serious penalization when you are caught without it. 

Collision and Comprehensive Coverage

Beyond the base liability motorcycle insurance, you may also need to get collision and comprehensive insurance. Depending on the motorcycle option that you choose, you could be making a big investment with the purchase. If you have a loan or are going to have to spend a lot of money to replace the motorcycle, you will also need a full collision and comprehensive motorcycle insurance policy to ensure you are covered. 

Anyone that has a motorcycle in the Arlington, TX area needs to make sure that they get a good insurance policy. When you are looking for insurance in this area, you should call Strack Insurance Services as soon as you can. Strack Insurance Services is a great service and option because they work hard to understand your needs to make sure you get into the right policy for your situation. 

Having proper insurance on your most valuable assets is always a good idea. For those that are in the Arlington, TX area and own a mobile home, getting mobile home insurance is a practical necessity. There are several factors to consider when you are shopping for a mobile home insurance policy that will ensure you have proper coverage. 

Amount of Property Coverage

One of the most important factors to consider when shopping for mobile home insurance is the amount of property coverage that you will receive. When you own a mobile home, you will have a major asset that you will want to have properly covered by insurance. You should make sure that you have enough coverage through the mobile home insurance policy to replace the mobile home as well as your personal belongings. This should also be enough to pay off any debt you own the home as well.

Liability Coverage

Through a mobile home insurance policy, you also will want to have liability coverage. Owners of mobile homes will need similar liability coverage to someone that has a single-family property. This type of insurance coverage will provide protection whenever you are found to be liable for damages caused in an accident.

There are clearly many things to think about when you are shopping for mobile home insurance. Due to the complexities that come with this type of insurance, it would never hurt to get the advice or input of a professional. For those that are looking for this form of insurance in the Arlington, TX area, speaking with the team at Strack Insurance Services would be a great option. The insurance professionals at Strack Insurance Services can help you to get into a great policy that covers your mobile home properly.

Access to healthcare is something that many people take for granted. One of the first ways to ensure that you are able to get care when you need it is by getting health insurance. There are several reasons why someone in the Arlington, TX area needs to have health insurance in place at all times. 

It Will Allow You to Access Affordable Healthcare

One of the main advantages of getting health insurance in the Arlington, TX area is that it will allow you to gain access to affordable healthcare. All people should be able to see a doctor, get access to medication, and receive any other form of care that they need. Unfortunately, the cost of this attention is very expensive unless you have health insurance. When you do have insurance, you will have access to this affordable care, which can help you to live a healthier life. 

Allows for Legal Compliance

Over the past few years, the health insurance industry has also changed a lot because it has become a requirement for all people to carry insurance at all times. Now, whenever you file your federal taxes, you are going to have to show that you carried insurance. If you do not have evidence of insurance for the prior year, you could be penalized, which could drastically reduce the amount of money you get back from your tax return.

Choosing the right health insurance plan can be tricky. To help you do this, you should call the team at Strack Insurance Services. The insurance team at Strack Insurance Services has helped many people in Texas choose the right health insurance plan for their situation. This ensures that you remain in compliance and continue to have access to affordable care and support.

General liability insurance in Arlington, TX helps cover the cost of liability claims that are made against a business by a third party.

Third-Party Injury: If someone injures themselves on your property then they can make a claim against the business. This insurance will cover the cost of the claim.

Product Liability: Not all injuries or damages can come from the store. If a business distributes, sells, or manufactures a product that causes harm then it can also be sued.

Third-Party Property Damage: If your business causes damage to another person’s property, you need to be protected. For example, if you own a landscaping business that is removing a tree stump and the stump rolls down and damages the neighbor’s hot tub, the business may be liable.

Advertising Injury: An example of advertising injury includes when you run an advertisement with music playing in the background and the artist makes a claim against you for copyright infringement.

Reputation Harm: It’s possible that other businesses can claim that things you say or advertisements you have harmed their own business’ reputation. General liability can cover the costs related to these types of claims.

There are some things that aren’t covered by general liability insurance in Arlington, TX. Policies can also vary by coverage so it’s always best to read the fine print of your policy and contact an agent at Strack Insurance Services if you have any questions. General liability insurance doesn’t cover things that other commercial insurance covers, such as auto accidents, employee illness or injury, or property damage. It’s important to note that customers and clients can also make claims that your business committed errors when providing them with professional services. In this case, general liability insurance doesn’t cover the claim but professional liability or errors and omissions insurance can cover these related costs.

Contact Strack Insurance Services to get a quote on general liability insurance. 

A standard home insurance policy will normally not cover your home if you rent all or a part of it to another person. When a home or a portion is rented to someone, this is considered a commercial activity. This is usually something that is specifically excluded from coverage in the typical home insurance policy. For this, you need rental liability insurance, which is also called landlord insurance.

Commercial Insurance for a Home

If you are planning any business activities in your home, including having a home office, you should first consult with your insurance agent at Strack Insurance Services, serving Arlington, TX and the surrounding area, to make sure you have adequate insurance coverage.

Rental liability insurance is a special form of commercial insurance, which protects a landlord/homeowner if someone is injured on the property or if any damage is done to another person’s property that the landlord is held responsible for causing. It also protects the home structure, just like regular home insurance.

When do you need rental liability insurance?

This can be a gray area and not always have an obvious answer. For example, if you share a home and someone helps pays utilities is that the same as renting out a room? What about if that person is a member of the family? Each circumstance is different, so it is best to talk your situation over with your insurance agent.

You should also consider telling the tenant(s) that they need to get renter’s insurance of their own to protect their personal property as well. Renter’s insurance is not expensive and anyone renting a place should have it to protect the value of personal belongings

Summary

Before renting your home or part of it to another person, contact your agent at Strack Insurance Services in Arlington, TX by calling us to get an insurance review and a quote for rental liability insurance.

Many people think that getting life insurance is only something that has value when they die. This is not true. If you love those who are close to you, life insurance has a value from the moment you get it because it gives you peace of mind. Also, if you get life insurance that builds up cash value over time, there is the possibility of borrowing funds at a very low cost when you need them in the future. 

When you borrow against the cash value of a life insurance policy there is no credit check and the process is very easy. Also, the money you get is tax-free because it is a loan and not income. In this way, life insurance can be part of financial planning that helps the insured person while they are still alive. 

Discuss the possibilities of how life insurance of different kinds can be used for the most benefit with your agent at Strack Insurance Services serving Arlington, TX and the surrounding communities.

Life Insurance for Life Changes 

Certain events in our lives are excellent times to consider life insurance, which include:

• Growing Up — When you become an adult and move away from home, this is a wise time to get life insurance. Perhaps, you may want to make your parents beneficiaries of the policy because if you are not around when they get older your life insurance proceeds could help them.
• Getting Married — This is the most popular time to get life insurance. If you are clever, you will insure both yourself and your partner.
• Having a Baby — If you have a baby of your own or you adopt one, that is a great time to get life insurance to protect your child. 
• Retiring — Life insurance is part of retirement planning so ask your agent about this and the potential tax advantages.
• Leaving a Legacy — You may want to leave some funds for those you care about or charities that you support.

Work with your agent at Strack Insurance Services in Arlington, TX to get the most benefits of life insurance. Call today to get a life insurance review and a quote.