Insurance Blog | Paragon Independent Insurance Agencies

Does Commercial Insurance Cover Damage to My Commercial Property?

Posted on May 30, 2025May 14, 2025 by AgentInsure

If you own a business, securing commercial insurance is crucial. Commercial insurance can protect you from financial liability when a covered event occurs.

Paragon Independent Insurance Agency, serving Plano, TX, can help you find the right commercial insurance policy for your business. A good commercial insurance policy can benefit you in many ways. Here’s what you need to know.

Understanding Commercial Insurance

Commercial insurance is a type of insurance that covers businesses, including their employees, property, and ownership. Commercial insurance can protect you from financial liability when various events occur.

There are many types of commercial insurance, so choosing the type that meets your needs is important.

What Does Commercial Insurance Cover? Does It Cover Damage to Property?

What commercial insurance covers depends on the type of commercial insurance you have. Some types of commercial insurance do cover property damage. If you’re concerned about getting commercial insurance that covers damage to commercial property, consider commercial property insurance.

This type of insurance is designed for businesses with commercial property, such as a building, inventory, furniture, and equipment. If you’re interested in commercial property insurance, talk to the professionals at Paragon Independent Insurance Agency, serving Plano, TX. We work with many insurance carriers and can help you find the right commercial insurance product for your needs.

How to File a Claim

If you have commercial property insurance and need to file a claim for damage to your commercial property, start by contacting your insurance agent at Paragon Independent Insurance Agency, serving Plano, TX. We can assist you in initiating a claim with your commercial property insurance.

Need to file a claim or get commercial property insurance? Call us today to get started.

Coverage Options for Home Insurance

Posted on May 16, 2025May 14, 2025 by AgentInsure

If you’ve recently purchased a home in Texas, it’s crucial to protect your investment by securing a homeowners’ insurance policy. Many new homeowners are unsure about the amount of coverage they need and have questions about home insurance. If you’re near Plano, TX, our Paragon Independent Insurance Agency team is ready to answer your questions and provide peace of mind. We’ve been serving homeowners in your area since 1993.

Home Insurance Coverage Options

When you buy an insurance policy, it’s important to understand what your policy covers. According to the Texas Department of Insurance, most homeowners’ insurance policies cover fire, lightning, or explosion damage. Insurance typically covers damage to your home if a sudden release of water or smoke causes it. However, damages from a continuous release of water, such as a flood, are usually not covered. If your home is damaged by an airplane or a car, your policy will cover those damages.

According to the Texas Department of Insurance, damage will usually be covered if a hurricane damages your home. However, homeowners who live on the Gulf Coast are more at risk of damage from hurricanes or windstorms so that they would need a separate windstorm policy. Homes that are victims of vandalism, civil riots, or malicious mischief would be covered.

Schedule Your Appointment Today

New homeowners can explore all these options for homeowners’ insurance and discuss auto, boat, or health insurance with our team. At Paragon Independent Insurance Agency, our goal is to represent "Blue Chip" insurance companies because our clients deserve the best. Homeowners in Plano, TX, can discover the benefits of working with an independent insurance agent. Call our office for an appointment today, and let’s work together to get the coverage you need.

Auto Insurance is Still People-Driven in a Technology-Driven World

Posted on April 30, 2025April 11, 2025 by AgentInsure

Today’s automotive industry boasts a wider variety of vehicles and technological features. From SUVs to sedans, hybrids, and more, drivers have a plethora of choices when deciding what type of vehicle they want to drive. However, this also necessitates the need for appropriate insurance to safeguard you and your vehicle in case of an accident or mishap. This is why many drivers from the Plano, TX area rely on the professional team at Paragon Independent Insurance Agency for their auto insurance inquiries and requirements.

Auto Insurance Remains People-Centric in a Technology-Driven World

Indeed, vehicles are becoming smarter, and more safety features are now standard on vehicles than ever before. These advancements are positive indicators for drivers and road safety, but do not eliminate the possibility of accidents. Regardless of how much technology contributes to vehicle and driver safety, auto insurance still relies on intelligent and knowledgeable agents. For many drivers in Plano, TX, this means relying on the experienced and professional team at Paragon Independent Insurance Agency.

Auto Insurance Solutions for Drivers in the Plano, TX Area

Do you reside or drive in or around the greater Plano, TX area? Do you have questions about auto insurance or need coverage and protection for your vehicle? We can assist and offer the kind of personal attention and help that technology can’t provide. Contact our team for more information and schedule an appointment with our knowledgeable and helpful team at Paragon Independent Insurance Agency for the auto insurance solutions you need and deserve today.

Does Home Insurance Cover Burglary?

Posted on April 15, 2025April 11, 2025 by AgentInsure

Home insurance serves as a safety net when unforeseen circumstances occur. If your home has recently been burglarized and you have home insurance, you might wonder if your policy can assist in the recovery process.

The experts at Paragon Independent Insurance Agency, servicing Plano, TX, are ready to address your concerns and guide you through the claims process. Here’s what you need to understand.

Does Home Insurance Provide Coverage for Burglary?

While each home insurance policy differs, they typically provide coverage for burglary. If your home has been burglarized recently, your home insurance policy may cover the cost of repairing any damage caused by the burglars. It may also compensate for the replacement of stolen items.

What Steps Should I Take If My Home Is Burglarized?

If your home is burglarized, your immediate action should be to contact the police. After filing a report with them, reach out to your home insurance company to discuss the next steps in filing a claim. Your insurance company may require you to fill out certain forms. You will also need to interact with a claims adjuster to proceed with your claim.

Ensure you have photographs of the damage, as you may be asked to present them. Your insurance company may also request a copy of the police report you filed. If you have a home inventory, use it to identify any missing items.

Need assistance with filing a home insurance claim? The experts at Paragon Independent Insurance Agency, servicing Plano, TX, are here to help. Contact us today to initiate your home insurance claim related to your recent burglary.

Commercial Insurance Solutions for All Your Business Risks

Posted on March 28, 2025March 12, 2025 by AgentInsure

While no two businesses are the same, many face similar types of risks. Risk is an inherent part of the landscape for business owners across all industries. Those risks are also the primary reason business owners in the Plano, TX, area rely on the professional and experienced team at the Paragon Independent Insurance Agency for all their commercial insurance inquiries and concerns.

Commercial Insurance Solutions for Diverse Business Risks

Its type of work and industry typically dictates the risks that every business can potentially encounter. Although that means that some types of companies face greater or more serious risks than others, it doesn’t mean that every type of business doesn’t face potential risks and threats.

These differences also mean that the type of commercial insurance solutions one business might need could drastically differ from those another company may require. Because of these differences and each business owner’s specific needs, working with knowledgeable and reputable agents who can help address all your business risks and concerns is a good idea.

Commercial Insurance Solutions for Business Owners in Plano, TX

If you own a business in or around the Plano, TX area and would like to find out more about commercial insurance solutions for your business, we can assist. At the Paragon Independent Insurance Agency, we are here to help protect your business from all the risks it might face. Contact us to learn more and schedule an appointment with our professional and proven team at the Paragon Independent Insurance Agency today.

Home Insurance Solutions for All Your Home Insurance Needs

Posted on March 14, 2025March 12, 2025 by AgentInsure

Owning a home is a significant responsibility, from maintaining the house and property to managing repairs and damages—and that’s before we even discuss home security. Yes, there’s a lot that goes into owning a home, and that’s why homeowners in the Plano, TX, area rely on the professional and friendly team at the Paragon Independent Insurance Agency for all their home insurance needs.

Comprehensive Home Insurance Solutions

If you live in or around the Plano, TX, area, you appreciate the beauty, climate, and all Texas offers. However, you’re probably also familiar with storms, weather events, and other natural threats. While Plano has a lot to offer, it can also present several concerns for homeowners.

The expense of replacing a roof, siding, or porch is just a few examples of the different and substantial damages homeowners may experience. Fortunately, with the right home insurance solutions, homeowners don’t have to navigate these types of homeownership challenges alone. If you are a homeowner in the Plano, TX area or anywhere in the great state of Texas, you should consider working with knowledgeable agents who can help with your home insurance questions and concerns.

Home Insurance Solutions for Plano, TX Homeowners

If you’re a homeowner in or around the beautiful Plano, TX, area and have questions or would like to learn more about home insurance, we can assist you. Contact us today to learn more and schedule an appointment with our reputable and experienced team at the Paragon Independent Insurance Agency for all your home insurance needs.

How Do You Know What Commercial Insurance Products Your Business May Benefit From?

Posted on February 28, 2025February 11, 2025 by AgentInsure

Owning a business means taking on risks, but the right insurance coverage can help safeguard your hard work. At Paragon Independent Insurance Agency, we provide businesses in the greater Plano, TX area with various commercial insurance products. We understand that every company has different needs. So, how do you determine which commercial insurance products will best protect your business? Let’s break it down.

Identifying Your Business’s Key Risks

Different businesses face different challenges. Commercial auto insurance is essential if your company owns or operates vehicles—whether for deliveries, client visits, or transporting goods. It helps cover accidents, repairs, and liability claims, ensuring your business isn’t financially burdened by unexpected incidents.

Beyond vehicle coverage, you may also need general liability insurance, which protects against third-party claims for injuries or property damage during business operations. If you own a physical location, commercial property insurance can help protect your building, inventory, and equipment from fire, theft, or natural disasters.

Tailoring Insurance to Fit Your Business

Certain industries require specialized coverage. If you have employees, securing workers’ compensation insurance can provide financial support for medical bills and lost wages if a workplace injury occurs. Businesses that handle customer data should consider cyber liability insurance to protect against data breaches and cyber threats.

Protect Your Business with the Right Coverage

Selecting the right commercial insurance may seem overwhelming, but you don’t have to figure it out alone. At Paragon Independent Insurance Agency, serving the community in and around Plano, TX, we’re here to help you find the best policies tailored to your company’s needs. Contact us today to ensure your business is fully protected for the road ahead.

Do I Need More Insurance Coverage If I Have an Expensive Car?

Posted on February 14, 2025February 11, 2025 by AgentInsure

Protecting a high-end vehicle in Plano, TX, can help secure your overall investments. While luxury vehicles share the same concerns as lower-end vehicles, they may require provisions that specifically cover your costs. Paragon Independent Insurance Agency can help determine if you need additional coverage for your expensive vehicle.

Coverage Types You Need

Your luxury vehicle requires the same categories of coverage as those for lower-cost vehicles. You’ll pay for premiums covering liability, collision, comprehensive, and all the other major categories you would find in a standard auto insurance policy. Many insurers offer coverage to owners of high-end vehicles as well as those who own less expensive cars. You can customize a regular auto insurance policy with specific coverage for your high-end vehicle. While you can generally get coverage for a costly vehicle with a general auto insurance company, you can also obtain coverage with carriers specializing in high-end vehicles. These carriers make it easier for you to get a policy that meets your needs.

Coverage Categories to Consider

You may want to increase the amount for liability, collision, and other typical categories, but owning a high-end car comes with additional responsibilities. Consider these additional protections if you have a high-end vehicle:

New car replacement cost
Original parts replacement
GAP insurance coverage

Making Your Luxury Auto Insurance More Affordable

Consider various options to reduce your premium. Increasing your deductible is an easy way to lower costs. Bundling your auto coverage with home or renter insurance can substantially reduce costs. Theft deterrent devices are another route to lower premiums.

Finding an affordable luxury auto insurance policy is easy when you work with Paragon Independent Insurance Agency, serving Plano, TX. Contact us today to get started on your policy.

Can I Drive My New Car Off the Lot Without Auto Insurance?

Posted on January 31, 2025January 13, 2025 by AgentInsure

When buying a new car, one of the first tasks is to secure car insurance. You may have questions about car insurance requirements, especially when purchasing a new vehicle. The professionals at Paragon Independent Insurance Agency in Plano, TX, can provide the necessary information about car insurance. Here’s what you need to know.

Is Car Insurance Required for Driving?

Most states require car insurance for driving. Many dealerships also require proof of car insurance before you can drive the car off the lot.

Can You Buy a Car Without Car Insurance?

While you might be able to purchase a car without car insurance, you won’t be able to take it home until you’ve provided proof of a car insurance policy. If you’re buying a car with an auto loan, the lender will likely require proof of car insurance before funding the loan.

Typically, auto lenders require proof of full coverage of auto insurance. This type of insurance covers the cost to replace or repair the car in a variety of events, even if you’re at fault in a collision.

Looking for Car Insurance? Contact Us

If you need car insurance, consider working with the professionals at Paragon Independent Insurance Agency in Plano, TX. We collaborate with numerous insurance carriers and can help you find the right car insurance policy for your needs. We’re also happy to answer your questions as you decide between liability only, comprehensive coverage, and full coverage car insurance. Call us today.

Home Insurance Guide: Problems Arise After a Claim is Closed?

Posted on January 15, 2025January 13, 2025 by AgentInsure

Homeowners in the greater Plano, TX area face various potential threats, including falling trees, wind and hail, fires, and water damage. Many rely on home insurance solutions from teams like the Paragon Independent Insurance Agency to protect their homes from these risks. However, issues can arise even after the repairs have been made, the roof has been replaced, or the pipe has been fixed. These problems often occur long after the claim has been filed. Working with a proven and experienced agent can be beneficial in such situations.

What If a Problem Persists After the Claim is Closed?

Suppose you find yourself dealing with issues like a leaky roof during the first storm after repairs. In that case, you can still get help, even if your claim has been closed. While reopening a claim or handling these situations from the paperwork side can be time-consuming, your agent can address your post-repair problems. The first step is to initiate the process with your agent as soon as possible.

Home Insurance Solutions for Homeowners in the Plano, TX Area

This is one of many reasons why working with experienced and knowledgeable agents is crucial for all your home insurance needs. If you’re seeking home insurance solutions in the Plano, TX area, we’re here to help. Contact the Paragon Independent Insurance Agency today to learn more and schedule an appointment for the protection your home deserves.

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