Tips When Shopping for Auto Insurance in Plano, TX

Whether you are buying car insurance for the first time or a seasoned car owner, you can always learn something about car insurance to ensure you don’t get a raw deal. At Paragon Independent Insurance Agency in Plano, TX, we have years of experience in car insurance, and here are tips you can rely upon before heading to the market:

Understand auto insurance coverages

To get a policy that satisfies your current needs, you need to learn about different coverage options. We are not saying you know all the options, but at least you know about the common ones. Understanding the different coverages ensures you buy only those that you need.

Do your research

Don’t rely on everything you hear — there are several myths surrounding car insurance, and they can easily cloud your judgment when shopping for a policy. Having the correct information helps you make an informed decision.

Make comparisons

Don’t always settle for the first quote you bump into. Compare quotes from several insurance companies. Price shouldn’t be the only decider. Compare the insurance features of different companies. And the good thing is you don’t have to do this all by yourself. Engage an independent insurance agent to give you quotes from various insurers.

Partner with a reputable insurance agent

When purchasing auto insurance, go for an independent and trusted insurance agent. Sometimes, figuring things out by yourself can be challenging, so you need someone to walk with you. A good insurance agent acts as your financial advisor, so don’t settle for one that isn’t up to the task.

Need to learn more about auto insurance in Plano, TX? Please get in touch with Paragon Independent Insurance Agency. We will analyze your insurance needs and recommend a car insurance policy that meets your budget and other needs.

4 Common Risks Not Covered by Standard Home Insurance Policy

The standard home insurance policy from Paragon Independent Insurance Agency covers you against multiple risks, but it has exclusions. It’s always a good idea to familiarize yourself with home insurance exclusions to avoid frustrations when filing a claim. Here are common risks not covered by your basic home insurance policy in Plano, TX.

Floods

Floods are ubiquitous in Texas, but home insurance doesn’t cover flooding. However, this doesn’t mean you can’t protect your home against floods. You can purchase stand-alone flood insurance from the National Flood Insurance Program (NFIP) or private carriers. Flood insurance covers your building structure and its contents when floods strike.

Earthquakes

Your basic home insurance policy doesn’t cover earthquakes, landslides, and other earth movements. Like floods, you can protect your home against these risks by purchasing an earthquake insurance add-on.

Sewer backup

If your sewer lines malfunction because of wear and tear, blockage, or any other cause, your home insurance won’t cover the resultant damage from internal flooding. Fortunately, you can purchase a sewer backup add-on to protect your home.

Normal wear and tear

If your home‘s paint has started chipping away, don’t run to your insurer because this isn’t likely to be covered. You should take care of your home to avoid wear and tear.

Pet and mold infestation

You should keep your home free from pests and mold like wear and tear. Otherwise, any damage from these risks isn’t likely to be covered by home insurance. Luckily, keeping your home dry and using an exterminator can help keep pests and mold away from your home.

Not sure what’s covered and not covered by your home insurance policy? Always refer to your policy document. And if still not sure, please get in touch with Paragon Independent Insurance Agency in Plano, TX for clarification.