Why You May Need Better Auto Insurance Coverage in Plano

Just like life, auto insurance seems to come with a never-ending array of options. Sometimes people think of the extras as nothing but a way for insurance companies to make more money, but the truth is that better coverage is more often worth it than not. Paragon Independent Insurance Agency wants you to know more about why you should consider strengthening your coverage. 

Accidents Are Expensive 

Let’s say you’re carrying around some expensive photography equipment when you accidentally hit a car in another lane. You have custom rims on your car and your equipment is damaged in the crash. The other person claims they have whiplash, and the side of their car is fairly smashed up. All of these bills for repairs will add up quickly, not to mention the loss of the equipment you’re carrying. If you only have the minimum, you would be required by law to pay any extra damage costs. Extended auto coverage will not only help cover the other person, but it can also stop you from having to make extremely expensive replacements yourself.  

You May Not Have the Right Partner 

Paragon Independent Insurance Agency serves the people of Plano, TX and does not want them to feel blindsided should something happen to their car, either on the road or off. Liability won’t cover any repairs to your own car if you’re in an accident, nor will it help you if it’s stolen. Before you put yourself in that situation, consider calling us to talk about how you can get better coverage in case something happens. If you’re in Plano, TX you owe it to yourself to protect what you have. Contact us for more information, or to get a quote for your vehicle. 

Fall Preparation for Winter

Fall is a terrific time to do some routine maintenance and yard work to get ready for the winter season. It is always nice to start early before the pressures of the holidays begin. As part of your fall checklist, be sure to ask your insurance agent at Paragon Independent Insurance Agency to review home insurance for adequate coverage.

Fall Checklist:

  • Change the Furnace Filter – Using a HEPA filter is best. The filter needs cleaning and/or changing once per month during winter for the most efficient furnace operations that save money on energy bills.
  • Air-Conditioning Units – Drain any water, clean, and store any window units or cover them. Drain water, clean, and cover external central air-conditioning units.
  • Irrigation Systems – Turn off the water supply and drain irrigation systems. Drain garden hoses and put them in storage.
  • Reverse the Direction of Ceiling Fans – Switching the spin direction of any ceiling fans to a clockwise direction brings the warm air down from the ceiling to make the room warmer.
  • Block Drafts – Check weather stripping and use caulking around windows and doors to prevent heat loss from leaks.
  • Insulate Pipes – Make sure all water pipes have proper insulation to avoid damage from water freezing in them.
  • Air Ducts – Have them professionally cleaned and checked for any leaks that cause heat loss.
  • Landscaping – Trim bushes and trees, especially ones that are near the home to prevent damage to the house from falling branches during storms.
  • Storm Windows – Use storm windows to protect from damage during any high winds or thunderstorms.
  • Lightning Rod – Install a lightning rod to attract lightning strikes away from hitting the home during thunderstorms.
  • Emergency Preparedness – Check smoke alarms. Have an emergency kit ready and refilled with any items needed.

This fall checklist will help you get your home ready for winter, so you can have a safe, enjoyable holiday season.