West Texas Insurance Agency

3702 Mockingbird Ln
Amarillo, TX 79109

Home Insurance Options To Consider

Finding the right kind of home owner’s insurance is a very personal matter. There is no one-size-fits-all approach to insuring your home. You have a different property from the person next to you. You have different valuables inside and you have a different family. All of these are elements you need to consider when selecting the right home insurance add-ons. If you live in or around Amarillo, TX, West Texas Insurance Agency is here to help you find the right insurance options for your property. 

Flood Insurance

Sure, it doesn’t rain all the time in Amarillo, but when it does it often overwhelms the region. The ground your property is on accustomed to absorbing heavy rainfall. Additionally, if you have a plumbing line burst during the winter, it may flood your property. That is why you should consider flood insurance. 

Window Insurance

Do you have children? Do they love to play baseball and be active around the house? If so there is a greater chance of having a cracked window. Your home insurance may cover some damaged windows, but when it is human error you might receive limited coverage at best. With some additional window insurance, you’ll protect your property from this kind of damage. 

Added Liability Insurance

If you live in a crowded area with a good amount of foot traffic you may want to consider added liability insurance. This will help protect you if someone slips and falls on your property and then attempts to file a lawsuit against you.

The best way to determine the right home insurance options for your own home is to talk to the team at West Texas Insurance Agency. Here the team will help walk you through the selection process and go over the best way to protect your home. So, if you’re interested in understanding how to insure your home and you live around Amarillo, TX, now is the time to give the team a call. 

How to Take Care of Your Car This Summer

Here at the West Texas Insurance Agency serving the Amarillo, TX area, we know a thing or two about taking care of cars. One of the smartest moves you’ll ever make to take care of your car is to put insurance on it. More importantly, insurance that is customized to meet your exact needs. Here’s a look at a few other tips you should follow for taking care of your car this summer. 

Take Care of Coolant System

It’s always important to ensure your car has enough coolant liquid in it. From the coolant hoses to the coolant reservoir, these parts of the car should be inspected regularly during the summer. If there is any damage to the coolant system, you will need an auto repair specialist to fix them as soon as possible.

Replace the Wipers

It might be sunny and hot in Texas, but it tends to rain some during the summer. There’s nothing worse than being stuck out on the road in the rain with no wipers. A great way to avoid this is by replacing the wipers now.

Take the Car to a Mechanic

Lastly, take the car to the mechanic at least once this summer for routine maintenance. Ideally, you’ll take it when you need an oil change. The mechanic can do everything from changing the oil to rotating your tires and more. 

Contact the West Texas Insurance Agency serving the Amarillo, TX area today to learn more about summer car care tips. You can also speak with one of our agents about taking care of your car with a customized insurance policy.

Commercial Insurance and Home-Based Businesses

Commercial Insurance and Home-Based Businesses

At West Texas Insurance Agency of Amarillo, TX, we talk to a lot of people who think that their homeowners’ insurance covers their home business. That’s not accurate. Your home-based business still needs commercial insurance.

Homeowners’ insurance covers normal home activity and your liability from it. It does not include business activity or business equipment. You still need to insure it like a conventional company.

You need commercial insurance designed for a home-based business. It provides you with property damage coverage, liability coverage and covers your attorney costs and fees. Other items that this insurance covers for your home-based business include libel or negligence claims and computer hacks or IP theft. While those last two items might not sound like something you need to worry about, hackers actually target small businesses first because they’re least likely to have protected in place.

While your first thought as to why to get it might be covering losses in cases of a fire or a tornado, it’s more common to need the liability coverage. Once you start meeting with people at your home office or have deliveries made to it, you open yourself to liability. If someone falls and hurts themselves, you’re liable for their injuries. Your commercial insurance kicks in to pay for the medical bills of the injured person. If they die due to an injury sustained on your property, it covers the funeral expenses and can cover a court settlement. Trying to pay those types of items out-of-pocket could close your business.

Call or visit West Texas Insurance Agency of Amarillo, TX to learn more about commercial insurance for your home-based business. We can help you find the coverage you need to protect your business and investment.

5 Ways To Protect Your Family With The Right Auto Insurance

As you’re driving around Amarillo, TX, it’s important that you have the right auto insurance policy. There are a few ways that policy can work to protect your family.

At West Texas Insurance Agency, we’re here to guide you towards the best policy. There are a number of auto insurance requirements in Texas, so it’s important to adhere to them.

First, remember that it’s important to meet at least the state minimums. Driving without insurance can result in being ticketed by a police officer.

Second, the right auto insurance policy will protect your finances if you’re involved in an accident. You don’t want to be financially responsible for car repairs, medical bills, and more if you’re at fault.

Third, you want to know that you have the ability to get your vehicle fixed if it gets hit by a shopping cart in a parking lot or a truck throws a rock at your windshield on the highway. Comprehensive coverage can protect you against all sorts of non-driving related incidents.

Fourth, you want to know that you have coverage if there’s a break-in. Unfortunately, vehicles do get broke into around Amarillo, TX from time to time. Having the right policy will allow you to file a claim.

Finally, you can protect your family by having coverage against the uninsured and underinsured. Although it’s a must to have insurance on the road, not everyone follows the laws. You can add this coverage so that you don’t depend on someone else having insurance even though they were at fault.

It can be overwhelming to find the right auto insurance. By talking to an independent insurance agent at West Texas Insurance Agency, we can help you find the coverage that you need. We’ll even help you comparison shop quotes for an affordable premium. 

Must Have Home Insurance for New Homeowners

You just bought your first home and are ready to get homeowner’s insurance. Where do you start? Home insurance is how you’ll protect your valuable investment for years to come. At West Texas Insurance Agency in Amarillo, TX, we can help you find the protection you’re looking for at a cost you can afford.

If you’re buying home insurance for the first time, here are some of your best coverage options:

Dwelling Coverage

Dwelling insurance protects your home’s structure along with any attached parts such as a sun porch, balcony or garage. If your structure were to suffer damage from a fire, storm or other covered peril, your insurer will pay for repair or replacement costs, up to the limits on your policy. As homes are expensive investments, your dwelling protection should cover the cost of rebuilding your home if it suffers a total loss.

Personal Property Coverage

This coverage protects your belongings to include furniture, appliances, electronics, digital devices, clothes, heirlooms, and other personal items. If you own expensive goods, you should consider replacement cost coverage as it covers the cost of replacing anything that’s stolen, irreparably damaged or lost.

Liability Coverage

This insurance pays for the medical expenses of visitors who are injured while on your property. If your friend falls down the stairs and breaks his leg, liability insurance will cover his medical costs. Liability coverage also covers legal fees if you’re sued for damages due to accidental injuries that occur on your property.

Each of these coverage options come with default limits which can be increased or decreased to suit your need. By customizing your coverage, you can get more protection from your home insurance policy.  

To learn more about home insurance coverage and costs, contact West Texas Insurance Agency in Amarillo, TX today.

Should You Add Your Teenage Child To Your Auto Insurance?

Having a teenager that drives in your home in Amarillo, TX can be scary enough. You don’t want to have to worry about whether they are covered as they drive around town. Knowing when to add them to your auto insurance is critical.

What about my teen driver?

At West Texas Insurance Agency, our goal is to answer questions and provide adequate coverage through insurance policies.

As soon as your teenager has their learner’s permit, they are going to be behind the wheel of your vehicle. If they get into an accident, you want to make sure that the insurance claim is taken care of.

Additionally, you want to make sure that you have plenty of coverage in place. You are a seasoned driver. Therefore, you may not need as much liability coverage. However, a teenage child has not had a lot of experience. They may cause more damage if they get into an accident. To avoid paying too much out of pocket, it may be a good idea to boost coverage limits on your policy.

Some parents wonder whether they should add a child to their own auto insurance or make the child get it on their own. Generally, it is more affordable to add them to your policy as opposed to them getting their own. This is because you will get multi-driver discounts. Plus, they benefit from you being a safe driver. Otherwise, they could end up spending a small fortune on insurance because they are identified as the new driver and, therefore, carry a lot more risk with them.

The best thing that you can do is to protect your teenager in Amarillo, TX. As soon as they have a learner’s permit, contact us at West Texas Insurance Agency. One of our independent insurance agents can take you through the process of adding a teenage child to your auto insurance policy.

 

3 Tips for Keeping Your Homeowners Policy Affordable

The agents of West Texas Insurance Agency serve residents who live in or near the Amarillo, TX area. Their ultimate goal is to help their clients get the best rates possible for the insurance policies they purchase. There are several ways to cut monthly costs without lowering your coverage. A few of the most common ways to save money include the following.

Home Security System

Installing a home security system may make you eligible for discounts in terms of your homeowner’s policy. This is especially true if the system sends alerts to a third-party monitoring center. While there are several different brands of home security systems, most are recognized by insurance agencies for the benefits they offer to consumers.

Raise Your Deductibles

Raising your deductibles is one of the quickest ways to lower your monthly insurance payments. By agreeing to maintain a higher level of financial responsibility, your insurance premiums will start to decrease. The higher your deductible, the lower your monthly premium.

Bundle All of Your Policies

Another way of saving money on monthly insurance costs is to bundle your policies. Bundling your home, auto, and boat/motorcycle insurance in one policy can lower your monthly premiums dramatically. By having all of your policies with one company, you can pay one premium to cover them all. No more multiple payments or mixed up billing dates.

Everyone wants to learn how to save money, especially when it comes to insurance policies. If you live in the Amarillo, TX area and have questions about your homeowner’s policy, call the agents at West Texas Insurance Agency. They can review your existing policy and make sure you have the best coverage possible at an affordable cost.

What You Need to Know About Auto Insurance Telematics

Auto insurance telematics are becoming a tool that many insurance companies offer to help you reduce your auto insurance rates. The telematic device tracks your driving, allowing an insurance company to see whether you speed, where you frequently drive, and whether you slam on your brakes often. Here at West Texas Insurance Agency, serving the Amarillo, TX area, we are often asked about telematic devices. Here is some information drivers should know about them. 

Can You Be Required to Use Auto Insurance Telematic Devices?

By law, auto insurance companies cannot require you to use auto insurance telematics devices if you do not want to. However, they can increase your rates if you elect not to use one or offer money-saving incentives to try to get you to use one. 

Should You Use Auto Insurance Telematic Devices?

Unfortunately, there is no right or wrong answer to this question. The information that is gleaned from the device may cause your rates to increase or decrease. The insurance company will get an insight into how you drive. If you speed often, using one of these devices may not be ideal for you. However, if you are a safe driver who abides traffic laws, one of these devices may be a good idea for you. There are also privacy concerns with the devices, so ultimately, the decision is up to you. 

There are pros and cons to using auto insurance telematics devices. If you are looking for an insurance policy and want to learn more about these devices in the greater Amarillo, TX area, West Texas Insurance Agency can help you. Contact us today to schedule an appointment to discuss how we can help you. 

How Much Commercial Insurance is Enough?

Having the right amount of commercial insurance coverage to protect your Amarillo, TX business is just as important as having the right type of insurance. Too little coverage can leave your business exposed to unforeseen liabilities while having too much coverage can hurt your business’s bottom line. West Texas Insurance Agency understands the importance of having commercial insurance coverage that matches your business’s varied needs. The following shows how you can assess your coverage needs and give your business the protection it deserves.

Factors That Affect Coverage

The amount of commercial insurance coverage you’ll need for your business depends on a variety of factors:

  • Type of business – Certain industries may require more coverage and higher limits than others due to increased liabilities.
  • Customer base – Knowing who your customers are can give you an idea of your coverage needs.
  • Business location – Where your business is located and how it’s housed can also impact your coverage needs.
  • Number of employees – More employees means higher liability limits for your business.
  • Employee experience – Your coverage needs must account for your employees’ skill sets and experience, from seasoned veterans to brand-new hires.
  • Corporate status – Being a sole proprietor or part of a partnership can also affect your coverage needs.

Keep in mind that your commercial insurance needs aren’t set in stone. As your business changes, so will the amount of coverage it’ll need to stay protected. You can also use insurance endorsements to boost your current coverage and gain protection against a variety of unique and uncommon liabilities.

You can’t predict everything that’ll happen to your Amarillo, TX business, but the above can help you assess how much commercial insurance coverage you’ll need. Don’t forget that the agents at West Texas Insurance Agency can help you choose the right coverage amounts that fit your business. Contact us today to learn more.

3 Questions To Ask Your Broker About Your Home Insurance Policy

What do you talk about with insurance brokers as you shop around for your homeowner’s policy?

Do you have a fruitful conversation about what your coverage might entail, or do you browse around on your own and try to figure out what the best fit for your situation is? If you’re doing business with the West Texas Insurance Agency, your agent will answer any questions you may have. Here are the three most important questions to ask a broker about your home insurance policy.

1. What Exactly Is Covered In The Event Of total Loss?

If tragedy strikes and you are left with nothing regarding your home and possessions, you would hardly be expected to make sense of what your policy will cover as you get back on your feet. This is why it’s crucial to discuss total loss coverage now, while your home is intact and your policy is new or not yet in effect.

A standard homeowner’s policy will cover damage caused by most disasters except earthquakes and flooding. Those two natural disasters are climate and area-specific. Therefore, they’re not included in a general home insurance policy. You should research if you need additional coverage not covered by a general home insurance policy in Amarillo, TX. 

Your total loss coverage depends mostly on your home’s construction as well as your neighborhood. It may also include your possessions inside of the house, generally valued at up to 50 percent of your total coverage. Every policy is different, though, so it’s worth it to ask about the specifics.

2. What’s My Additional Living Expenses Coverage?

If your home is uninhabitable, you’ll have to live somewhere else. Not everyone is lucky enough to have generous loved ones who will let them room at their house free-of-charge, so most home owner’s policies provide additional living expense (ALE) coverage.

It’s worth knowing how much you’ll be reimbursed for hotels, food, and other expenses in this type of emergency. You should also ask about how this reimbursement is distributed by your insurance company. Do you need to provide receipts for every expense, or are you paid out in advance after disaster strikes? Knowing this will help you budget appropriately in case of emergency.

3. Am I Eligible For Discounts?

Depending on some personal factors or features in your home, you might be up for a lucky break. You can get a discount on your home insurance. Your broker won’t know which discounts you’re eligible for unless you mention that you’d like to explore your options.

For instance, you may qualify for a discount if you have a smart home security system installed. There might be discounts based on age, disability, or veteran status as well. You lose nothing by asking this particular question, while you may gain a good bargain by doing so.

Are you ready to talk to a broker in Amarillo, TX? Contact the West Texas Insurance Agency today to get your questions answered.

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