People that are in the Plano, TX area are going to have many different personal insurance requirements. For those that are property owners, one important form of coverage to get is home insurance. This type of coverage is ideal for anyone that is going to buy a property and invest in their future. There are a few reasons why you should get this coverage. 

Insurance is Needed to Remain in Compliance

A reason that you should get home insurance coverage when you are in Plano is that it is needed to remain in compliance. If you are going to buy a home you likely will be required by your mortgage lender and by any home association that you are affiliated with to carry insurance. If you neglect this coverage, it could put you into violation of various agreements.

Insurance Offers Protection

There are some people that will not have specific home insurance requirements. However, it still continues to be a great investment to make. With home insurance, you are going to get the coverage that is needed to repair or rebuild your home if it is damaged. Further, you will get personal liability protection. This could prove to be helpful if your home is damaged or you are named in a liability claim due to an accident in your home.

Plano, TX will continue to be a great place to invest in your own property. If you would like to buy a home here and are interested in obtaining new insurance, you should call Paragon Independent Insurance Agency. The team with Paragon Independent Insurance Agency knows that this coverage can come with complexities. They can help you by answering any of your questions and building a policy for you that will offer the ideal protection for your situation. 

Shorter days and cooler nights are a sure sign winter is on the way. Your home is the biggest investment you will likely ever make and making sure it is ready for winter can make it safer and also save you money when it comes to keeping your home warm. Having an independent insurance agent who you can trust makes homeownership less stressful. In Plano, TX,  Paragon Independent Insurance Agency have the philosophy that the customer’s needs always come first. 

Have chimney checked

Before you decide a fire in the fireplace would be a nice idea it is always good to have your chimney checked and cleaned. Chimney fires can be very damaging and are easily avoided with some basic maintenance. 

Furnace cleaning

In order to get the most efficiency out of your furnace, it is vital that you have it serviced every year. It needs to be cleaned and filters changed. You will be glad you took the time to do it when you get your fuel bills. 

Clean the gutter

In the fall most trees lose their leaves. Those leaves not only fall on the ground, but they also fall on your roof and into your gutters. The gutters can become clogged and the water will not go into the downspouts. It can cause serious damage to your roof and also to your ceilings. 

Seal the leaks

A little caulk and some weatherstripping can seal up any leaks you have around your windows and doors.

At Paragon Independent Insurance Agency in Plano, TX, we have been serving residents for over 17 years.  With more than 50 years of experience, we have the knowledge you are looking for in an insurance agency. If you are ready to discuss your home insurance needs, stop in to our office or give us a call for a no-obligation quote. 

The biggest asset that a lot of people will ever own is their home. Those that purchase a property can see significant equity growth over time as they pay down their mortgage and see their property slowly increase in value. If you are going to purchase a home in the Plano, TX area, you will want to ensure this investment is protected with home insurance. There are several reasons why having this insurance could also be a requirement for you.

Insurance is a Lender Requirement

Most people that buy a home in the Plano area will take out a mortgage so they can finance the purchase of it. If you do this, it will likely allow you to purchase a larger and more expensive home. However, you will have some obligations that need to be met. One task that you will need to do consistently will be to get proper insurance for it. The lender will likely review your insurance, approve it and then even escrow your monthly payments.

When in a Home Association

Another common situation when people in Texas will need to get home insurance will come when they live in a home association. Property associations are very common, particularly for those that live in newer communities that offer local amenities. If you do live in one of these communities, you will have insurance obligations. Most of the time, you will have to provide evidence of coverage at least once per year.

There are plenty of reasons why you should get insurance for your home. Even if it is not required, those that are in the Plano, TX area should speak with the Paragon Independent Insurance Agency about their needs. Paragon Independent Insurance Agency can help you build a policy that will provide necessary coverage. 

Few would argue the benefits of homeowner’s insurance. This insurance has the ability to create peace of mind and make issues with your home more financially manageable. homeowner’s insurance can cover property damage, your personal belongings, and injuries to others, to name a few. Paragon Independent Insurance Agency of Plano TX is dedicated to helping you navigate homeowner’s insurance.

Homeowner’s Insurance Covers A lot But…
Although homeowners insurance covers many things…few of us understand that this insurance doesn’t cover everything. There are specific situations and circumstances that aren’t covered under homeowner’s insurance. As a homeowner, it pays to find out what’s not covered. Most of us understand that many things are covered under homeowner’s insurance and this creates peace of mind for many homeowners. If someone is injured on your property, homeowner’s insurance can cover medical bills. In addition, if your personal belongings are damaged, homeowner’s insurance can cover this too. 

What’s Not Covered…
Unfortunately…there are certain things that aren’t covered under most homeowner’s policies. Some of the things that aren’t covered are associated with the natural aging process of a home in addition to other common issues many homeowners experiences. Damage to your home caused by termites, birds, rodents, and insects aren’t covered under homeowners insurance. Also, mold, rust, rot, and other forms of wear and tear brought on by the age of a home aren’t covered either. Defective or poorly made aspects of your home aren’t usually covered under homeowner’s insurance. If you experience issues like these with your home there is a chance that your homeowners’ insurance policy won’t cover these kinds of issues. Our agents at Paragon Independent Insurance Agency of Plano, TX are dedicated to helping you understand homeowner’s insurance and understand what’s covered and what isn’t.