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Paragon Independent Insurance Agencies, Inc

6305 Preston Road #1000
Plano, TX 75024

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Tiny Homes and Unconventional Living Spaces: Insuring Your Unique Home

Posted on by AgentInsure

Hey there! Are you curious about how to protect your tiny home or unconventional living space in Plano, TX, and the surrounding areas? We at Paragon Independent Insurance Agency have noticed the growing trend and love the creativity we’re seeing. But we also know that figuring out the right insurance can be a bit of a head-scratcher. How can we help you find peace of mind for your unique dwelling?

The Nitty-Gritty of Insuring the Not-So-Ordinary

Choosing a tiny home or a unique living space isn’t just a housing choice; it’s a lifestyle. But with great style comes great responsibility – especially regarding insurance. Regular policies might not cover the unique aspects of your home, like being on wheels or maybe floating on water. It’s crucial to consider where your home sits, its mobility, and all those personal touches that make it yours.

 We’re Here to Help You Navigate

Insurance can seem like a maze, especially for something as unique as your home. But you’re not alone. We know the ins and outs of finding the right coverage for spaces that don’t fit the typical mold. We’ll walk you through it, ensuring you understand your risks and what you’re protected against so you can rest easy.

Let’s Chat About Your Unique Home

Are you living in a tiny home or any unconventional space in or around Plano, TX, or the surrounding areas? We’d love to help you ensure your home is as protected as your lifestyle. Paragon Independent Insurance Agency is all about finding the right fit for your unique needs. Reach out to us today, and let’s ensure your home is safe and sound, no matter how unique.

Three Types of Commercial Insurance Your Business May Need

Posted on by AgentInsure

Optimizing Your Business Security – Paragon Independent Insurance Agency in Plano, TX

Running a successful business entails a ton of responsibilities, with one of the key areas being protection. At Paragon Independent Insurance Agency in Plano, TX, we understand the dynamics of commercial insurance. The scope of insurance your business requires hinges on several factors, such as its nature, size, location, and the products or services it offers. The right commercial insurance can significantly contribute to your business’s continuity, even following unforeseen circumstances. Without it, you risk closing up shop prematurely.

Product Liability Coverage for Businesses

Product Liability Coverage is a crucial component of commercial insurance, especially for businesses involving physical product sales. While your product might seem harmless, there’s always a chance that it could potentially cause injury. It’s essential insurance to have, as it covers your liability towards the injured party. Don’t underestimate its importance – even if there’s a minute chance of injuries with your product, it’s still better to be on the safe side.

Workers’ Compensation Insurance

Workers’ compensation insurance is a non-negotiable when your business employs individuals. Sole proprietorship businesses might bypass this. However, businesses with employees should consider it vital. It shields your establishment in case an employee sustains injuries while working. Remember, hazards aren’t solely linked to dangerous working conditions; incidents like falls can occur at any workplace at any time. Opt for this coverage for peace of mind.

Cyber Insurance: Securing Information

Do computers power your business? Cyber insurance might be the only thing you need. This coverage is a lifesaver in the event of a data breach, which could cost a fortune to rectify. By opting for Cyber Insurance, you can easily sail through such problems.

Your Commercial Insurance – A Phone Call Away

Your business requires impeccable security, and the correct type of commercial insurance can ensure that. Connect with us at Paragon Independent Insurance Agency in Plano, TX, and secure your business assets today.

Insurance Coverage for Household Appliances

Posted on by AgentInsure

When acquiring new home appliances, consider incorporating them into your existing home insurance policy. These tips will help ensure adequate coverage for your latest investments. Don’t hesitate to contact our representatives at Paragon Independent Insurance Agency for assistance updating your personal insurance policy.

Consider the Use Value

Consider the use value of each appliance you’ve recently purchased. Insuring items that you use regularly is a wise choice. Insurance provides coverage for the repair or replacement costs if your appliances become damaged or are stolen.

Account for the Monetary Value

Review the cost of each item you’ve recently purchased. The monetary value of each appliance can allow you to determine the amount of insurance coverage you need for each item. This insurance coverage will cater to the cost of electrical materials and other components necessary for repairing your appliances if they get damaged while under your ownership.

Assess the Appliance Location

Evaluate where you have installed each appliance. The location you choose could influence the amount of insurance necessary. For instance, if you have new laundry machines installed in your basement, consider seeking flood protection. Basements, being the lowest level of your home, are more prone to flooding than other areas.

Contact Us

Any valuable purchase, such as home appliances, should be added to your existing insurance policy. Our dedicated agents serving Plano, TX, can help address any questions or concerns about the appropriate insurance coverage you need, so get in touch today.

Protect Your Plano, TX Vehicle with Reliable Auto Insurance

Posted on by AgentInsure

Local automobile owners in Plano, TX must consider proactive measures to protect their vehicles due to the unpredictable nature of driving. One key strategy involves obtaining comprehensive auto insurance coverage. Paragon Independent Insurance Agency’s knowledgeable agents are at your service!

Evaluating Your Auto Insurance Requirements

To begin protecting your vehicle, you must first understand your driving habits and auto insurance scores and assess local driving conditions. The amount you drive, the crime rate in your area, and weather conditions influence your insurance needs.

Selecting a Trusted Insurance Provider

Choosing a dependable insurance provider with robust customer service and competitive auto insurance rates is crucial. Trustworthy insurance agents have a strong reputation for excellent customer service and support.

Personalizing Your Policy

Having a trustworthy insurance agent by your side can help you navigate the complexities of auto insurance. They can assist in selecting the most suitable policy options that align with your driving habits, budget, and lifestyle.

Inquiring About Bundling Options

Numerous insurance providers extend a discount for customers securing multiple policies. For example, you may save time and money by bundling your auto insurance and home insurance policies.

Reviewing and Modifying Your Policy as Required

Your driving habits, address, and the number of covered drivers in your household can change over time. Contact Paragon Independent Insurance Agency to revisit your auto insurance policy and ensure that your current coverage aligns with your present driving needs!

Secure Your Plano TX Home in Five Easy Steps

Posted on by AgentInsure

The initial step in securing your property in Plano, TX involves evaluating your home insurance requirements. Paragon Independent Insurance Agency provides services to address your home’s unique features and susceptible areas.

Selecting Optimal Home Insurance Coverage

Factors such as your home’s age, location, the local weather, costly valuables, and high-price items should be considered when choosing your home insurance coverage.

The Importance of Itemization

Creating a comprehensive list of your possessions expedites home insurance claims if unforeseen circumstances arise, dramatically simplifying recovery or replacement of lost, stolen, or damaged items.

Understanding Your Insurance Policy’s Limits

Communicate with a reliable home insurance professional to understand your policy’s financial limits. Ensuring you have sufficient coverage to reconstruct your property or replace all your belongings if a significant loss event such as a flood or fire occurs is recommended.

Updating Your Insurance Policy according to Changes

Home insurance requirements can change with property updates such as renovations, additions, or new landscaping decisions. Regularly reviewing your policy to ensure your current coverage aligns with your home value and needs is crucial.

Getting Home Insurance Quotes

The complexities of home insurance can be navigated smoothly with assistance from trusted insurance agents. Contact the insurance experts at Paragon Independent Insurance Agency in Plano, TX for information about your home insurance coverage options and receive a free quote today!

Customizable Coverage for Small Businesses

Posted on by AgentInsure

In the dynamic landscape of small business operations for Plano, TX, and around, the need for insurance coverage that adapts to unique circumstances is more critical than ever. Customizable coverage is emerging as a cornerstone in empowering small businesses to navigate the complexities of risk management effectively.

Adapting to Varied Business Models

Small businesses’ customizable coverage recognizes diversity, allowing them to tailor their insurance plans to meet their specific needs. Whether it’s a retail storefront, a tech startup, or a service-oriented business, the ability to adapt coverage ensures that small enterprises are unburdened with unnecessary premiums for features that don’t align with their operations.

Flexible Policy Limits and Deductibles

Customizable coverage extends beyond the types of risks covered to include flexibility in policy limits and deductibles. Small businesses can adjust these parameters based on their risk tolerance, financial capacity, and the nature of their operations. This flexibility enables businesses to strike between protection and affordability, ensuring that insurance remains a valuable asset rather than a financial burden.

Industry-Specific Add-Ons

Recognizing that different industries face unique challenges, customizable coverage allows small businesses to add industry-specific endorsements to their policies. Whether it’s coverage for cyber risks, professional liability, or equipment breakdowns, companies can tailor their insurance to address the specific threats prevalent in their sector.

Scalability for Growth

Small businesses are dynamic entities that often experience growth and evolution. Customizable coverage is designed with scalability in mind, allowing businesses to adjust their insurance as their operations expand. This adaptability ensures that insurance remains a supportive tool rather than a hindrance as businesses navigate the changing landscape of their industries.

How Paragon Independent Insurance Agency Can Help You

At Paragon Independent Insurance Agency, we can help answer questions concerning commercial insurance. We serve the Plano, TX, area. Contact us today. 

What Steps Should You Take If a Storm Damages Your Home?

Posted on by AgentInsure

Weathering the Storm: A Guide for Homeowners

Storms are a natural occurrence in the vibrant community of the greater Plano, TX area. As your trusted insurance partner, Paragon Independent Insurance Agency is here to guide you on the essential steps to take if a storm wreaks havoc on your home.

Assessing the Damage

The first crucial step is to assess the extent of the damage. Inspect your property carefully, both inside and outside, to identify any visible signs of destruction caused by the storm.

Prioritize Safety

Your safety and the safety of your family come first. If there are immediate dangers, such as structural instability or exposed electrical wires, evacuate the premises and seek shelter in a secure location.

Documenting the Damage

Take photographs and make detailed notes of the damage. This documentation will be invaluable when filing an insurance claim. Capture the affected areas from multiple angles and ensure clarity in your images.

Contacting Your Insurance Agency

Reach out to your insurance agency promptly to report the damage. Our dedicated team will guide you through the claims process, providing the support and expertise you need during this challenging time.

Mitigating Further Damage

Take necessary steps to prevent further damage, such as covering broken windows with tarps or placing buckets to collect water leaks. These proactive measures can contribute to minimizing additional losses.

Connect Today for Personalized Guidance

For personalized guidance on navigating storm damage and ensuring your home is adequately protected, connect with Paragon Independent Insurance Agency. Serving the greater Plano, TX area, they are here to support you every step of the way. Call today or visit our website for more information.

Choosing the Right Commercial Policy for Your Business

Posted on by AgentInsure

When you have a business, you need to make sure it’s adequately protected. A commercial insurance policy is one of the best ways to do that. If you’re in the Plano, TX area and looking for the right coverage, working with a trusted agent at Paragon Independent Insurance Agency can help you get a policy that meets your needs. Then, you can have great commercial coverage and plenty of peace of mind. 

What to Consider When Choosing Commercial Insurance

The first thing to consider when exploring business coverage is what kind of company you have. If you’re providing a product on a large scale, you need a different policy from someone offering a service and operating a small business. Just having coverage isn’t enough because you need to be sure you have adequate protection for your specific type of company and the products, equipment, employees, and customers you work with daily.

Then, you also want to ensure you’re finding the best value and options for the policy you need. That’s easier when you work with a qualified agent and insurance company. A dedicated agent can provide several quotes from insurers and talk with you about the differences in coverage levels. From that point, you can choose the right insurance provider for your current commercial needs and then update your policy in the future as your needs change.

Getting in touch with Paragon Independent Insurance Agency is the right choice if you’re in Plano, TX, and need commercial insurance. We can help you protect your products, customers, and company as a whole so you feel confident that you’re prepared for the future and can continue to focus on your business.

Auto Insurance: Comprehensive vs. Collision Coverage Explained

Posted on by AgentInsure

Comprehensive coverage and collision coverage are two primary protections found in many auto insurance policies. Here’s a breakdown of what each does.

Collision Coverage: Protecting Against Accidents

Collision coverage generally covers the cost of repairing or replacing your vehicle if you’re involved in a collision. A collision is usually defined as an accident involving at least one other vehicle. 

For example, the collision would likely cover damage to your vehicle if you struck another car while driving on one of Plano, TX’s streets. 

Comprehensive Coverage: Protecting Against Other Damage

Comprehensive coverage generally covers damage to your car from non-collision events. These could be theft, vandalism, natural disasters, and hitting animals. 

For instance, comprehensive would likely pay if your vehicle was damaged while parked on one of Plano, TX’s streets or if you hit an animal out in the country. You’d also probably file a comprehensive claim if your vehicle was damaged by hail.

Consider Both Coverages

Neither collision nor comprehensive is automatically included in every auto insurance policy, but each policy usually makes them available. 

At Paragon Independent Insurance Agency, we often recommend that you get both to ensure your car has the broadest protection against damage. Sometimes, it can make sense to skip one or both, though. Our agents will walk you through this decision process.

Set Up Your Auto Insurance

Setting up an auto insurance policy requires deciding which coverages, including these and others, are right for you. At Paragon Independent Insurance Agency, we can help with that. One of our independent agents will walk you through all coverage options and find a policy that provides the coverage you want.

Pay-Per-Mile Insurance: A Revolution in Auto Coverage

Posted on by AgentInsure

For decades, traditional auto insurance models based on fixed premiums have been the norm. However, with the advancement of technology and a growing emphasis on personalization and sustainability for lower rates, a new auto insurance model has emerged: pay-per-mile insurance. This innovative approach is revolutionizing auto coverage, offering benefits to both insurers and policyholders in and around the Plano, TX area. 

The Benefits for Policyholders

  1. Cost Savings: Pay-per-mile insurance can be significantly cheaper for infrequent drivers. If you’re not on the road often, you won’t be paying for coverage you don’t use.
  2. Environmental Impact: This model aligns with sustainability efforts by encouraging reduced driving and, consequently, decreased carbon emissions.
  3. Personalization: Pay-per-mile insurance is highly personalized. It considers how, when, and where you drive, allowing for a more accurate risk assessment.
  4. Incentive for Safe Driving: Knowing that your premium is tied to your driving habits can encourage safer driving behavior, potentially reducing accidents and claims.

The Benefits for Insurers

  1. Reduced Risk: With a pay-per-mile model, insurers typically cover vehicles that spend less time on the road, translating to fewer accidents and claims.
  2. Improved Customer Retention: Offering a unique and flexible insurance model can attract and retain customers looking for personalized and cost-effective coverage.
  3. Competitive Advantage: Insurers adopting this model can gain a competitive edge, especially among environmentally conscious consumers.

Challenges and Considerations

While pay-per-mile insurance has numerous benefits, it may not suit all drivers. Frequent or long-distance drivers might find this model less cost-effective than a traditional fixed premium policy. Additionally, the availability of pay-per-mile insurance may vary by location and insurer.

Paragon Independent Insurance Agency Can Help You

At Paragon Independent Insurance Agency, we can help answer questions concerning auto insurance. We serve the Plano, TX area. Contact us today. 

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