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Paragon Independent Insurance Agencies, Inc

6305 Preston Road #1000
Plano, TX 75024

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Why You Need Home Insurance

Everyone who owns a home should protect it with home insurance. Having a home insurance policy is required by your lender. And if you have an HOA, it will be required by them, too. It’s essential always to have your home insurance in place to protect yourself. There are many risks that you face as a homeowner. It’s crucial to guard against them with home coverage. When you need a policy for your home, call us at Paragon Independent Insurance Agency in Plano, TX.

House Protection

The house itself is protected by home insurance. This pays for the damages done to the home by a covered incident like a calamity or disaster. When the home is damaged by one of these incidents, the repairs can be costly. That’s why it’s so important to have home insurance. It will pay for the repairs to your home. And if your home is destroyed, it can pay for it to be rebuilt. This gives you an enormous amount of protection against significant incidents that can damage a home. 

Other Protection

Another type of protection that you get from these policies is protection for everything in your home. All of your possessions inside your home are covered against many different risks. When things get damaged by a covered event, the policy will pay to replace those items. All of your possessions add up to an enormous amount of value. If you had to replace everything on your own, it would not be easy to afford. Home insurance also protects you against your liability at home. If someone got injured in your home, the policy would pay for the medical bills that you owe. 

Get Home Insurance 

If you own a home, you need to have home insurance. Call us at Paragon Independent Insurance Agency in Plano, TX.

Required Auto Insurance in Texas

If you are a driver in Texas, your vehicle has to be covered by auto insurance. Different types of coverage are required to be in your auto policy. Each of them protects you in a specific way against specific risks. If you don’t have auto insurance for your vehicle, you could face hefty fees and fines and may get other punishments as well. It’s important to get auto insurance and keep it the entire time you own your vehicle. Call us at Paragon Independent Insurance Agency in Plano, TX to get your auto insurance.

Bodily Injury Liability

This type of coverage is required to be in your policy. This protects you financially if you cause an accident that results in someone else being injured. There are two amounts of this coverage that have to be in the policy. These amounts are the minimums that must be in them, but you can add to the amount you get in your policy to be better protected. There is one amount required for a single person injured in the accident and another amount for everyone injured in it. These amounts pay for the medical bills and other expenses caused by the accident. Some lenders require you to have more than the mandated minimum amount of coverage. 

Property Damage Liability

There is one amount required for this coverage as well. This type of coverage pays for the damages caused by your vehicle to someone else’s property. This may include the other vehicle and things like landscaping and damaged buildings. This type of coverage is highly important to protect you financially.

Get Auto Insurance 

If you don’t have your auto policy yet, call us today at Paragon Independent Insurance Agency in Plano, TX.

Does Home Insurance Cover You Against Wild Animal Damage?

Homeowners need protection from various risks, sometimes including damage incurred by wildlife. If you are currently in the market for quality home insurance, you can trust the experts at Paragon Independent Insurance Agency, proudly serving the residents in the Plano, TX, area. 

Wild Animal Damage

Sometimes the unexpected happens, such as wild animals damaging your home. Securing home insurance that provides some protection from loss is the best solution. It’s important to note that not all damage to wildlife may be covered. Generally, damage from larger wild animals is covered rather than that from small rodents or other pests. For example, if a bear entered your home and caused structural damage, your insurance would likely cover the loss. 

Before choosing your insurance policy, please consult with one of our insurance professionals, who can provide details regarding terms and conditions. They can work with you to secure the right level of home insurance and go over the fine print to help you be an informed consumer. 

We take pride in providing exceptional customer service and want to help you get the best coverage to provide you with reassurance that you’ll be covered if the unexpected occurs. We also offer support after the policy is secured. 

Reach Out Today

Homeowners in the market for quality insurance products can rely on Paragon Independent Insurance Agency to offer them peace of mind. Residents in and around the Plano, TX, area should call or stop by our office to schedule a consultation with an insurance agent today. We can provide one-on-one personalized service to help you meet all of your insurance needs so you can protect the important things. 

Beyond the Policy: How Commercial Insurance Can Help Your Business Thrive

Having the right policies and plans is critical for success as a business owner. At Paragon Independent Insurance Agency, serving the Plano, TX area, we understand this commitment to protecting your business and prioritize helping our clients ensure their enterprises are adequately insured. Commercial insurance can provide an extra layer of protection from potential risks and protect business owners’ livelihoods.

Protecting Your Business

Having the right commercial insurance policies in place will help to protect your assets, employees, and customers. From general liability coverage and property damage insurance to workers’ compensation insurance, various types of policies can be tailored to meet the needs of your specific business. With the right combination of coverage in place, you can rest assured that your business is protected from potential financial losses due to unforeseen events such as customer injuries or lawsuits.

Building Credibility and Trust

Proper commercial insurance signals trustworthiness and credibility to current and potential clients. It allows them to feel secure knowing that their interests are being safeguarded and that you’re taking the appropriate steps to help protect their assets. This can go a long way in helping your business find success, as it builds customer confidence while allowing you to focus on what matters most – running your business.

Expanding Your Business

Sufficient commercial insurance coverage can also help support your plans for future growth. As your Plano, TX company expands, certain types of coverage may need to be updated or added depending on the size and scope of operations. Having an experienced team at Paragon Independent Insurance Agency will ensure you have the protection you need as your business grows and matures.

The Bottom Line

At Paragon Independent Insurance Agency, we understand how important proper insurance is for businesses and are committed to helping our clients ensure that their operations are adequately covered. Commercial insurance can help set the foundation for a successful future, from protecting your business to building trust and credibility. Contact us today to learn more about how our policies can help protect your business and thrive.

How do auto insurance companies assess my risk?

Insurance companies are all about assessing risk. When you purchase car insurance, the company considers various factors in determining how much of a risk you pose and what your premium should be. Paragon Independent Insurance Agency explains how auto insurance companies assess risk and why it’s crucial for Plano, TX, drivers to understand this process. 

Factors Used to Assess Risk 

Auto insurance companies use two main factors when they evaluate an applicant’s risk level: personal information and driving history. Personal information includes age, gender, marital status, credit score, residential address (location), and occupation. Driving history includes accidents or moving violations reported to the Department of Motor Vehicles (DMV). Texas also allows insurers to consider prior insurance coverage when assessing risk levels. 

These factors are so important because they give the insurer insight into how likely you are to file a claim in the future. For instance, younger drivers tend to be more prone to accidents due to their lack of road experience—which is reflected in higher premiums. Similarly, individuals with bad credit scores may also be deemed high-risk applicants since studies have shown that people with low credit scores tend to file more claims than those with good ones. 

Contact Us Today

Auto insurance companies use various factors when determining an applicant’s risk level—from personal information and driving history to discounts or special programs that can help lower premium costs. Understanding this assessment process can help Plano, TX residents get the best possible coverage at the most affordable rate from their chosen insurer. Contact Paragon Independent Insurance Agency today to learn more about auto insurance policies and how they can protect you on the road! We’re ready to answer all your questions and find the right policy for your needs!

Biggest Safety Risks In The Workplace

You can’t afford to ignore workplace safety if you are a business owner. If employees get injured on the job, it could add to serious liability for you and your company. At Paragon Independent Insurance Agency, serving Plano, TX, we want to help business owners avoid these types of liabilities. Keep reading to learn about the most significant safety risks in the workplace. 

Falls From Heights 

If you have employees working at heights, you have an increased risk of injury from falls. Not only does this type of injury pose a big threat to the workplace, but falls from heights are usually very injurious. Victims of these types of injuries are often seriously injured and require an extended recovery time. Be sure you comply with all safety measures for employees working at heights and that everyone working at heights is properly trained. 

Machinery Injuries 

If your employees are frequently operating machinery, they are at increased risk of injury by machinery or machinery malfunction. Many machinery injuries take place because employees are not adequately trained before being allowed to operate the machinery. It is your responsibility as the employer to ensure that all employees are appropriately trained for any machinery they operate. 

Electrical Injuries 

Electrical injuries are also a big threat depending on the type of workplace. If employees must interact with electricity, it is imperative that they are adequately trained and certified to be doing such work. Remember, if they get injured, you are liable. 

If you would like to learn about commercial insurance or liability insurance, please get in touch with us at Paragon Independent Insurance Agency, serving Plano, TX.  

Don’t Drive Illegally – Get Auto Insurance

The Paragon Independent Insurance Agency, serving Plano, TX, and the surrounding area, can provide this important coverage. Why should you have this protection?

Car insurance offers financial protection.

Insurance is vital for anyone wanting to protect their family, property, assets, and themselves from any financial loss or risk. If you are at fault in an auto accident, you could be held responsible for any expenses associated with the accident. This includes legal fees, the injured party’s medical expenses, or their lost wages if their injuries keep them from resuming their employment. Liability coverage helps pay for these expenses.

An auto insurance plan will help pay for a medical emergency, hospitalization, illnesses and treatment, and any medical care required in the future.

One of the most important aspects of car insurance is that it needs to meet your state’s minimum liability and property damage limits. You need to have car insurance to keep your driving privileges. Without this coverage, you risk being fined or losing your driver’s license.

Before purchasing insurance, there are some things to consider.

  • Your budget
  • The coverage you need
  • The type of automobile you drive
  • Driving record
  • Your credit score
  • The state you reside in
  • Any possible discounts you could qualify for

A good insurance policy can help with car repairs, towing, replacement, and covering the costs of damage to other drivers’ vehicles. The insurance company will help manage the process and offer support when a claim is made.

If you plan on purchasing or driving a car, ensure you have the insurance required to drive legally. It will protect you from financial loss if an accident occurs.

The Paragon Independent Insurance Agency can provide you with a no-obligation quote or answer any questions. Contact our office today. You will be glad you did.

Does a Standard Home Insurance Policy Cover High Winds in Plano, TX?

Severe weather can cause significant damage to homes and other property. Regarding windstorms in Plano, there is no guarantee that your standard home insurance policy will cover the cost of repairs. Depending on your policy’s language and the storm’s severity, you may need additional coverage to protect your home from high winds. Let’s look at what you should know about windstorm coverage in Plano and why it’s essential to understand what is covered—and what isn’t. 

What Exactly Is Windstorm Insurance? 

Windstorm insurance provides additional protection for homeowners who live in areas prone to high winds, such as hurricanes, tornadoes, and thunderstorms. This insurance covers damage caused by wind, hail, lightning strikes, or debris from these events. It typically covers damage to roofs, windows, doors, fences, patios, and garages—all of which can be costly to repair or replace after a severe storm hits. Paragon Independent Insurance Agency can review your home insurance policy and help you determine if windstorm coverage is right for you. 

Does a Standard Home Insurance Policy Cover High Winds in Plano, TX? 

The answer is not always clear-cut. Instead, it depends on the language of your policy and the severity of the storm that caused the damage. Generally, windstorm insurance policies are separate from regular homeowners’ insurance policies. So, even if you have homeowner’s insurance covering some storm damage (like water intrusion due to rain), it will likely not cover all types of storms, such as those involving high winds or hail, and as such, purchasing an additional windstorm policy can provide extra protection for your home against severe storms in Plano, TX. 

If you have questions about whether your standard home insurance policy covers high winds in Plano, TX, or whether additional coverage is necessary for your specific situation, contact Paragon Independent Insurance Agency today for more information.

Does My Home Insurance Policy Cover Items in my Yard?

Many homeowners are uncertain about what their home insurance policies cover. One common concern is whether a home insurance policy covers items outside the home, such as furniture and equipment. To help answer this question and provide peace of mind for Plano, TX residents, let’s look at what you need to know about home insurance and items in your yard. 

What Is Covered? 

Most standard home insurance policies cover the structure of your property—including any permanent structures like fences or sheds—and the contents within your home. This means that your home insurance policy will cover any furniture, electronics, and other items inside the house from losses because of theft or vandalism. However, coverage may vary depending on your policy.

What Isn’t Covered? 

Items that aren’t considered part of your structure, such as unsecured furniture, sporting equipment, and other belongings left outdoors, can be damaged by severe weather, vandalism, or theft. Because it does not protect these items against these risks under the standard policy, you may need additional coverage to protect them in an emergency. Check with Paragon Independent Insurance Agency to see if additional coverage suits you. 

What Can You Do To Protect Your Items? 

Invest in covers and locks for your belongings to keep your outdoor items safe from weather-related damage and theft while still enjoying them while they’re in use outdoors. Also, storing anything valuable indoors is always a good idea to keep it safe during inclement weather, which is common in Plano, TX.

The best way to know precisely what it covers under your current policy is to talk with an experienced insurance agent. Contact us today to learn more! At Paragon Independent Insurance Agency, we can help you review all the details of your existing policy and discuss options for increasing coverage if needed.

Benefits of Having Commercial Insurance

As a business owner, you should understand how vital commercial insurance is. Business insurance aims to protect from common losses like theft, property damage, employee injury, and others. If you have proper commercial insurance, it will be easier for you to recover from any of these losses. Here is a list of the most common benefits of business insurance you should know about:

What Are The Benefits Of Commercial Insurance?

The list of benefits includes the following:

  • It helps a business get up and running. One of the most crucial roles of business insurance is to help a business survive a disaster by protecting against loss of income. 
  • It protects your employees. Another purpose of business insurance is to protect your employees in an accident. According to the law, as a business owner, you must carry workers’ compensation that benefits employees injured at the workplace. 
  • It gives you peace of mind. Having a business is unpredictable, and you never know what can happen. No one can guarantee that such unfortunate things as natural disasters, lawsuits, or injuries will not happen. Therefore, it is worth having commercial insurance for your peace of mind. 

Paragon Independent Insurance Agency – Insurance Company in Plano, TX That You Can Trust

Are you a business owner in Plano, TX, and considering getting commercial coverage to protect your business, yourself, and your employees? Paragon Independent Insurance Agency is the company you should contact. We specialize in different types of insurance, including commercial insurance as well. Our qualified and experienced insurance agents are ready to answer your questions and help you find a perfect insurance plan based on your needs and budget. Do not hesitate to give us a call for more information. 

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