Navigating Storm Season with the Right Home Insurance Coverage

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When storm season arrives, Granbury, TX homeowners must make sure that they are properly prepared for what is about to come their way. Thanks to the experienced team at All-Tex Insurance, this process is a snap. Of course, it can be tough to find the right insurance coverage policy that provides you with the necessary peace of mind during storm season.

Here are a few of the questions that must be asked during your consultation meeting:

Is Enough Coverage Being Purchased?

This is the first and most crucial question that needs to be asked. Before making any final decisions, it is in the best interests of a homeowner to look over the policy with a professional insurance agent. Our team will let you know if your policy limits are sufficient. Have recent improvements been made to the home? Any add-ons that need to be discussed? These are all key areas of discussion.

Is Flood Insurance Required?

While Texas does not have any specific laws in place that require homeowners to purchase a flood insurance policy, mortgage lenders are typically a bit more stringent. If you are someone who resides in an area that is a high flood risk, you may be required to purchase a policy.

How Do I Remain Proactive?

During storm season, it is always better to remain proactive. Our insurance agents are more than happy to put together a plan that can be enacted as soon as a storm takes place. This allows you to remain protected before the storm hits so that any and all information that is needed is provided ahead of time. When disaster strikes, the last thing that you will want to do is play catch up.

Consult With Us

At All-Tex Insurance, we pride ourselves on providing Granbury, TX homeowners with all of the help that they need. To find out more about the many ways that we can assist you, please be sure to give us a call or stop by as soon as possible.

Safety Tips For Driving in the Rain

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Driving in the rain can be challenging and potentially dangerous because wet roads diminish both traction (i.e., your ability to control the vehicle) as well as visibility. To help ensure you drive safely in the rain, All-Tex Insurance in Granbury, TX offers these helpful suggestions.

Safety Tips For Driving in the Rain

In addition to checking your tires, giving yourself extra time, avoiding cruise control, and staying alert/focused, consider these helpful safety tips for driving in the rain –

Slow Down

While it may seem obvious to most, reducing your speed when driving on wet roads is essential, as this offers two benefits – more control and an increased reaction time in the event of a hazard or danger.  

Increase Following Distance

To avoid a rear-end collision, leave more room between your car and the one you are following because the wet conditions require additional braking distance.  

Turn On Headlights

Visibility is crucial for any driver, but especially important when raining. Low beams are best as this enhances visibility without creating dangerous glare.

Defog Your Windows & Windshield.

Rain and the added moisture/humidity causes fogged window, further reducing visibility. Most cars have defogger/AC settings that help.  

Be Cautious of Hydroplaning

When tires lose contact with the road – because of water on the pavement – it is known as hydroplaning. Avoid sudden braking/accelerating, and try to follow the tracks of the car you are following. If you hydroplane, ease off the gas, and maintain a firm grasp of the steering wheel.

If you live or work in the greater Granbury, TX area, and would like additional information regarding how to protect yourself and your vehicle, contact the insurance professionals of All-Tex Insurance.

How commercial insurance can save your small business

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Every business faces tremendous risks, but small businesses have fewer resources to help them survive these risks. With the correct commercial insurance, many of the risks are survivable. Having commercial insurance that fits your particular business is important. At All-Tex Insurance in Granbury, TX, we will get to know your business, so we can serve you better. 

Benefits of Commercial Insurance

Property insurance

Commercial property insurance is more inclusive than home property insurance. It covers not only the physical building if you are the owner but also the content of the building where you do business and the things you carry around in a vehicle you use for business. Depending on the kind of business that you have, it covers machinery, electronics, office equipment, raw materials, tools, display units, and inventory. It can even cover your records. 

Liability coverage

Getting sued is one of the biggest risks any business faces. Approximately one in three businesses will get sued every year. It can be an unhappy customer, a customer who has got injured at your business or by your product, or a disgruntled employee. Liability insurance will help to pay for any judgment against you and even legal fees.

Business interruption insurance

When your business is forced to close due to a covered peril, it can cause a lot of anxiety. It also stops the flow of income into your business, which may lead to your losing employees. It may be difficult to survive. If you have business interruption insurance, it can provide the cash that you need to keep your bills up to date and your employees paid. It can make the difference between surviving and closing your doors.

Reach Out To Us

Contact All-Tex Insurance in Granbury, TX when you are ready to protect your business with commercial insurance customized to your business. 

Three Things Not Typically Covered By Home Insurance

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Whether you already own a home in Granbury, TX, or are looking to break into the market, there are a lot of things you need to know, and many of them revolve around home insurance. Do you have to have it? What does it cover? What doesn’t it cover?

These are important questions, and to help answer them, All-Tex Insurance has a quick guide for you. As you learn about things that are not typically covered, remember that every policy is unique, and you have to review your specific policy to be certain of any coverage inclusions or limitations.

Home Insurance Exclusions

Flooding

Flooding and water damage are typically not covered by home insurance. This is why separate flood insurance exists, and it means that a normal home policy will not cover any amount of water damage from flooding.

Keep in mind that this applies to natural sources of water. If a pipe bursts and causes damage that way, many home policies will offer some level of coverage.

Pests

Termites, cockroaches, other insects, and even rodents are potential sources of damage and problems that are not usually included in home insurance coverage. The gist is that the homeowner is responsible for controlling pests and therefore responsible for pest-related damage.

Wear and Tear

General wear and tear are also not typically covered. If the house needs a paint job, you’re usually on your own for that. The same applies to all levels of maintenance. You are the homeowner, and thus, you are typically responsible for taking care of the home.

One exception to this might be roofing. Many insurance policies will help cover the cost of a roof replacement if it becomes necessary (like everything else this varies from one policy to the next).

We Are Here To Help!

That should provide you with a better idea of what you can expect from a home insurance policy. But since every policy is unique, it’s always best to talk with an insurance agent to understand exactly what you have and what else is available. For that, you can always contact All-Tex Insurance, serving Granbury, TX.

How Does an Umbrella Policy Work?

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You are a parent with a teenager who just got his driver’s license. At this point, you might be wondering how to keep yourself and your family protected. If this isn’t you, maybe you own a swimming pool, trampoline, or even a dog. These factors can have big risks for liability lawsuits. How can you protect your finances and assets? All-Tex Insurance can help you with an umbrella insurance policy in Granbury, TX.

What is umbrella insurance?

Umbrella insurance is an extra form of liability protection. It might be a wise idea to have umbrella insurance on top of your regular auto and home insurance policies if you have any risk factors.

Some of the things that can put you at higher risk of a lawsuit include:

  • Trampolines
  • Swimming pools
  •  Dogs
  • Teenage drivers
  • High net worth
  • Frequently hosting guests

How does umbrella insurance work?

Here’s how umbrella insurance works. Let’s say that you own a trampoline, and it attracts all of the neighborhood children. One of the neighbor’s kids falls off the trampoline and breaks their arm. The parents decide to sue you for the damage that the fall from the trampoline caused.

You would first use the limits of your home insurance coverage to pay for the legal costs to settle the lawsuit. If there are more costs left over after the limit has been reached, your umbrella policy will kick in to cover the rest of the cost. Because you had umbrella insurance, you did not have to pay the extra costs of the lawsuit out of your pocket.

Contact Us Today

Stop by or contact us at All-Tex Insurance to get umbrella insurance in Granbury, TX. We can answer any questions you have about umbrella insurance and give you a quote.

Why should i get an auto insurance plan in Texas?

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Anyone that resides in the Granbury, TX area will find that it can be much easier if you have access to a car. With a vehicle, you will be able to get around the area more efficiently and safely. While there are benefits that come with having a car, it is important to recognize all responsibilities as well. One task that you need to take seriously is your need to get insurance.

You will need an auto insurance plan for many reasons:

Comply with Obligations

A reason that many people will need to get an auto insurance plan is so they can comply with their obligations. If you are going to buy a car here, you may take out a loan as well. In these situations, your lender will require that you carry insurance until the loan is repaid. Further, all drivers in Texas are required by the law to carry liability insurance. 

Financial Coverage

It is also a good idea to get an auto insurance plan to receive financial coverage. A quality auto insurance plan offers various forms of financial protection. If your car is stolen or damaged, a full plan will give you the financial resources to repair or replace it. You will also receive the financial resources you need to cover damage that you could cause during an accident. 

Give Us A Call

It is always a good idea to get an auto insurance plan when you are in the Granbury, TX area. When you are looking for insurance in this region, calling our team with All-Tex Insurance is advantageous. Our professionals with All-Tex Insurance will help you assess all of your options and needs. This will ensure you are appropriately covered and comfortable that you have support from our team when you need it. 

Is Worker’s Compensation Covered in Commercial Insurance?

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Worker’s compensation is a form of insurance that provides payments to an employee who’s developed a work-related injury or an illness. When you’re working in a risky environment where harm is likely to occur, it helps to have a sense of financial security that backs the workers. At All-Tex Insurance, we’re providing the people of Granbury, TX with an insurance plan that covers worker’s compensation in a fair and comprehensive way. So is worker’s compensation provided in commercial insurance

What is Commercial Insurance?

This type of coverage is primarily for business owners and corporate entities that want to protect business interests. Commercial insurance will usually cover property damage, robbery, theft, and liability. Depending on the agency and the commercial insurance package that you purchase, it also covers worker’s compensation for employees. 

What is Covered in a Worker’s Comp?

It’s common for worker’s compensation to provide payment for personal injury cases. This includes physical traumas like sprains, strains, concussions, cuts, burns, or fractures. Worker’s compensation should cover workplace accidents from things like slips and falls. It also should provide for medical expenses, lost wages, and recovery costs for the worker. If there are specific policies that you’re wondering about a worker’s compensation package, you should consult the insurance agent.

Reach Out To Us

If you are interested in purchasing a worker’s compensation plan from All-Tex, give us a call or visit our office in Grandbury, TX  Our team of experienced professionals would love to answer any questions or concerns about our insurance policies. You can tailor your insurance plan to make sure that it meets your specific needs. 

5 Ways To Protect Your Home From Water Damage

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Water damage is one of the most common types of insurance claims on a homeowner’s insurance policy. Knowing how to effectively protect your home from water damage is important information. At All-Tex Insurance, serving the greater Granbury, TX community, and the surrounding areas, we are here to help homeowners learn different types of ways to protect their homes.

Here are some ways to protect your home from water damage:

Winterize Your Pipes

One big cause of water damage is busted pipes in the winter. You can decrease the chances of this happening by winterizing your pipes before cold weather hits. Your pipes should be properly insulated under your home. This is especially important for pipes that are near exterior walls. You should also invest in outdoor faucet covers. 

Fix Leaks Fast

Another common reason for water damage is allowing leaks to go unrepaired. A leak will not go away on its own. Any moisture accumulation will only get worse over time. Have leaks fixed quickly. 

Poor Outdoor Drainage

You need to make sure that water coming off your home during rain is properly diverted away from your foundation through the use of gutters. 

Water Accumulation on Property

If you notice that water accumulates in certain areas of your property after heavy storms, you need to talk with landscape professionals to find solutions for this. Accumulated water will eventually erode soil and make more pathways toward your home. This can cause flooding in basements and eventually cause water damage. 

Outdated Appliances 

Another big cause of water damage in the home is outdated appliances. Outdated appliances will often spring small leaks that can go undetected for some time. This can cause water damage. Update your appliances to avoid this. 

Get The Best Insurance Coverage For Your Needs

If you would like to learn more about homeowner’s insurance and how to protect your home in Texas, don’t hesitate to get in touch with us at All-Tex Insurance serving Granbury, TX, and the surrounding areas. 

How much net worth should you have before getting an umbrella policy?

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Knowing when to purchase umbrella insurance can be a tricky decision. All-Tex Insurance is here to assist you with guidelines for when you should consider adding an umbrella policy to your insurance portfolio in Granbury, TX.

What Is Umbrella Insurance?

Umbrella insurance is an extra layer of protection that provides liability coverage above and beyond other policies, such as homeowners or auto insurance. It covers personal injury and property damage claims, including medical bills, lost wages, pain and suffering, legal fees, and more. In the event of a lawsuit, an umbrella policy will kick in after the limits of your primary policy have been reached. This type of coverage is excellent for those with high net worth because it prevents them from paying out-of-pocket costs in the event of a disastrous lawsuit.

How Much Net Worth Should You Have Before Getting an Umbrella Policy?

The answer to this question depends on several factors, including your current assets, liabilities, income level, and lifestyle. Generally speaking, it may be wise to consider investing in an umbrella policy if you have enough assets to make you a target for litigation or engage in risky activities (such as owning a boat). Also, keep in mind that if you are sued for over $1 million, then an umbrella policy could help protect your assets from being seized by creditors or claimants during litigation.

Contact Us Today

Having adequate insurance in Granbury, TX is essential for protecting yourself financially against potential risks down the road. Especially if your net worth is considerable enough, it makes you more vulnerable to lawsuits or other costly legal proceedings. If you still have questions, contact All-Tex Insurance today. We can help you find the right solution for where you are now in your financial life.

Driving Without Insurance is Against the Law – Get Auto Insurance!

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Only two states in the country do not require car insurance. Unless you live in Virginia or New Hampshire, you need it. If you live in or near the Granbury, TX area, All-Tex Insurance can help you.

Auto insurance provides financial protection. If you are at fault in an accident, you could be held responsible for associated costs.

Types of Auto Insurance

Liability coverage helps pay for the legal costs, the injured party’s medical costs, or their lost wages if they are unable to work. It also provides coverage if you cause damage to their vehicle.

Collision coverage protects your car if you hit another vehicle or object.

Comprehensive coverage will protect your car against unexpected damage such as hitting an animal or a tree branch falling on it.

Uninsured/underinsured motorist is protection for when a driver hits you and they do not have auto insurance or very little of it.

Personal injury protection covers your medical bills and those of your passengers, regardless of who is at fault.

Each state mandates different types of insurance coverage. There are several additional options available, such as gap insurance, which covers the difference between what your car is worth and the amount you owe for it. Most basic car insurance policies include bodily injury liability, PIP, or personal injury protection, property damage liability, collision, comprehensive, and uninsured/underinsured motorist.

Get Auto Insurance Today

So, unless you are a resident of New Hampshire or Virginia, make sure you are obeying the law by having car insurance. You risk your financial future without it.

If you are a resident of Granbury, TX, contact the specialists at All-Tex Insurance today to receive a no-obligation quote or answers to any questions you may have. You will be glad you did.