Renting a property does not mean that you have no financial responsibilities. Although you are not responsible to handle the cost of the structure or building if it is damaged in a fire or disaster, you are still responsible to handle the cost of your personal belongings. Renters insurance can help protect you from financial challenges when you lose personal belongings or face challenges associated with liability risks.

Narrow Down the Choices

The first step of finding an affordable rate is narrowing down the coverage that you need to protect your property and assets. Depending on the plan that you are considering, you will want to evaluate how much coverage is provided and determine if it is appropriate for your goals.

Keep in mind that you can cover your personal belongings, protect against liability risks and even obtain coverage to pay for your temporary living expenses if your rented space is not livable. Additional coverage that may be available can vary.

Compare the Options

Never assume that a particular plan is affordable or reasonable without comparing your options. Look at several plans so that you can ensure that you are getting the best rate. If you are concerned about the options, then talk to an agent. An agent can help you find the best rates based on your situation, goals and needs. You can even set a strict budget so that the agent only provides plans that are affordable and budget-friendly.

There are ways to find affordable rates on coverage for a rented space. The key is focusing on your options and comparing the plans so that you can find the rate that is best for your needs. To learn more about the options that are available, contact us to talk to an agent today.

If you are the owner of a business in the Irving, TX area, you will need to have insurance coverage that is created specifically for companies like yours. Your commercial coverage will encompass several different things, and it might vary according to the specific needs of your business. Here are the usual inclusions in commercial policies in Texas.

Commercial General Liability Coverage

Commercial general liability covers your company in relation to lawsuits and claims. This will apply to situations in which people file claims after being hurt on your company property. It will also apply to circumstances in which people file claims when they are hurt by something your company releases (for example if you make a certain type of product that is sold to the general public and someone claims damages from said product.

Commercial Property Coverage

Commercial property coverage protects the building or buildings in which you do business. This is similar to the homeowner’s coverage that you will typically have for your home. If the building itself, or anything inside that building, is damaged due to perils specifically outlined in the policy, your commercial property coverage will pay for the repairs or replacements necessary.

Workers Compensation Coverage

Workers Compensation coverage is often included in a commercial insurance policy if you have employees. As long as you have at least one employee working under you, you are an employer who could therefore be held liable for injuries sustained by your employee. Workers Compensation coverage helps protect both you and the employee by paying their eligible medical bills related to the on the job injury.

Don’t get caught without the level of commercial insurance coverage your company needs. Instead, easily compare quotes with one of our Paragon Independent Insurance Agencies representatives to find out what options you have available. We will help you protect your company and your employees to the fullest degree possible!

Riding a motorcycle can be exciting and interesting, but it is also important to comply with the state laws regarding insurance protection. The motorcycle insurance that you need to purchase in University Park, TX can help prevent financial challenges when you get into an accident and damage the property of another individual.

State Requirements

The requirements that are set by the state are the minimum standards that you must follow as the individual who is riding a motorcycle. You are required to purchase liability insurance for every motorcycle that you own.

Additional coverage is optional, but generally you should consider coverage that addresses any particular concerns that you may have related to riding a motorcycle. Collision coverage or even a comprehensive plan can be an important part of maintaining your peace of mind when you are riding a motorcycle and have concerns regarding the risk.

Coverage on the Bike

Generally, the coverage on a motorcycle will go with the bike unless the individual riding it is excluded from the policy. This means that if you are borrowing a motorcycle from a friend, then you will be able to use their protection and policy whenever an accident occurs. When a friend or loved one borrows your motorcycle, they can feel confident that coverage will still apply if they get into an accident.

The specific coverage that you purchase will impact your options, so you will want to compare different policies to find the best rates and the best plans.

Keeping your motorcycle and other drivers safe when you are riding can require the right insurance policy. The plan that is best for your goals can vary, so compare several policies before finalizing a plan. To learn more about your options, contact us to talk to an agent today.

Owning a small business in Texas can mean that you have a variety of concerns and plans associated with your company. The problem is that you may need to purchase insurance for your company to grow and thrive. Depending on the type of business that you own and the industry that you serve, the type of coverage and policies that you need to consider may vary. Insurance agents can help you find the right plans based on your company so that you can focus on growing and improving.

Giving Advice

The first reason to work with insurance agents when you are looking for coverage is the advice. An agent will listen to your explanation of the situation and the goals that you have set. After you have explained the basics of your business, an agent can then provide suggestions for the coverage that may be appropriate for your specific situation.

Comparing Your Options

Agents work to provide the coverage that you need by offering a variety of options. When an agent makes a recommendation, you can feel confident that it is appropriate for your goals and plans.

Comparing several plans without wasting time can be essential for any business owner. You do not have the time to contact several companies, ask for quotes and compare plans personally. Delegating the task to an agent and then comparing the best results that an agent has made available for your business will save time and ensure that you are getting the best value.

There are a variety of concerns associated with running a business. Finding the right insurance to protect your company is essential so that you are not facing financial challenges. To learn more about your options and coverage that is available, contact us to talk to an agent.

Thanks to its low crime rate, the city of Plano, TX stands out as one of the safest cities not just in the state, but also in the nation. Nevertheless, vehicle vandalism can happen anywhere and at any time. Even in places you might think are safe and secure, your car could easily become subject to vandalism.

Vehicle vandalism commonly happens in parking lots and other areas where cars are often left unattended. Despite your vehicle being left on a business’s property, it’s not liable for any damages caused by vandals or thieves. Businesses have no legal liability for what happens to your vehicle on their property, unless the vehicle was left specifically in a business’s care, control or custody (during an auto repair, for instance). Most businesses have signs posted waiving their liability and such language is also present on parking lot tickets, as well.

In most cases, your only recourse for acts of vandalism to your vehicle is to file a report with the law enforcement agency in Plano and, if you have comprehensive insurance coverage, submit a claim to your insurance provider. In both cases, you should provide as much information as possible, as it may not only help police locate and capture the vandals involved, but it also makes it easier for your provider to quickly and accurately process your claim.

The time and expense involved in repairing vehicle vandalism out of pocket makes having comprehensive insurance worthwhile. Easily compare quotes online with our independent agency to discover your options and choose the car insurance coverage that works best for you.