Have you ever wondered who may be covered under your insurance policy for your home in Plano, TX? We asked our Paragon Independent Insurance Agency experts about it, and here’s what we found out. We’ll share with you the following basics:

• Family members who reside in your home are likely covered by your home insurance. The most obvious examples are your spouse and children. Other family members, such as in-laws and grandparents, also qualify if they live with you, too. And if your children are away at college, they may be able to benefit from the property and personal liability terms of your policy.
• Tenants who are paying rent or lease in your home won’t be covered, though. If you’re renting a room or part of your home to a tenant, your homeowner’s policy still covers the whole building structure. But if your tenant wants peace of mind about their liability or belongings, they will need to purchase their own renter’s insurance policy. This type of policy will be theirs alone and separate from your home insurance policy.
• It never hurts to ask your insurance agent if you’re not sure. If you are unsure about a certain situation being covered by your home insurance, read through your policy carefully. If anything in the terms doesn’t seem clear to you, your insurance agent will help you clarify any legal specifications to answer your questions.

If you have further questions regarding your homeowner’s insurance in Plano, TX, contact us today at Paragon Independent Insurance Agency. One click at our ‘Customer Service’ tab is all you need to get in the right direction. We can help you navigate the complex terms of your policy and help you understand how it works to your advantage.

If you’re looking for different ways to save in Plano, TX, then you’ve probably looked at mutual funds, CDs and high-interest accounts. However, what if the best way to save was to invest in your auto insurance? It’s not as odd as it may sound, and Paragon Independent Insurance Agency wants you to know more.

The Accidents of Our Lives 

All of us make mistakes on the road, no matter how careful we are. Auto insurance is what can make those accidents go from one bad day to years of bills you can’t afford. When you get the bare minimum of coverage, you may be shocked at just how much money you owe if you cause major property damage or injuries to another party. That’s because there are limits on your current policy. While your monthly premium might go up should you choose to extend your limits, the total cost may pale in comparison if you don’t. Insurance companies have a difficult job in getting people to realize the risks that they take. Just because there’s a chance that you’ll never be involved in an accident, doesn’t mean you should rely on that chance when it comes to your money.

Our Mission

Paragon Independent Insurance Agency has the staff who can help you think long-term. We know how valuable our services can be because we see it every day. There is a stark difference between someone who has prepared for the worst and someone who signed up for the least expensive policy. Our agency is devoted to helping the people of Plano, TX get exactly what they need when they need it. If you have questions about how we can help or about our rates, then give us a call today.

According to Zillow, the Plano, TX housing market is hot right now – and not because of the weather.  The average home price is $314,900, and the housing market, in general, is considered very healthy with a score of ten out of ten. This is a good time to upgrade to the house of your dreams by selling an existing property, moving to the area and purchasing a home, or simply making the transition from renting to owing in Plano, TX.

Reasons to Live in Plano, TX

According to Texas Five Star Realty, Plano is a great place to live.  In 2013, Plano was ranked as the best place to live in the US by Area Vibes.  And it was ranked the best place to live in the Western United States by CNNMoney Magazine for the years 2005, 2006, 2011.  The other years, Plano has been letting some other cities have a turn at number one, but for residents of this Lonestar city, it will always be numero uno.  What else makes Plano a great place to live is that is it one of the safest places to live in the United States.  It has an AAA credit score and has been considered one of the best housing markets in the country since 2012.

Homeowner’s Insurance from Paragon Independent Insurance Agency

If you plan on investing in real estate in Plano or are looking to save money on an existing homeowner’s policy, Paragon Independent Insurance Agency can assist you.  Our highly trained professional insurance agents know how to help you choose the right policy for your Plano property at a reasonable price. Call us today at 972-473-4813 to speak with an agent.

Home insurance is something that can be a great boon for anyone dealing with damage from natural disaster, theft, or other issues but many people have no idea what type of coverage they need. Each geographical location has different concerns when it comes to what type of insurance you need. For those in Plano, TX for instance, flood insurance is not likely to be something you would need.

One very common concern for home insurance is what coverage do you really need and what coverage can you do without. As a general rule, most basic home insurance policies cover things like fire, break-ins, and other damage that is associated by what agencies deem “acts of God” or events that could not have been prevented like a tree falling on your home as the result of a wind storm or your home being flattened by a tornado.

This type of insurance policy is going to cover the basics and is going to keep you safe. Other things that a basic policy might cover that you could be concerned about  are things like people being injured on your property and helping to cover their medical bills. Again, most policies are going to cover a certain monetary value to help with bills.

Some other concerns you might have are is your coverage enough. The best way to remedy this issue is to talk with your agent to see what type of policy you may need and to have your home properly valued so that you can rebuild should you choose to in the case of a disaster. Your home insurance is in place to help protect your home and your own finances in the case of the destruction of your home. Taking into consideration your geographic location, like those in Plano, TX can help you determine what coverage you need.