Protection For a Business That Is Prone to Theft

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If your business is considered to be at a high risk of theft, take measures to secure the establishment and its land. Use the guidelines below to assess the property and prepare an adequate insurance coverage plan.

Location

The location of your business may play a big role in whether your property is vandalized or burglarized. For instance, a region that attracts tourists could make a business a target.

Obtaining a commercial insurance policy that provides decent property protection is a way to prevent monetary loss in the future. The protection will pay for the cost of replacing structural materials, tools, inventory, and other assets essential for running your business.

Items Featured

If you are selling expensive products that would be difficult to replace, the insurance policy that you take out should provide sufficient coverage for the inventory. Taking an inventory of the wares that are sold at business will allow you to acquire an estimate of how much the goods are valued at. Then, you can choose insurance coverage that will reimburse you for the out-of-pocket costs you could face due to criminal activity.

Security Measures

Commercial fencing, surveillance cameras, on-site monitoring, and other security measures will prevent theft and vandalism. Using sufficient security measures will also cut back on crime and minimize the need to file an insurance claim. During your assessment of your property, note any areas that need improved security. Planning to invest in security aids will safeguard your place of business from criminal activity.

Texas Insurance Advice from All-Tex Insurance 

One of our All-Tex Insurance agents can help you choose commercial insurance coverage. Contact an agent who serves Granbury, TX to learn how.

When Should You Update Your Home Insurance Policy?

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The Necessity of Regular Home Insurance Updates

Maintaining an up-to-date home insurance policy is crucial. If you are a homeowner in Granbury, TX, All-Tex Insurance is here to ensure that your home insurance policy fulfills your requirements. Collaborating with one of our agents can help you modify your existing policy, opt for a new one, or make necessary coverage adjustments that enhance your surety and peace of mind.

Reviewing and updating your insurance policy at least once a year is advisable to ensure it continues to meet your needs. During this period, we can assist you with any modifications, answer your questions, or even get you additional quotes to see if changing your policy would be more beneficial for your circumstances. However, you do not have to wait for a year if you wish to review things earlier or if you have updates to be made – we are always at your service.

Major changes to your home, such as renovations or additions, could necessitate increased or adjusted coverage. You do not want to encounter unexpected issues if you have to make a claim. Luckily, multiple excellent options are available. When you choose us for your home insurance needs, we provide you with the necessary information to make an informed decision.

Contact us today at All-Tex Insurance if you are in the Granbury, TX area and are considering updating your home insurance policy. We aim to provide great policy options, ensuring you feel confident about the level and form of protection you have for your home.

Do you Need Umbrella Insurance for Your Home?

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Many Granbury, TX, homeowners don’t need more than a regular home insurance policy. However, it’s never wise to assume you’re all set because you have basic coverage. Your assets, career, and other factors may require that you purchase umbrella insurance for your home. Umbrella insurance doesn’t take the place of a home insurance policy; rather, it adds to it to ensure you’re fully covered no matter what happens.

Signs You Need Umbrella Insurance for Your Home

Is your home worth a lot of money? If so, you may want umbrella coverage to provide compensation if your home is destroyed and needs to be completely rebuilt. Surprisingly, over 60% of homes in the United States are underinsured, which means that homeowners wouldn’t be able to replace a house in the event of an unfortunate incident.

Do you have large events at home or host regular parties? If so, your homeowner’s insurance liability coverage may not provide enough compensation if one or more guests are injured. Slippery stairs, insufficient lighting, or even a falling tree may result in a lawsuit you cannot handle without extra liability coverage from an umbrella insurance policy. 

Do you own valuable assets that you store at home? If so, your homeowner’s insurance policy will likely only replace a portion of their value. You’ll need extra compensation to cover the full value of expensive items such as jewelry, art, antiques, and heirlooms. 

Great Insurance Options from All-Tex Insurance

All-Tex Insurance specializes in meeting the insurance needs of Granbury, TX homeowners. Whether you’re looking for an umbrella insurance policy to augment your existing homeowner’s insurance or you need both home and umbrella insurance, contact us at your convenience to learn more about your options. 

Adding Roadside Assistance to an Auto Policy

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Most auto insurers, like All-Tex Insurance, offer roadside assistance coverage as an additional safety net in their policies. While this elective coverage isn’t a state requirement in Texas, it has a comparably small premium cost and can provide significant financial relief for expenses such as tow trucks or locksmiths. This blog explains the benefits of roadside assistance, how to add it to your policy, and how to use it.

Roadside Assistance Coverage

The roads and highways around Granbury, TX, can experience a wide array of unexpected mishaps. Flat tires, locked-in keys, and breakdowns are all common occurrences. However, roadside assistance insurance provides help no matter where in the U.S. you travel, serving similar functions to auto clubs, except nationwide.

Roadside assistance provides you with service directly at your vehicle’s location, no matter where in the U.S. you travel. If you run out of gas or lock your keys in your car during a sightseeing trip in Georgia, roadside assistance will bring you gasoline and a locksmith, so you’re soon on your way again. Perhaps your car breaks down during your road trip to rural Maine; roadside assistance will arrange a tow truck, allowing you to reach a mechanic. Simply put, roadside assistance responds precisely to your needs no matter what happens with your vehicle.

How to Add Roadside Assistance to Your Auto Policy

We usually include roadside assistance coverage in every full-coverage auto policy quote. Please let us know if you wish to add it but are only requesting Texas’ minimum coverage. We’re happy to add roadside assistance to your quote. If you already have your policy and it does not include roadside assistance, call or email us, and we’ll add it to your policy. Considering its affordability and convenience, we wholeheartedly encourage our customers to take advantage of this beneficial, low-cost coverage.

How to Use Roadside Assistance 

When you experience trouble with your car, call the toll-free number for roadside assistance or send an alert from a mobile app. The dispatcher will then contact a local business partnered with the corporate provider of the roadside assistance service. This ensures you get help quickly, even if you’re experiencing problems in an out-of-the-way location.

Update Your Auto Insurance

Contact All-Tex Insurance today to update your auto insurance. Before you keep your vehicle’s engine running in Granbury, TX, ensure your policy comprises roadside assistance coverage for optimal peace of mind.

Types of Commercial Insurance

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Commercial insurance is crucial to protect your business. However, understanding which policies best suit your needs can be challenging. At All-Tex Insurance in Granbury, TX, we offer commercial insurance tailored to meet your business needs.

Commercial Property Insurance

You’ll need commercial property insurance if your business owns or operates physical premises such as stores, offices, warehouses, or manufacturing centers. This type of insurance protects the physical structure of your building and its contents, which is vital if you own expensive business equipment or keep inventory on-site.

General Liability Insurance 

General liability insurance helps cover expenses related to customer injuries on your business property. For instance, if a customer slips and falls in your store, this policy would cover their medical expenses and lost wages. It also covers damage to visitors’ property that may occur on your premises.

Professional and Product Liability 

You may also need professional or product liability coverage, depending on your industry. Professional liability insurance protects you from damages due to a mistake made while providing a service. If your business produces goods, product liability will cover damages caused by a faulty product.

Business Interruption Insurance 

Business interruption insurance is critical, especially for small businesses. If your business has to shut down temporarily due to repairs or other unforeseen events, business interruption insurance will cover your losses until you can resume operations.

Commercial Auto Insurance

If your business involves using a vehicle—whether for transporting goods, customers, or equipment—you need commercial auto insurance. This policy type covers your employees, provided they are legally permitted to drive and use the company vehicles.

Commercial Insurance at All-Tex Insurance

If your business in Granbury, TX, requires commercial insurance, contact us at All-Tex Insurance. Our friendly agents are ready to understand your situation and help you select the best policies for your unique needs.

Things You May Not Know are Covered by Home Insurance

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You probably know that your home insurance covers the structure of your home and your personal belongings. However, some things that are covered may surprise you. At All-Tex Insurance in Granbury, TX, we offer homeowner’s insurance.  

Objects Falling From the Sky

Your homeowner’s policy covers objects that may fall out of the sky and damage your home. This includes meteorites, space and satellite debris, and airplanes. While these are rare occurrences, it’s good to know you are covered if it does happen. 

Living Expenses 

If you cannot live in your home because it’s been damaged, your living expenses can add up quickly. Paying for your mortgage and accommodation can be very difficult. 

The good news is that your homeowner’s policy will cover your living expenses until you can move back into your home. This includes rent or hotel costs, food, and transportation. 

Spoiled Food 

You probably don’t give much thought to the food in your fridge, but if you need to restock it, you’ll realize it can be costly. If your food spoils due to a power outage, fire, or weather related event, your homeowner’s policy will cover the costs of restocking your fridge. 

Identity Theft

In 2021, 9% of the population was a victim of identity theft. Identity theft costs can include stolen money, loans taken out in your name, and purchases paid for from your bank account. In addition, you may have legal fees associated with the theft. 

Your homeowner’s policy may cover these costs so that you can have peace of mind. 

Home Insurance with All-Tex Insurance

If you need homeowner’s insurance in DFW or Granbury, TX, contact us at All-Tex Insurance. Our agents are waiting to help you choose the coverage that meets your needs. 

I am almost seventy. Is life insurance a good investment at my age?

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Life insurance is a good way to cover end-of-life expenses and other big expenses that could become a financial burden if and when you pass away. You have options when it comes to the type of life insurance you invest in and the benefits that come with it. One of our licensed insurance agents at Jason Ridley Agency can help Colleyville, TX residents understand and explore their coverage options.

What is life insurance?

Life insurance is designed to cover the insured person’s life expenses and more, should they pass away. Many people would be left with the financial burden of paying for a burial as well as their deceased loved ones’ bills if they were to pass away. Life insurance can eliminate this burden. The insured person names beneficiaries and pays a monthly fee to maintain their coverage. You can purchase life insurance for some time or your entire life. However, when you pass away, your beneficiaries receive an agreed-upon lump sum, which can be used any way the beneficiaries see fit. This could include funeral costs, mortgages, daily bills, loans, and much more.

I am almost seventy. Is life insurance a good investment at my age?

Life insurance is an excellent financial investment at any age. However, many life insurance companies may hesitate to insure people above a certain age. Also, the cost may be higher, and the terms may differ if a life insurance company provides you with a policy. However, if you’re able to get a life insurance policy at an advanced age, the financial benefits will make it easier for your loved ones to pay for your burial and take care of any bills you may leave behind. If you have questions about life insurance, call us. We’d be happy to explore your options. 

I have a small online business. Do I really need umbrella insurance?

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Business owners have many things to consider when protecting their assets and maintaining their businesses. Fortunately, it’s possible to invest in an insurance policy that covers the important areas of your business. However, sometimes a primary insurance policy isn’t enough. Business owners can include another level of protection if needed. Determining if another layer of protection would be a wise investment may be challenging. Our team at All-Tex Insurance is committed to helping Granbury, TX business owners understand all the insurance options available to them.

What is umbrella insurance?

Umbrella insurance is backup or secondary insurance. In other words, if you have a covered event that exceeds the maximum limits of your insurance policy, umbrella insurance will cover anything that exceeds the maximum limits of your primary policy. In some situations, umbrella insurance can act as primary insurance if you have a covered event that is not included in your primary insurance policy. 

I have a small online business. Do I need umbrella insurance?

Umbrella insurance can be helpful if you feel your business could be liable for a claim beyond your liability limits. Umbrella insurance would cover anything that exceeds your primary limits as long as it’s considered a covered event. If you have a business where customer interaction is frequent, umbrella insurance may be a reasonable consideration. However, there may be other factors that would make an umbrella insurance policy a good investment as well. Even if you run an online business, you may still have assets to protect and other business issues that would benefit from umbrella insurance. If you have questions about umbrella insurance, call us. We’d be happy to help.

How Auto Insurance Encourages Multimodal Mobility

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Auto insurance, traditionally associated with car ownership, is evolving to support and encourage multimodal mobility by offering innovative coverage options and incentives that align with the changing transportation landscape in and around the Granbury, TX area.

Flexible Coverage Options

Auto insurance companies are adapting their policies to accommodate the diverse needs of modern commuters who utilize multiple transportation modes. Rather than solely focusing on coverage for personal vehicles, insurance providers now offer flexible policies that extend protection to other modes of transportation, such as bicycles, scooters, and rental cars. This flexibility enables individuals to tailor their insurance coverage to align with their specific mobility preferences, encouraging the adoption of alternative transportation options.

Coverage for Ridesharing and Carsharing

The rise of ridesharing and carsharing services has transformed how people access transportation, offering convenient and cost-effective alternatives to car ownership. Auto insurance companies have responded by developing specialized insurance products tailored for rideshare drivers and users of carsharing platforms. These policies provide coverage for vehicles used for commercial purposes, ensuring that drivers and passengers are protected while utilizing shared mobility services. By offering insurance coverage for ridesharing and carsharing, auto insurance companies facilitate access to these sustainable transportation options and contribute to reducing reliance on personal vehicles.

Incentives for Sustainable Travel Behavior

Many auto insurance companies are introducing incentives and rewards programs to encourage sustainable travel behavior among policyholders. These incentives may include premium discounts for using public transit, participating in bike-sharing programs, or maintaining a low-mileage driving record. By rewarding environmentally friendly travel choices, auto insurance companies incentivize multimodal mobility and support efforts to lessen air pollution and traffic congestion.

How All-Tex Insurance Can Help You

At All-Tex Insurance, we can help answer questions concerning auto insurance. We serve the Granbury, TX, area. Call us today. 

Commercial Vehicle Coverage Protects Workers and Company Liability

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Why Invest in Quality Commercial Vehicle Insurance?

Like many others, your business may rely on several vehicles for deliveries, goods transporting, or field sales activities. During these operations, accidents can happen, potentially damaging property or causing harm to individuals. Commercial vehicle insurance is designed to cover these liabilities, providing your business with financial protection against unexpected expenditures. At All-Tex Insurance in Granbury, TX, we can clarify your queries about commercial vehicle coverage and illustrate how it helps your business.

Understand Your Commercial Vehicle Coverage

Even if you’re familiar with personal auto insurance, the usage of vehicles in a business capacity calls for a distinct type of insurance. Commercial vehicle insurance provides extended coverage for liabilities arising from damage to others or their property while an employee operates the vehicle on business duties. Commercial insurance typically covers delivery vans, work trucks, company cars, and other vehicles involved in your daily business operations. It also includes coverage for collision and comprehensive coverage against theft, vandalism, and other risks.

Why Do You Need Commercial Vehicle Coverage?

Commercial vehicle insurance primarily safeguards against liabilities, such as bodily injury, property damage, medical expenses for drivers & passengers, and uninsured or underinsured motorist accidents. In case an employee accidentally injures someone with the vehicle or damages a building or another vehicle during business activities, it will cover these liabilities. If an accident occurs causing harm to the driver or passengers, insurance covers the medical expenses – no matter who was at fault. Therefore, coverage for commercial vehicles is an investment in your company’s financial security.

Choose All-Tex Insurance for Commercial Vehicle Coverage

Our agents in Granbury, TX, have the expertise and knowledge to guide you in obtaining the right coverage for your specific business needs. We offer a wide range of insurance products to cater to your home, auto, business, motorcycle, RV, boat, and life insurance needs. Contact All-Tex Insurance today to discuss a no-obligation quote on commercial vehicle insurance and protect yourself against possible financial challenges.