Things to Consider Before Purchasing Home Insurance

Home insurance is a very important thing to have if you want to protect one of the biggest purchases of your life. While it is not a requirement by law to have one in Plano, TX, it is still a good thing to have. These are just a few things from Paragon Independent Insurance Agency you will want to consider before purchasing home insurance.

  1. Make sure your policy covers 100% of the replacement cost. You do not want to skimp on your home insurance. You should always make sure that your policy coverage the total value of your home in case something happens and you have to rebuild from scratch. 
  2. Look for liability coverage. Making sure that you are protected in terms of replacement is one thing but you also want to have liability coverage. This is good to have especially if you want to protect yourself from any liability of anything that happens on your property. This would include a landscaper getting injured on the job or even a friend or family member who does the same. If they try to sue you, your liability coverage will kick in. 
  3. Look for gaps in coverage. Home insurance policies are not all the same and you want to make sure you have complete coverage. Look for things like flood coverage or other things that may not be included. Have them added if possible or look for other policies to take care of these gaps. 

Your home is likely the biggest purchase you will ever make in your life and because of this, it is important to ensure that it is protected no matter what. Home insurance can do that for you and if you are interested in learning more, contact Paragon Independent Insurance Agency serving Plano, TX.

Does Auto Insurance Cover Non-Accident Related Injury?

Driving a car can be one of the biggest thrills of your life, but it can also be one of the most dangerous things you can do. For many, it is difficult to decide what type of coverage you need and it may also be difficult to understand just what your auto policy covers. For those living in the Plano, TX area, the agents with Paragon Independent Insurance Agency can help answer all your questions.

Does auto insurance cover non-accident related injury is the question. In some ways it does, in others no. It all depends on how you define an accident. If you strike a pedestrian it will cover the cost of their medical bills, for some, this might not be considered an accident because only one car was involved.  Will your car insurance cover you tripping and breaking your arm getting out of your car, probably not.

Car insurance policies are put in place to protect drivers from other drivers. They are made to help give you the coverage that you need to recover from a car accident should you have to deal with one. They are put in place not to protect you from yourself, but to make sure that if you are in an accident, no one is left with a huge number of bills that they simply cannot pay. For those that do have medical bills that are associated with their car but not with an accident, you are likely going to have a very hard time getting any insurance company to pay out.

For those in the Plano, TX area, the agents with Paragon Independent Insurance Agency can help you find the policy you need and figure out just what it covers quickly and easily no matter what.