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Paragon Independent Insurance Agencies, Inc

6305 Preston Road #1000
Plano, TX 75024

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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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