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.
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.
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.
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.
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.
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.
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.
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!
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.
Did you know that insurance providers use your driving record to calculate your auto insurance premiums? Being an aggressive, reckless, and unlucky driver In Amarillo, TX can cost you more than you can imagine. No company wants to ensure a driver who is always filing claims. West Texas Insurance Agency is all about helping you stay safe on the roads. That is why it will cost you more for having a poor driving record.
My driving record and my insurance policy, how are they connected?
How does your insurance company know that you slipped in the first place? Auto insurance companies are thorough enough to check how you have been behaving on the roads. Therefore, any car infraction you are involved in is tagged to your driving record by the government. The more the violations, the more tarnished your driving record becomes. However, not all violations are included. Simple violations like busted taillights, parking tickets, or failure to update insurance paperwork only come with fines.
What factors affect my driving record?
There are many factors that can affect your driving record—some being more detrimental than others. Additionally, insurance companies in Amarillo, TX have different policies for specific driving record tarnishes and may focus on particular factors. Some of these factors include:
- Speeding tickets
- Overdue bills or late payments
- Getting a traffic ticket in a construction or school zone
- Too many insurance claims
It is almost impossible to determine how much your insurance company can raise. Some violations can be forgiven while others may not. For instance, if it is your first time to get a speeding ticket, and it is the only violation in your record, your insurance company may forgive and keep the rates intact. If you have more than two violations, your insurance premiums will obviously go up.
Safe driving means owning a clean record. At West Texas Insurance Agency, we care about your safety and the safety of other road users. Feel free to contact us with questions about auto insurance.
Owning a business can be a great idea for someone that is willing to work hard and has a great idea. If you are looking for a place to start a business, coming to the Amarillo, TX area is a great option. When you do come here, there are many local benefits and amenities that can help you to be successful. To ensure that your business is protected, you should get a commercial insurance policy as it provides a range of different forms of insurance coverage.
One of the important forms of coverage that you will receive with your commercial insurance policy is asset protection. Starting any type of business will always come with the need to purchase commercial assets. Due to the investment that goes into this purchase, you need to protect it as well as possible. A great way to do this is by getting a commercial insurance policy as it will provide coverage to repair or replace the asset in a situation that results in a loss.
One serious risk that all business owners need to take into consideration is their risk of liability. No matter what you sell or provide, there is going to be a chance that you could cause an injury to another party. If this occurs, you could face serious liability risk. Your commercial insurance policy will provide you with protection against this risk.
When you are a business owner in the Amarillo, TX area, getting into the right insurance policy is very important. The team at West Texas Insurance Agency can help you to do that. When you call the West Texas Insurance Agency you will receive the guidance and support that you need. This can include helping you better understand your needs and options.
Living in the Amarillo, TX area is a great option for a lot of people. Due to the strong local economy, it is also a good place to purchase your own home. When you are looking to buy a home, it is important that you carefully consider your insurance needs. There are several reasons why you need to get a home insurance policy for your Amarillo home.
Provides Valuable Forms of Coverage
One of the reasons why you need home insurance is because it will provide you with valuable coverage. When you purchase a home, you are going to be making a very significant investment that needs to be properly protected. This insurance policy will protect both your dwelling and your personal assets. Additionally, when you get a home insurance policy, you will also receive liability coverage that will protect you if you are found liable for an accident that occurs in your home.
Required by Lenders and Associations
Another reason that you may need to get home insurance is that it can be required by your lenders and association. If you have a mortgage loan, the lender will require that you carry home insurance to protect their collateral. Further, if you live in an area with a home association, there are often requirements in the bylaws that will insist you carry home insurance at all times.
Buying a home in the Amarillo, TX area is a big decision. If you are going to buy a home here, it is important that you get it properly covered by insurance. When you need to get home insurance, you should call the West Texas Insurance Agency. The team at the West Texas Insurance Agency will explain all of your options and help you to select a policy that is right for you.