Home insurance is a very important thing to have if you want to protect one of the biggest purchases of your life. While it is not a requirement by law to have one in Plano, TX, it is still a good thing to have. These are just a few things from Paragon Independent Insurance Agency you will want to consider before purchasing home insurance.

1. Make sure your policy covers 100% of the replacement cost. You do not want to skimp on your home insurance. You should always make sure that your policy coverage the total value of your home in case something happens and you have to rebuild from scratch. 
2. Look for liability coverage. Making sure that you are protected in terms of replacement is one thing but you also want to have liability coverage. This is good to have especially if you want to protect yourself from any liability of anything that happens on your property. This would include a landscaper getting injured on the job or even a friend or family member who does the same. If they try to sue you, your liability coverage will kick in. 
3. Look for gaps in coverage. Home insurance policies are not all the same and you want to make sure you have complete coverage. Look for things like flood coverage or other things that may not be included. Have them added if possible or look for other policies to take care of these gaps. 

Your home is likely the biggest purchase you will ever make in your life and because of this, it is important to ensure that it is protected no matter what. Home insurance can do that for you and if you are interested in learning more, contact Paragon Independent Insurance Agency serving Plano, TX.

For the most part, home insurance is a major benefit that helps homeowner’s determine how much your policy covers and how much is left to chance. For those that have a policy and are wondering if it covers basic home repairs, keep reading. For those in the Plano, TX area, the agents with Paragon Independent Insurance Agency can help you to determine just what your policy covers.

The majority of policies are only going to cover damage that is not routine. This means that they are not going to cover age related issues, not going to cover things like damage that is related to normal wear and tear and more. For the most part, home insurance policies are simply in place to prevent the deterioration of the home as the result of any major damage that is out of the ordinary. This means things like damage from storms, fire, water damage from burst pipes, damage from pets, and even injury to people that are in your home.

The idea behind this is that you should be maintaining your home on a day to day basis as a homeowner and should not need a policy to cover the repair of daily issues. As something in your home ages, you should replace it before it becomes a huge issue so that the home will maintain its value and so that you can keep the home in good shape. Most policies are only going to cover things that are out of the control of the homeowner. This means things that you cannot prevent with routine and regular maintenance that you would provide your home simply because you own it and live in it.

For those in the Plano, TX area, the agents with Independent Insurance Agency can help.  

As time goes by, homeowners have a tendency to get comfortable in their daily routines. Most days nothing goes wrong, and it may start to feel like every day will be full of fairly predictable events. But that’s not the way life works. Over time, things can happen to your home that you may not even notice at first, or major events may occur with no notice at all. Find out more about when to change your home insurance in Plano, TX with these tips from Paragon Independent Insurance Agency. 

Shifts, Purchases, and Remodeling 

Your home is constantly changing. Foundations may shift, the mold may build up in the basement, and trees may start to lean with the weather. Or you may change your home to fit your aesthetic tastes. Whether that’s by bringing in an expensive piece of art to put in your living room or by installing recessed lighting into your kitchen ceiling, you’re improving the value of your home. Regardless of whether or not the change is for the good or the bad, you want to make sure that your policy is there to help you when you need it most. If you have expensive repairs or replacements after a storm or a vandal visits your home, do you know how you’ll pay for it all? If not, it’s time to talk to Paragon Independent Insurance Agency. 

It’s Our Job 

This is what we do to help Plano, TX stay safe. We help you change and update your insurance policy as you need to, and we make it easy to understand why you’re doing it in the first place. To find out more about our mission, give us a call today if you’re looking to get a makeover on your current policy. 

Home insurance is more than just protecting the structure of the house. It is also about protecting what is inside. This includes appliances and technology. These are some of the more expensive items within the home and, in the event of a fire, you can’t easily pick up and run outside with. At Paragon Independent Insurance Agency, we want to make sure your Plano, TX home is properly insured, including your valuables and appliances. 

Washer and Dryer

Beyond just potential loss in a fire, washers and dryers often experience the most trouble in terms of needing repairs. From the moving parts to the electrical, gas and water connections, few appliances are susceptible to the kinds of problems as these two devices. 

New Water Heater

A water heater isn’t always extremely expensive. Your brand new television likely costs more than a traditional tank water heater. However, if you invested in a tankless water heater you not only invested into your home but you decided to go green with the purchase. A tankless water heater will save you money over time, but the upfront sticker price is high. In the event of a major electrical surge or a home fire, this is an expensive item to replace, so consider insuring it. 

Entertainment System

While not a traditional appliance, your home entertainment system may be worth thousands of dollars (if not more). These are also top targets during a break in. Due to this, consider insuring the entertainment system in your home.

Each individual is different and every home is different. At Paragon Independent Insurance Agency we know this, that is why we prefer to sit down with every home owner in order to discuss the right kind of insurance for their individual needs. Whether you live in Plano, TX or the surrounding area, you need to consider insuring these different appliances, in addition to other appliances you have invested your time and money in.