Skip to content
Click to Call
Paragon Independent Insurance Agencies, Inc

6305 Preston Road #1000
Plano, TX 75024

Get Directions

Local Regulations and Home Insurance Policies in Plano, TX

Posted on by AgentInsure

Understanding how local regulations near Plano, TX can influence your homeowner’s insurance policy is essential to protect and preserve your coverage. Knowing local building codes, state zoning requirements, and insurance regulations can also help you determine which homeowner’s insurance policy or provider is right for you. At Paragon Independent Insurance Agency, we can help you better understand how local regulations and home insurance policies are impacted together in Plano, TX.

Understanding Plano, Texas, Building Codes

Plano, TX, enforces a wide range of building codes to ensure local buildings and businesses’ structural integrity and safety. These codes impact home insurance policies in several ways, such as:

  • Compliance: Compliance requirements must be adhered to prevent denials of claims.
  • Ordinance Coverage: Standard home insurance policies may not cover additional expenses that do not meet current codes.

State Regulations Impacting Home Insurance Policies

Throughout Texas, the Department of Insurance is responsible for overseeing home insurance policies. Considerations to keep in mind include:

  • Consumer Bill of Rights: Consumer protections are outlined in the Homeowners Bill of Rights, ensuring you always remain informed of your rights regarding existing insurance policies in effect or available to you.
  • Policy Rates and Reforms: Insurance companies are required by law in Texas to file their policy forms and rates with the Texas Department of Insurance for proper approval. This ensures compliance and fairness with existing state laws.

The more familiar you are with Plano, TX, and its local building codes and regulations, the easier it will be to secure the comprehensive protection you need as a homeowner in the region. If you’re interested in researching local regulations or adjusting your current homeowner’s insurance policy, we can help. For more information on local regulations near Plano, TX as a homeowner and to determine if your homeowner’s policy is suitable and adequate, contact Paragon Independent Insurance Agency for your free quote and consultation with our experienced agents today.

Why Cyber Liability Insurance Matters for Business Owners and Commercial Property Investors in Plano, TX

Posted on by AgentInsure

As cyberattacks become increasingly prevalent worldwide, it’s crucial for business owners and commercial investors in Plano, TX, to consider cyber liability insurance. Cyber liability insurance from Paragon Independent Insurance Agency can provide the safeguard you need to protect your investments, assets, and reputation where traditional insurance policies may fall short.

Protection From Financial Losses

Dealing with business interruptions, disruptions, legal fees, and data breaches can quickly accumulate costs. With a proper cyber liability insurance policy, you can cover a range of expenses from regulatory fines, credit monitoring, notifications to affected parties, and even lost revenue, depending on the specifics of your chosen policy.

Reputation Management

Cyber liability insurance can also help provide the resources you need to rebuild confidence in your brand as you work to protect your reputation. This is often critical when dealing with hacking attempts and data breaches that have caused vulnerabilities with user information. Some cyber liability insurance policies also provide mitigation support when tackling negative publicity.

Compliance

Ensure your business is compliant with regulatory requirements statewide and nationally. Prioritizing cybersecurity is also a way to remain competitive, especially in highly saturated or popular industries. Prioritizing your cybersecurity measures can help clients and investors alike trust your business and/or brand.

Handling the risks of cyberattacks and data breaches head-on is much easier with a proper cyber liability insurance policy in place. If you’re a business owner or commercial investor in Plano, TX, obtaining the right cyber liability insurance policy can provide the financial safety net and peace of mind you need. To learn more about your options when it comes to cyber liability insurance policies in Plano, TX, contact Paragon Independent Insurance Agency today.

Auto Insurance is About More Than Staying Legal on the Road

Posted on by AgentInsure

Meeting the minimum legal requirements for auto insurance is a law in every state. However, choosing to drive with only the legal state minimums can be a costly decision. That’s why so many drivers from Plano, TX, and the surrounding area rely on the experience and expertise of the Paragon Independent Insurance Agency team for help with all their auto insurance questions and needs. Staying legal is one thing, but auto insurance is also about a whole lot more.

Auto Insurance: More Than Just Legal Driving Requirements

Yes, meeting the legal auto insurance requirements is essential, but the benefits of auto insurance extend beyond just staying legal. From the expense of damages to the cost of medical bills and more, underinsured drivers—those who drive with only the minimum legal requirements—are often left to cover many costs. Fortunately, with the help of experienced and professional agents, drivers can be better protected on the roads and from the sometimes extensive costs of an accident.

Auto Insurance Solutions for Plano, TX Area Drivers

If you live in or around the greater Plano, TX area and have questions or would like to learn more about auto insurance, we can help. At the Paragon Independent Insurance Agency, we are here to help you get the coverage and protection that best suits you and your driving needs. Contact us to find out more and schedule an appointment for the auto insurance solutions you need and deserve at the Paragon Independent Insurance Agency today.

Business Insurance Basics: Terms Every Owner Should Know

Posted on by AgentInsure

Navigating the world of business insurance can be daunting, especially for new business owners. Here in Plano, TX, Paragon Independent Insurance Agency aims to simplify this process by breaking down essential terms you need to know to protect your business effectively.

Understanding General Liability Insurance

General liability insurance is a must-have for any business. It covers legal expenses and damages related to accidents, injuries, or negligence claims on your business premises. This protection is crucial in safeguarding your company from unexpected legal battles.

The Importance of Property Insurance

Property insurance covers your business’s physical assets, such as buildings, equipment, and inventory. Whether you face risks like fire, theft, or weather damage, having property insurance ensures you can recover quickly and continue your operations with minimal disruption.

Workers’ Compensation: Protecting Your Team

Workers’ compensation insurance is essential if you have employees. It provides them with benefits if they suffer work-related injuries or illnesses. Moreover, it protects your business from lawsuits related to workplace accidents, fostering a safer work environment.

Professional Liability Insurance Explained

Also known as errors and omissions insurance, professional liability insurance is vital for service-based businesses. It covers claims of negligence or mistakes in the services you provide, helping maintain your business’s reputation and financial stability.

Why Business Interruption Insurance Matters

Business interruption insurance is your safety net during unforeseen events that pause your operations. Whether it’s a natural disaster or another unexpected incident, this coverage helps replace lost income and covers ongoing expenses, ensuring your business can bounce back.

Reach Out to Us to Purchase a Policy

Contact Paragon Independent Insurance Agency in Plano, TX for tailored advice and comprehensive coverage. We’re here to help protect your business every step of the way.

Why You Should Invest in a Carport or Garage For Your Car

Posted on by AgentInsure

As a car owner, you know that your vehicle is a good investment, and you need to protect that investment by adding a carport or garage. Below are a few reasons you should make that investment sooner rather than later.

Prevent External Damage

One of the most essential benefits of a carport or a garage is the external damage prevention you have on your vehicle. Leaving it in the sun exposed to the elements can damage your vehicle. Your paint can peel, the interior can fade, and you’ll need additional maintenance services you weren’t expecting. A carport will prevent sun damage, but it doesn’t eliminate all weather, like an enclosed garage.

Prevent Theft

If you decide to go with a garage instead of a carport, you can also limit the theft or damage to your vehicle. Keeping your car behind a locked door will make it harder to steal. Having a carport can also help with theft, as it keeps your car in a certain location where you can see it. You can also easily add cameras and motion detectors to alert you if someone comes up on the property.

Improve Property Value

Carports and garages don’t only protect vehicle investments, but they also improve the overall property value of your home. Both of these are desired commodities and will increase your home value significantly by having an option available. Of course, a garage is going to add a higher value, but they also cost more. If you’re looking for something more budget-friendly, a carport is an excellent option and will still improve the home value.

If you’re in the Plano, TX area and looking for a personal auto insurance policy, contact our Paragon Independent Insurance Agency team today for your personal quote.

Carport vs. Garage: Which is Best for You?

Posted on by AgentInsure

If you’re undecided between a carport or a garage, you’re not alone. This is a common dilemma for many homeowners. You can decide which is right for you based on your answers to the questions below.

Which Offers Better Environmental Protection?

Both a carport and a garage will shelter your vehicle and protect it from sun damage. The biggest difference between the two is the level of shelter they offer. A carport is open on all sides, so your vehicle is still exposed to temperatures and other elements. However, a garage is enclosed and often has power, offering more protection from the enclosure and eliminating all outdoor elements.

Which is Safer?

Both of these shelters offer safe protection. However, you can close the door and completely lock the vehicle inside the building with a garage. Carports can also house cameras and deter some thieves from getting too close to the home. However, carports do not keep people out; someone is likelier to walk up to a carport than get into a garage.

Which is More Affordable?

Every homeowner asks this big question when they look into garages and carports. Because garages are enclosed all the way around, they will be the most expensive option of the two. Carports have fewer materials, which makes them more affordable. Both need a concrete pad poured for the floor, which is another cost to factor into your budget. If you go with the garage, you’ll also need to ensure you have insulation included and the cost of powering up the building.

No matter which you choose, a carport or garage, it is a great investment for your vehicles and your home. If you would like more information on a home insurance quote, contact our agents at Paragon Independent Insurance Agency. We gladly serve homeowners living in and around the Plano, TX, area.

Insurance Coverage for Your Tiny House

Posted on by AgentInsure

Ensure your tiny house is insured against theft and damage. Begin by conducting a comprehensive home assessment, then select residential coverage to include in your insurance policy.

Home Insurance

Like any other residence, a tiny home is eligible for various types of home insurance coverage. This coverage will cover the cost of repairing your tiny home and reimburse any out-of-pocket expenses you incur as the primary owner.

Assessment

The dimensions of your tiny house and the way you use it need to be evaluated. This assessment will help the inspector understand the risk level associated with insuring your home. It will include an evaluation of the materials used in your home’s construction. The inspector will also inquire about your intended use for your home. Many tiny houses are designed with wheels for mobility.

The wheels make a tiny home mobile. If you intend to relocate your home to various locations, your coverage may need to be adjusted.

Add-On Coverage

Some tiny house insurance policies may not provide coverage when your home is being actively towed. If your home insurance policy does not include towing coverage, you may need add-on coverage.

Towing or transportation coverage ensures your home is protected while in transit. An agent can discuss various add-ons that your tiny home qualifies for.

Insurance Agent Guidance

Armed with the basics about a tiny house insurance policy, you can now reach out to one of our Plano, TX agents. A Paragon Independent Insurance Agency representative can guide you in arranging your tiny home insurance policy.

Commercial Insurance Strategies To Protect Your Business

Posted on by AgentInsure

Implementing strategic insurance methods can help safeguard your business. These strategies mitigate potential disruptions in your business operations.

Liability Insurance

Liability coverage protects you against legal costs that could disrupt your business. Protection against damage and theft shields you from financial losses that could affect your business sales. In essence, having comprehensive insurance coverage is indispensable.

Business Plan

A periodic review of your business plan helps identify areas requiring additional coverage. Many business owners upgrade their premises over time, bringing about changes necessitating increased protection.

Make it a point to review your insurance documents and physically inventory items within your business premises. Document any identified gaps in your insurance policy and make necessary modifications to ensure ample business protection.

Past Claims

Examining past insurance claims can provide valuable insights. For instance, if theft recurs, it might indicate a need to enhance your business security by investing in safety devices such as security cameras and lights.

Enhance your insurance coverage to shield your business premises, equipment, and stored inventory and buffer yourself from financial losses.

Insurance Products

Our agents at the Paragon Independent Insurance Agency can help you navigate our wide range of insurance products. You can also review your existing business plan at a meeting with our representatives in Plano, TX.

After evaluating your plan, the agent will walk you through commercial insurance upgrades for optimal business protection.

Business Trends That Will Transform Your Company’s Future

Posted on by AgentInsure

Protecting your business assets is a priority if you’re a business owner. To do so, you will need commercial insurance. Businesses in the Plano, TX area can find the insurance solutions they need at Paragon Independent Insurance Agency. We’ve been catering to companies like yours since 2003.

Smart business owners keep a keen eye on current business trends, especially those in Texas. According to The Business Journal, Texas is the ninth-largest economy in the world. The state’s population is expected to increase from its current 29 million residents to almost 35 million by 2030. This surge of potential clients can indeed mean many new customers for you.

Business Trends for Texas Companies

As per The Business Journal, the recent upswing in the U.S. economy has escalated consumer demand. Be ready to cater to customer’s increased needs or spark the interest of new clients. Texas has witnessed business expansion since 2020, as many companies started migrating to the Lone Star State.

Texas’ booming economy provides an opportunity for your business to start profiting from an awakened client base. According to The Business Journal, Texas has been leading the nation in exports since 2020, and your business can leverage this trend. Some of the most significant increases are seen in the sports, technology, and commerce sectors. Despite the uncertainties surrounding the nation’s economy, Texas’ economy continues to offer possibilities for businesses like yours to grow and thrive.

Call Us Today for an Appointment

As your business grows, so will your need for commercial insurance. Business owners in or near Plano, TX are encouraged to contact us at Paragon Independent Insurance Agency. Our agents are here to answer any insurance questions you may have. Call us for an appointment today, and we can help you protect your business.

Safe Driving and Insurance Go Hand in Hand

Posted on by AgentInsure

Don’t let an accident devastate your world. An auto accident brings enough stress and worry without the additional concerns of bills, repairs, and other accident-related expenses. That’s why people from in and around the Plano, TX area turn to the experienced, trusted, and professional team at the Paragon Independent Insurance Agency for all their auto insurance needs. No, we can never predict when an accident will happen, but we can be prepared if we are ever involved in one.

Safe Driving and Insurance Go Hand in Hand

Being a safe driver means you are less likely to be involved in an accident, and you won’t be responsible for causing one. That is the good news. The bad news is that being a safe driver doesn’t necessarily protect you from unsafe, inattentive, or careless drivers.

As a safe driver, you can do little to control the actions of someone else behind the wheel. With concerns such as impaired, inexperienced, and simply bad drivers, the best course of action safe drivers can take is to stay prepared and insured. That’s where safe driving and insurance go hand in hand, highlighting the importance of a reliable and experienced agent if you are ever involved in an auto accident.

Auto Insurance Solutions in Plano

If you live in the greater Plano, TX area and have questions or need auto insurance, we can help. At the Paragon Independent Insurance Agency, our team of friendly and professional agents will help you find the right coverage for your vehicle and your life. Don’t let an accident cause more hardship and expense than necessary. Get the insurance solutions you need at the Paragon Independent Insurance Agency today.

Archives

Categories

  • Allstate
  • ASI
  • charity first
  • Chubb
  • Dairyland
  • Encompass
  • Foremost
  • Geico
  • Hagerty
  • Kemper
  • liberty mutual
  • national general
  • Philadelphia
  • Progressive
  • Safeco
  • Texas Mutual
  • TWIA-Texas Windstorn
  • the hartford
  • Travelers
  • US Assure

Our Services

Servicing States

  • Texas

quote-icon Comparing Quotes - Made Simple

Compare your unique insurance quotes
online via our comparative quoting form.

Get Started Today!

Get A Quote!