Decorating Your Home With Safety in Mind

At Paragon Independent Insurance Agencies, we serve Plano, TX and the surrounding region to provide a solution for auto, home and business insurance. Our agents not only help you find a policy suited to your specific needs, our agents also assist in keeping you safe on the road and in your home. A few simple tips can protect your home and your family.  

1. Keep Open Paths

Make sure you keep open spaces throughout all areas of your home, so you’re able to move around and escaped in the event of a fire or other emergency. You want to eliminate any possible issues that could slow down the ability of you and your family to get out of your home. Leave space in between your furniture, so you’re able to move around it without any hesitation.  

2. Declutter

Clutter isn’t just unsightly. It’s a huge fire hazard, especially if you have clutter near registers or heaters. Keep in mind, if you have rooms filled with your possessions, especially if it’s stacked, and your home should happen to catch flame, rooms filled with clutter burn quicker and typically hotter. 

3. Fireplace Decorating

While fireplaces provide your home with warmth and give the room a certain ambiance, they’re also fire hazards. When you decorate the mantel, always make sure anything you place there is sturdy and won’t move. Avoid draping anything from the mantel. 

4. Pet and Baby Proof

It’s important to keep candles where kids and pets can’t reach. Always use plug protectors to avoid your child sticking anything in them. 

To learn more ways to decorate your home with safety in mind or to receive a quote for homeowner’s insurance to further protect your home, contact Paragon Independent Insurance Agencies, serving Plano, TX and the surrounding region, by calling 972-473-4813. 

Is My Pool Covered under My Homeowner’s Insurance Policy?

The standard homeowner’s insurance policy provided by Paragon Independent Insurance Agency in Plano, TX will cover any loss resulting from lightning, fire, hail, wind, theft, riot, smoke damage, explosion and vandalism. 

In most cases, damage that occurs to in-ground pools, which consists of cracking due to the movement of the ground or maintenance issues, will not be covered by a typical homeowner’s policy. 

The Problem of Damaged Pools 

The summer in Texas is often dry and hot. As a result, more and more pools are suffering cracks because of the movement of the ground. This can lead to serious issues for homeowners. Unfortunately, if a traditional homeowner’s policy has been purchased, these issues such as these are not going to be covered, which leaves the homeowner have to pay out of pocket for the necessary repairs.

Are Any Damages or Issues Covered?  

There is a silver-lining. If the damage to the pool occurred due to frozen pipes, vandalism, theft or lightning, then they will be covered by the majority of home insurance policies. It is important to determine the cause of the damage to know whether or not the insurance policy will cover it. 

Contact the Insurance Company 

Whenever a homeowner notices any type of damage to their home or anything on their property, they should contact their insurance company to file a claim right away. An adjuster will come to the property to take photos and write a report about what the issue is. If the damage is covered according to the terms of the policy, then a homeowner will receive a check. If not, they will have to reconsider their policy to determine if changes need to be made to prevent issues down the road. 

More information about what is and is not covered by a homeowner’s insurance policy can be found by contacting the staff of Paragon Independent Insurance Agency serving Plano, TX. 

 

Do Home Insurance Policies Cover Firearms?

As firearms are considered personal property, they’re generally covered by standard home insurance, up to the limits of your property coverage. If you have a valuable collection of guns, this limit may not be enough. At Paragon Independent Insurance Agency, we encourage you to consider the following aspects when insuring firearms in your home:

Replacement Cost

Expensive firearms or gun collections can be costly to replace. If they’re stolen, damaged or lost, property limits on your home insurance may be insufficient to cover replacement costs. This leaves you responsible for paying the remainder of their value, after subtracting your deductible. By taking out an insurance rider on expensive firearms, you stand a better chance of recuperating their loss.

Liability Coverage

If a visitor suffers injuries due to a firearm accident on your Plano, TX property, your liability insurance will cover medical costs up to the limits of your policy. Many home policies have a liability limit of $100,000 for firearm injuries, which may fall short if injuries are severe or result in death.  

It’s also important to note that liability coverage only protects visitors from firearm accidents in your home; it won’t cover you or members of your household. If you or a member of your household gets hurt in a firearm accident on your property, you or your household member will be responsible for medical costs.

Intentional firearm shootings that cause injuries or death on your property are NOT covered under your liability coverage.

Supplemental Insurance

Supplemental gun insurance can protect you against firearm accidents where medical costs extend beyond the limits of your home insurance policy. You can obtain supplemental liability coverage for as much as $1,000,000 or more.

To learn more about firearm protection under home insurance policies, talk to one of our agents at Paragon Independent Insurance Agency, Plano, TX.   

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 home Insurance cover Basic home Repairs?

For the most part, home insurance is a major benefit that helps homeowner’s determine how much your policy covers and how much is left to chance. For those that have a policy and are wondering if it covers basic home repairs, keep reading. For those in the Plano, TX area, the agents with Paragon Independent Insurance Agency can help you to determine just what your policy covers.

The majority of policies are only going to cover damage that is not routine. This means that they are not going to cover age related issues, not going to cover things like damage that is related to normal wear and tear and more. For the most part, home insurance policies are simply in place to prevent the deterioration of the home as the result of any major damage that is out of the ordinary. This means things like damage from storms, fire, water damage from burst pipes, damage from pets, and even injury to people that are in your home.

The idea behind this is that you should be maintaining your home on a day to day basis as a homeowner and should not need a policy to cover the repair of daily issues. As something in your home ages, you should replace it before it becomes a huge issue so that the home will maintain its value and so that you can keep the home in good shape. Most policies are only going to cover things that are out of the control of the homeowner. This means things that you cannot prevent with routine and regular maintenance that you would provide your home simply because you own it and live in it.

For those in the Plano, TX area, the agents with Independent Insurance Agency can help.  

Time and Punishment: When to Change Your Home Insurance Policy

As time goes by, homeowners have a tendency to get comfortable in their daily routines. Most days nothing goes wrong, and it may start to feel like every day will be full of fairly predictable events. But that’s not the way life works. Over time, things can happen to your home that you may not even notice at first, or major events may occur with no notice at all. Find out more about when to change your home insurance in Plano, TX with these tips from Paragon Independent Insurance Agency. 

Shifts, Purchases, and Remodeling 

Your home is constantly changing. Foundations may shift, the mold may build up in the basement, and trees may start to lean with the weather. Or you may change your home to fit your aesthetic tastes. Whether that’s by bringing in an expensive piece of art to put in your living room or by installing recessed lighting into your kitchen ceiling, you’re improving the value of your home. Regardless of whether or not the change is for the good or the bad, you want to make sure that your policy is there to help you when you need it most. If you have expensive repairs or replacements after a storm or a vandal visits your home, do you know how you’ll pay for it all? If not, it’s time to talk to Paragon Independent Insurance Agency. 

It’s Our Job 

This is what we do to help Plano, TX stay safe. We help you change and update your insurance policy as you need to, and we make it easy to understand why you’re doing it in the first place. To find out more about our mission, give us a call today if you’re looking to get a makeover on your current policy. 

Home Appliances You Should Consider Insuring

Home insurance is more than just protecting the structure of the house. It is also about protecting what is inside. This includes appliances and technology. These are some of the more expensive items within the home and, in the event of a fire, you can’t easily pick up and run outside with. At Paragon Independent Insurance Agency, we want to make sure your Plano, TX home is properly insured, including your valuables and appliances. 

Washer and Dryer

Beyond just potential loss in a fire, washers and dryers often experience the most trouble in terms of needing repairs. From the moving parts to the electrical, gas and water connections, few appliances are susceptible to the kinds of problems as these two devices. 

New Water Heater

A water heater isn’t always extremely expensive. Your brand new television likely costs more than a traditional tank water heater. However, if you invested in a tankless water heater you not only invested into your home but you decided to go green with the purchase. A tankless water heater will save you money over time, but the upfront sticker price is high. In the event of a major electrical surge or a home fire, this is an expensive item to replace, so consider insuring it. 

Entertainment System

While not a traditional appliance, your home entertainment system may be worth thousands of dollars (if not more). These are also top targets during a break in. Due to this, consider insuring the entertainment system in your home.

Each individual is different and every home is different. At Paragon Independent Insurance Agency we know this, that is why we prefer to sit down with every home owner in order to discuss the right kind of insurance for their individual needs. Whether you live in Plano, TX or the surrounding area, you need to consider insuring these different appliances, in addition to other appliances you have invested your time and money in. 

Will Adding an Extra Bathroom Add Value to Your Home?

Buying a home is one of the smartest investment choices you can ever make. From having a roof over your head that you can call your own to knowing you can sell the home and possibly make money on it, there are many reasons to invest your money in a home purchase. Many people buy a home with the sole intention of being able to sell it one day and make money on it or to use it as a form of collateral to take out a loan. No matter your reason for purchasing a home, it is imperative that you be aware of ways to increase its value. One such way is by adding on an extra bathroom. Here is a close look at two reasons adding a bathroom onto your house can add to its overall value. 

Reason #1: It adds living space to your home

First of all, the larger the home, the more the living space, the more value it will have. Adding on a bathroom to your home is one of the simplest ways to add value to it. And thankfully, bathrooms tend to not be extremely large rooms in a home, making them rather inexpensive to add on. 

Reason #2: It adds convenience to the home

Another reason that adding on a bathroom to your home will add to its value is because it gives the house more convenience. Whether it be residents of the home or guests, having an extra bathroom can be of the utmost value, especially if there is only one other bathroom in the house. 

To learn more about adding value to your home and about home insurance, contact Paragon Independent Insurance Agency serving the Plano, TX area. 

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.

How do Homeowners Associations Impact Home Insurance?

Residents in Plano, TX often live in a neighborhood with a homeowners association. These associations often provide important functions, such as managing maintenance costs of pools and golf courses in addition to keeping the neighborhood streets and greenery areas in pristine condition. On the other hand, these associations can also be headaches when it comes to maintaining a house or keeping up with dues. How does the presence of a homeowners association impact potential home insurance rates? These details are important to understand. Paragon Insurance has some of these details below.

The first step to deciding how home insurance is impacted by a homeowners association is to consider the type of insurance the homeowners association provides. When people pay their dues, they frequently also gain some coverage under the homeowners association. Ask the association for the by-laws that give key details as to what is covered by the insurance policy. Therefore, a homeowners association insurance impacts home insurance by covering some portions of the home up front. Find the gaps that need to be covered by the additional home insurance policy and don’t have redundant coverage.

Once the gaps have been protected, it is time to start shopping. Common gaps in homeowners association insurance include personal belongings. These include furniture and electronics that are expensive and should be covered. Identify the gaps in dwelling coverage that need to be covered under that additional home insurance policy. Homeowners associations heavily impact the way that people shop for home insurance.

Overall, homeowners associations should cover some home insurance in their by-laws and dues up front. This means that residents should ultimately end up paying less for a private home insurance policy. This cost between this additional policy and the homeowners association policy usually end up being comparable to the cost of covering a home entirely without a homeowners association.

For people in Plano, TX thinking of purchasing a home, consider how the presence of a homeowners association will change the home insurance rates. Contact Paragon Insurance with any questions today.