West Texas Insurance Agency

3702 Mockingbird Ln
Amarillo, TX 79109

Useful Home Insurance Tips for New Homeowners

There is satisfaction in owning a home and unexplainable freedom if it’s the right one. But buying and owning a home also means purchasing homeowners insurance to protect your family and belongings. While in Amarillo, TX, the law doesn’t require you to have home insurance, it still serves your interest to have a policy. As West Texas Insurance Agency, we will guide you on useful insurance tips to consider as homeowners.

Research and Get the Facts

Gather relevant information when you find a home to determine its potential insurance requirements and costs. With the plumbing, electrical, landscaping, construction, and other maintenance costs, it is easier to affect your premiums. It is important to review and get facts about the costs before settling for a home insurance policy.

Know Your Limit

It is easier to go over your premium limits than it is to get underinsured as a homeowner. It is essential to understand your premium limits and what they will cover before buying a policy. Let your home’s market value reflect the potential amount you can get in coverage and monthly premiums to pay.

Work Towards Complete Coverage

Most home insurance policies only cover your home’s structure and part of your personal belongings. This is, however, not satisfaction in a home with kids and seniors. As a new homeowner in Amarillo, TX, you should work towards complete coverage for better results.

Seek to Protect Your Financial Assets

Did you know a home insurance policy could go a long way into covering your financial wellbeing? The focus should be on repairing and replacing your property and also on your financial assets through liability coverage.

Secure and Keep Your Records Current

Accidents, emergencies, or the unthinkable can occur, and the only option can be filing a major insurance claim. As a homeowner, ensure you have up-to-date records of everything in your house, including its structural condition. This is vital as it will, in the long run, affect the relevance of the policy you have.

The information you have about home insurance can affect the decisions you make. For professional guidance and more helpful tips, contact West Texas Insurance Agency today and meet your goals.

The Role of the Commercial Insurance in Risk Management

Running a business comes with various challenges. You’ll face numerous risks that threaten the existence of your investment. For this reason, you need to safeguard it against expected and unexpected problems that may occur. There’s no way you can avoid these business risks entirely; you’ve to adopt effective business protection measures. 

One of the prudent decisions you can make is purchasing commercial insurance. It will protect your business from common risks that can bring down a company you’ve struggled to build for so many years. 

So, what are the business risks that you can minimize by purchasing commercial insurance? Our experts at West Texas Insurance Agency are here to help Amarillo, TX residents understand this topic. 

Property Damage

A good risk management program must consider how to deal with property damage. Hurricanes, fires, and floods can damage the physical structure of a business. The damage caused will disrupt the daily operations of your business, which will lead to lost profits. 

What should you do? Getting commercial insurance coverage is the first line of defense against property damage— however, not just any coverage. You need to ensure that the policy covers property damage and everything is insured to the right value. 

Human Capital

If you’ve employees, you’re probably facing multiple risks. When carrying out their mandates, employees get involved in all manner of accidents, which leave them injured or ill. When such situations arise, your business will spend a lot of money covering losses arising from the employee’s absence from work. You’ll also need to pay for medical expenses arising from the accident. 

What should you do? Commercial insurance coverage keeps you safe from the risks that come with employing workers. Workers’ compensation is included in most commercial insurance policies, which means you will be mitigating risks that can bring down your business.

Manage Risk with Commercial Insurance

As you can tell, there’s a direct correlation between risk management and business insurance. Risk management is all about managing the perils that may bring your business down, and insurance is right there as the first line of defense.

Do not miss out on these benefits of commercial insurance in risk management. Contact our West Texas Insurance Agency agents in Amarillo, TX, for immediate assistance.

Do I need an auto insurance plan in Texas?

Those that are living in the Amarillo, TX area should consider buying a car as it will make it a lot easier to get around this area of Texas. If you do decide to invest in a vehicle, there are a lot of responsibilities that come along with it. One responsibility that all people will have will be to carry a proper insurance plan. There are several reasons why this coverage is a necessity.

Coverage is Needed to Comply with State Law

A good reason to get an auto insurance plan when in Texas is so you can comply with the state law. Any driver in Texas is obligated to at least carry the basic minimum level of liability auto insurance coverage. If you do not carry this protection at all times you are risking a variety of penalties. 

Coverage Needed to Protect Car

Buying a car is a very big investment and is one that you should aim to protect as well as possible. If you get a full auto insurance plan in this area, you can receive collision and comprehensive protection as well. This insurance coverage will help to offset many risks including the risk of theft, accident damage, or vandalism. 

If you are a resident of the Amarillo, TX area, it will be a good idea to always have auto insurance. If you are looking for a new plan when you are in this area, speaking with the team at the West Texas Insurance Agency is a good option. If you do call the team with the West Texas Insurance Agency you can learn a lot about how this insurance can protect you. They can give any support needed for you to build an appropriate plan that meets your needs. 

Does Homeowners Insurance Cover Pet Damage?

When getting a homeowner’s insurance cover, you’d want to know what it entails. The question of whether the insurance covers pet damage is common among homeowners. If you insure your home with West Texas Insurance Agency in Amarillo, TX, you’ll get insights into what the insurance covers regarding pet damage. 

Keep reading to know more about homeowner’s insurance and pet damage. 

The Type of Pet Damage Covered by Your Insurance 

Your insurance won’t pay for damages that your pet cause in your home. The insurer considers the policyholder as responsible for what the pet does. If your dog breaks your new iPhone, or when a kitty scratches your walls, you’ll be accountable for the damage. 

The policy doesn’t also cover any veterinarian visits. Your vet bills are your responsibility.  

There are instances where the home insurance comes through with pet damage. 

Property Damage Liability 

If your fluffy puppy destroys your neighbor’s property, the homeowner’s policy can cover the damage. The insurance policy will cover any fee needed for repairs or replacement. It further provides fees if you face a lawsuit. 

Bodily Injury Liability 

Homeowner’s insurance can cover injuries that your pet cause on other people. The insurance will compensate for the fees you have used on medical payments. It further covers any legal expenses related to the incidence. 

It is crucial to talk to your insurance company to be clear on pet damage. You can request the information to understand the extent of pet damage that the insurer will be liable for. With the right details, you’ll be in a better place to establish the ideal premiums. 

At West Texas Insurance Agency in Amarillo, TX, our incredible customer service team will provide you with insights on home insurance and what it covers. Get in touch to know more about homeowner’s insurance and pet damage. 

Why do you need auto insurance in Texas?

In the Amarillo, TX area, owning a car can be a good option for anyone. Those that would like to buy a car here will find that it is a lot easier to get around town and complete your required tasks. Along with a car, you also need to pick a quality insurance plan. There are a few different reasons why you should choose an auto insurance plan when you are here. 

Insurance Protects Vehicle

A primary reason that you need to get an auto insurance plan is that it will protect your vehicle. A vehicle is an important investment that people in Texas need to protect. If you get a full policy with collision and comprehensive protection, the plan will give you protection for virtually any scenario that could result in a loss. 

Insurance is Required by State

You will also need an auto insurance plan because it will be required by state law. Those that want to drive a car in Texas will always need an auto insurance plan to be in place at all times. State law requires that all drivers have liability coverage, which ensures that someone at fault in an accident will be able to pay for the damages that were caused in the collision. 

Those that want to own and drive a car in the Amarillo, TX area clearly need to get auto insurance for it. When you are going to look for a new policy in this area, you should call the professionals with West Texas Insurance Agency. It is always an important decision when you need to choose a new plan. The team with West Texas Insurance Agency can help you better assess your options and choose an insurance plan that is right for you. 

Winter Variables That May Impact Your Commercial Insurance Policy

For over 20 years, West Texas Insurance Agency has served the Amarillo, TX community through offering residents multiple types of insurance policies. We strive to help our clients find the coverage they need to minimize risks, while also providing excellent customer service.

Winter Variables That May Impact Your Commercial Insurance Policy

As an Amarillo, TX business owner, you have to manage multiple responsibilities as you operate your business. Commercial insurance is an important resource that helps you protect the long term future of your business. Generally, the policy will cover your business during potential liability disputes involving your employees and customers. The policy also covers any damage to your business’ inventory and physical property. As the season’s change and the weather starts to get colder, your business must adjust. Here are some winter variables that may impact your business.

If you have a commercial auto policy for your business, you may need to alter it to prepare for winter. Winter driving conditions are especially dangerous. Liability coverage will protect your vehicle if you are involved in a collision. Your vehicle will also be protected if falling ice or tree branches damage it.

Make sure that you shovel the snow regularly around your business and put salt down to avoid potential liability disputes. Liability coverage will protect you if one of your customers suffers an injury on the property. Worker’s compensation will cover your business if one of your employees gets injured in the workplace.

Potential power outages are another potential variable that you’ll have to deal with during winter. Make sure that you have a generator in the event of a power outage so that your business can continue to function properly.

Consult With West Texas Insurance Agency

Visit our website to learn more information about commercial insurance.

3 Scenarios Where You’d Need Home Insurance in Amarillo, TX

Home insurance is mandatory in Amarillo, TX in order to get a mortgage. Even if you own your home outright, it’s still a smart idea to have home insurance. Why? At West Texas Insurance Agency, we’ve put together a short list to answer this question. Read on to learn about three scenarios where you’d need home insurance or be out of luck. 

1. Injury on Your Property

You have a holiday party and invite friends and family, who bring their own friends. One of those friends slips and falls on your bathroom floor and bonks their head on the sink, getting a minor head injury. They, in turn, decide to sue you. Home insurance will help cover the cost of litigation. Otherwise, you’re left paying lawyer fees and court fees out of pocket. 

2. Fire

No one ever expects their house to catch on fire, but it does happen. That’s why you should have a plan in place just in case a fire were to break out. Make sure all your family members have memorized the escape plan and practice it until you get it perfect. If your home were to catch on fire, you can have peace of mind knowing that an insurance claim will help recoup the financial loss and put you up in a hotel. 

3. Theft

You may do all you can to prevent theft of your home, but it can still happen. If your home is burglarized, you’ll need home insurance to help you recover your losses. Typically, there is a deductible for this type of coverage, but once the deductible is met, your policy reimburses you for the rest.

To learn more about purchasing a home insurance policy, contact the team at West Texas Insurance Agency, serving the Amarillo, TX area. 

The Essentials of Safe Driving

According to the National Highway Traffic Safety Administration (NHTSA), there were more than 36,000 traffic accidents that resulted in death in 2018. It’s imperative to make sure you’re safe every time you get into your vehicle. In Amarillo, TX, the independent agents at West Texas Insurance Agency would like to give you a few tips that are essential to driving safely.

Obey the Speed Limits

It’s just as dangerous to drive fast as it is to drive too slowly. Don’t go too far under the speed limit on highways or interstates. If you find that you are driving slower than others, you should get into the far-right lane. If your car is in distress, then you should turn on your hazard lights until you get to where you are going.

Always Wear Your Seatbelt

Seatbelts are meant to protect drivers from serious injury if ever you were in an accident. Seatbelts were designed to keep you restrained while the car is being impacted. Without a seatbelt, you could hit the steering wheel or the windshield. Some crash victims have been thrown from the vehicle entirely as a result of not using their seatbelt.

Never Drink or Use Drugs

Drinking while driving can alter your perception when you’re behind the wheel. Drugs can do the same. Not just illegal drugs, such as heroin or cocaine, but legal drugs prescribed by a doctor. Prescription medications, such as painkillers or muscle relaxers can slow your reaction time. Find out how your body reacts to them before getting behind the wheel.

One of the safest ways to drive is to have insurance. Just in case you’re involved in an accident you’d be covered. Check out the West Texas Insurance Agency in Amarillo, TX for your auto insurance needs.

Commercial Insurance Options

While business owners in Texas are not required by law to carry workers’ compensation insurance or business liability insurance, it sure is a good idea. You’ve worked hard to open your business and invested tons of time and money into it so you want it to be successful and very well protected. The best way to protect your business is through obtaining a commercial insurance policy

Workers’ Compensation Insurance

Workers’ compensation insurance will cover your employees if they become injured or ill while working for you on their job. This part of your commercial insurance policy covers their medical expenses and lost wages while they are recovering.

Commercial Business Liability Insurance

Liability insurance for your business will protect you if a person is injured while visiting your business or due to something related to your business. For example, if you own a tree trimming service and a branch falls from a tree and hits someone in the head, this part of your policy will cover the medical bills for that person. It also covers property damage so if one of your workers drops a tree on someone’s house and there’s damage to the house, this part of your policy will pay for that. Commercial liability insurance will also help pay for any damages caused by a personal or advertising injury, such as slander or libel.

Other Coverage Options

Commercial property insurance will cover your business if there is a break-in or a theft that occurs along with your business becoming damaged or destroyed by a fire, vandalism, or natural disasters, such as a tornado or hail storm.

To create the best commercial insurance policy for your business, you need to enlist the assistance of an experienced commercial insurance agent. The agents at the West Texas Insurance Agency in Amarillo, TX will help you create the best policy for you and your situation. Call for an appointment today!

Why some Home Insurance Claims may be Rejected when Filing a Claim in Amarillo, TX

When you purchase a house, getting home insurance is the next logical step to take. However, it is imperative to read your policy carefully. You need to know the exact terms and conditions that are required to file a home insurance claim  West Texas Insurance Agency can assist you with understanding your policy so that your insurance claims are not denied. Here are some common reasons that a home insurance policy company may deny your claim. 

Not Filing Your Claim in Time and Not Having an Inventory of Your Belongings

Texas law states that you need to file home insurance claims within 15 days. This is because filing an insurance claim is a time-sensitive manner. Insurance companies need to see that damage incurred because of a specific reason that is covered in your policy. Claims are often rejected if the homeowner doesn’t have a comprehensive list of their property and the value of each item. It is a good idea to do a home inventory checklist as soon as you purchase your new premium.   

Making Late Payments or Missing Payments 

If you are late on paying your insurance premium or missed a payment, a lapse in coverage might have occurred. If something happens when your home insurance policy has lapsed because of nonpayment, then your not covered until you catch up on the balance that you owe. Getting calendar reminders, or setting up automatic payments, can help avoid getting an insurance claim denied. 

It is Not Covered in Your Policy or is Negligence of a Contractor or Someone Else 

If you hire a contractor and they cause significant damage to your property, it is your responsibility to pay it. You are responsible for the people that come in and out of your house or on your land. The reason for homeowners insurance is to protect what you own from circumstances that are out of your control. You can control, however, if your home is properly maintained. An insurance company isn’t liable for damage caused by negligence to maintain the basic upkeep and repairs necessary as a property owner. 

Other Reasons that a Claim Can be Denied   

Your policy clearly outlines what is and isn’t covered. If your home in Amarillo, TX incurs damage or mold from a water leak that is continuous, your claim may be denied. It will only cover these situations if it is caused by a covered risk in your policy. Your policy will also outline how long you can be vacant from the property and still be covered in case of damages due to vandalism, theft, or other instances that may occur. Earthquakes are also not covered. Wind and hail storm damage art covered when it affects your actual home or belongings, but no damage to trees and shrubs. Contact West Texas Insurance Agency to speak to an agent who will explain your policy to you in detail. They will clearly detail what your rights are as a homeowner who wishes to file an insurance claim.

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