Texas is big. Everything in Texas seems bigger. Unfortunately, this also now includes bigger and more severe weather due to climate change. It is a good time to get a home insurance review with your agent at Paragon Independent Insurance Agency, serving Plano, TX and the nearby towns, to make sure you have adequate insurance.

Thunderstorms and Lightning

The rock band Queen’s lyrics in the song Bohemian Rhapsody say that “thunderstorms and lightning, are very, very frightening to me.” It is frightening to have a lightning strike nearby. You may be driving down the highway and see a lightning strike in a field. It may hit a telephone pole or even strike your car. The bright flash is accompanied by a huge deafening boom.

If your home gets a direct hit, the huge surge of power can run through any metal, water, and wiring to reach anywhere inside the home. Electronics, computers, and home appliances can easily be destroyed.

Hail

Hail is ice particles that form at a high altitude. When they become too heavy for the updraft they fall to the earth. What’s a little ice? If hail is the size of a pea, and it is falling at terminal velocity, it is like a bullet. If it is the size of a golf ball, a tennis ball, or a baseball it is like getting hit by cannon fire. 

The other weird thing about hail is that it does not just fall straight down. Depending on the wind direction and the wind speed, it can fly around in almost any direction. It can come down, change direction in the wind, and fly through the windows.

Anything made of glass, such as windows, sliding doors, and skylights, is very vulnerable to hail damage. Larger pieces of hail are capable of smashing through the roof of a house.

High Winds and Tornadoes

Take a look outside. If there are well-established, tall trees they can be uprooted and fall on your house. Your roof may blow off. If the winds are high enough or if a tornado comes, your house may be torn apart or blown away.

Summary

These are just a few of the special things to consider about Texas when thinking about getting a new home insurance policy or for a review of any existing policy. Contact your agent at Paragon Independent Insurance Agency in Plano, TX to get an insurance review and a quote.

The agents at Paragon Independent Insurance Agency serve residents in Plano, TX and many of the surrounding communities. With more and more of their customers installing home security systems with home automation features, they are able to provide valuable tips on how to use their smart appliances and devices to further protect their homes and families.

Timers for Lights and Appliances

Using timers for lights and appliances means that your home is well-lit when it needs to be. This includes turning on outside security lights and making sure your home looks occupied even when it’s not. It also ensures that you never come home to a dark house.

Manage Your System from Anywhere

When home automation platforms integrate with your home security system, you can control many of the devices in your home through a mobile app on your home. This includes turning on lights as you pull in the drive so you don’t have to walk through a dark kitchen to the light switch. You can also check your locks and make sure your home is secure by watching video cameras. Video doorbell viewers and some of the more advanced camera systems allow you to communicate directly with people in your home or on your porch.

In Plano, TX, you can combine your home security system with a home automation platform for an added level of security. Call the agents of Paragon Independent Insurance Agency today to find out what the advantages are. They can answer all of your questions and discuss all of the options available to you. Schedule a consultation today and find out how you can better protect your home and family.

A home insurance company wants to know that you’re doing everything you possibly can to take care of your property, which is why many will offer some type of discount according to the level of protection you have for your home. Each insurance carrier has their own ideas about how much of a discount each client should be given and why. However, if you live in Plano, TX, Paragon Independent Insurance Agency can give you the basics if you’re looking for a way to control how much you pay every month. 

Intruder Alarm Systems

When it comes to burglaries, some homes are statistically more likely to be broken into than others. And yet, it’s always a good idea for people to have some degree of security on their property system. Some people take their own precautions, like installing motion sensor lights in the darker corners of their backyard. A home insurance company will want to see that you’ve taken a strong interest in keeping your property safe, so it may make sense to spring for a wired alarm system connected to a private security company (who doesn’t have to compete with the police if something does go wrong). 

Disaster Sensors 

Smart smoke alarms, carbon monoxide detectors, water sensors: there are plenty of devices a homeowner can purchase for a home in Plano, TX that will help them prevent serious damage in the case of a disaster. This technology can alert a homeowner immediately of danger on their smartphone or tablet, making it more likely help will arrive in time. If you want to learn how to make your home safer and potentially bring down your premium, call Paragon Independent Insurance Agency today. We’ll give you all the facts if you’re in the market for a security system.

When you had a mortgage on your home, protecting it with home insurance probably seemed like a good idea…it may have even been required by your lender.  Now that you have paid it off, it may be tempting to let that coverage go.  But consider what you would do if something happened that damaged or destroyed your home.  Home insurance policies protect you financially in many ways.  Leaving yourself vulnerable without coverage can mean financial ruin should a disaster occur.  The team at Paragon Independent Insurance Agency work with homeowners in the Plano, TX area.  They understand your concerns and will work to get you quality coverage for the best price. 

Home insurance protects the home, structures on the property and personal possessions.  If someone is injured on the property, the liability policy provides protection.  Most policies cover a wide range of events such as fire, weather, and theft.  Your agent can help you understand what is covered and what isn’t.  For instance, water damage from faulty plumbing might be covered while water damage from a flood won’t be. 

Home policies cover personal items such as clothing, furniture, electronics, and jewelry.  It will also cover plants on the property with a few exceptions.  If you have highly valuable collections such as firearms, jewelry or artwork, you need to talk with your agent to ensure that you are covered.  Also, if after a disaster, the house is uninhabitable, the policy will pay for your additional expenses (hotel, restaurants) until repairs are made.  The team at Paragon Independent Insurance Agency know the issues that homeowners in the Plano, TX area face.  Don’t risk the investment you’ve made in your home, visit their website then call or come in today!