West Texas Insurance Agency

3702 Mockingbird Ln
Amarillo, TX 79109

Homeowners insurance: 7 Steps for taking a home inventory

A home inventory is the first step in purchasing homeowners insurance. This document catalogs your possessions. If you are forced to make a claim, a home inventory will speed up the process and help increase your pay out.

That’s why West Texas Insurance Agency encourages its clients to start here. Serving Amarillo, TX, these professionals share seven steps for creating a comprehensive home inventory.

Organize by room or area

Break down your home into sections. Avoid getting overwhelmed by starting with smaller areas. Find a process that makes the most sense for you.

Record basic information

Write down descriptions of each item. At a minimum, this includes purchase dates and approximate prices. Jot down the makes, models, and serial numbers of electronics and appliances as well.

Group similar items

There’s no need to list everything individually. Lump low-cost goods, like clothes, together. Assign a total value for the entire group.

Take pictures and video

It pays to have some visuals. These will speed up any claims. In addition to being a reminder of what you own, these pictures and video document belongings before they’ve been damaged.

List expensive items separately

Jewelry, collectibles, and other high-end items often require additional coverage. Make a note of these items and then consult an agent.

Incorporate technology

Work smarter, not harder. Home inventory apps, like Sortly or Nest Egg, make this process easier. Users can organize info, scan barcodes, and upload images.

Update often

Review your inventory regularly. While it’s great to keep digital records, print out hard copies as a backup. Store these somewhere other than your home just in case.

Contact an agent serving Amarillo, TX

After completing your home inventory, reach out to West Texas Insurance Agency. Using this information, these agents will find a personalized homeowners policy that’s right for you.

Is it Time to Review Your Commercial Insurance?

Like many things in life, your commercial insurance isn’t something you buy and forget. West Texas Insurance Agency of Amarillo, TX, recommends reviewing your business insurance at least every year. This way, you will be paying for the right amount of premiums, and you will make the claim process smooth.

But there are the things that shouldn’t wait for a year to lapse so that you update your insurance policy. If the below happens, talk to your insurance agent ASAP.

Downsizing or expanding your business

Are you moving to a smaller office? Or perhaps you are adding the number of stores? Either way, you need to inform your commercial insurance agent. Changes in your business size affect your insurance premium, and it’s essential to inform your insurer to make the necessary adjustments.

Change of location

Moving your business to a new state? Inform your insurer to ensure they have a presence in your new location. Plus, a new location comes with a new set of risks that must be factored in your policy.

Changes in workforce

If you have invested in worker’s comp insurance, you need to update your insurer whenever there are additions or reductions in your workforce.

Purchases or disposal of equipment

It’s normal for a business to purchase new equipment. It’s equally standard for a business to get rid of old equipment, perhaps to invest in equipment with better technology. Whatever the reason, you need to inform your insurance agent to ensure that the assets covered are the ones you own.

Conversion of personal vehicle to business car

If you want to use your vehicle to run commercial errands, you need to upgrade from personal auto insurance to commercial auto insurance.

Buy commercial insurance today!

Do you need more information on commercial insurance? Ready to buy commercial insurance for your Amarillo, TX business? Please consider West Texas Insurance Agency for all your business insurance solutions.

Why does anyone need auto insurance in Texas?

Anyone that lives in the Amarillo, TX area will find that owning a vehicle is a good idea as it will make getting around the community much easier. While there are conveniences that come with vehicle ownership, it is also a big responsibility that you need to take seriously. One responsibility includes ensuring that you have proper insurance. There are several reasons that people here need to have auto insurance. d

Coverage Required by Law

A common reason that people in this area of Texas will need to have auto insurance is that the coverage is often required by law. Anyone that would like to drive a car on a public road in this state needs to at least have liability insurance. If you do not have this coverage, you could face various penalties. 

Coverage is a Lender Requirement

If you have decided to take out a loan when buying a car, you will need to abide by your lender’s insurance obligations. In many cases, the lender will stipulate that you need to have both collision and comprehensive coverage. This insurance ultimately protects your vehicle against many risks including theft, vandalism, or accident damage. Banks will want you to maintain this coverage until it is fully repaid as it will protect your vehicle and their security interest in your car. 

People that are in the Amarillo, TX area and want to own a vehicle should always get auto insurance for it. As you are looking to build an insurance plan, you should call the West Texas Insurance Agency. When you do call the West Texas Insurance Agency, you can learn a lot about the different insurance needs and options that you have. This can help you choose a plan that will give proper protection. 

Who Needs Commercial Insurance?

Any responsible business owner understands the purpose and importance of commercial insurance. It helps protect your business, you as a business owner, and the employees you hire. If you are planning to purchase commercial insurance, but you need more information about it, West Texas Insurance Agency serving Amarillo, TX prepared a list of those who definitely benefit from this type of insurance:

Business Owners With Liability Concerns

There are some businesses and business owners who are more prone to liability lawsuits. Therefore, having commercial insurance for them is more important than for others. Almost all commercial insurance policies provide at least some level of liability protection – protection of the business assets when a business owner is being sued and protection of personal assets of a business owner when their business is being sued. 

Business Owners Who Hire Employees

Even though it is not mandatory in Texas to carry workers’ compensation, it is still recommended to have it because this type of commercial coverage protects both business owners and their employees from financial losses if a workplace injury occurs. 

Business Owners With Their Own Commercial Properties

Business owners with their own business properties will also benefit from business insurance. Commercial insurance covers commercial buildings, as well as all the assets and personal belongings of business owners stored inside. This means that if something happens to their building or stuff, insurance will pay for its repair or replacement. 

West Texas Insurance Agency – Find Commercial Insurance You Need

If you are a business owner from Amarillo, TX or any other nearby town or area, you should consider getting commercial insurance that will protect you and your business. West Texas Insurance Agency is an insurance company that is ready to assist you and help you find the perfect policy. If you want to discuss the insurance options available or have any questions about the insurance policies we offer, do not hesitate to call us. 

Is it time to upgrade my auto insurance in Texas?

Upgrading your auto insurance policy in Amarillo, TX is relatively straightforward. Many motorists rarely boost their auto insurance. All they undertake is to renew their policies devoid of proper assessment of their current prevailing needs, getting captured. If you are such an automobile owner, please contact West Texas Insurance Agency in Amarillo, TX to explain striking reasons that may warrant your auto insurance upgrade. 

When you are letting go of your current car

There are various reasons you would want to offload your current car. You are probably aspiring to upgrade, downgrade, or upon your lease expiry, and you need to figure out the next step to take. Regardless of the reason, it’s prudent to upgrade your auto insurance to ensure your pressing current needs are taken care of.

When you change use of your car

Are you utilizing your vehicle in running your business affairs? It is wise to upgrade it to commercial auto insurance if you convert your private car to business operations. It’s vital to upgrade your auto insurance to commercial auto insurance to safeguard your driver when accidents strike.

When you let a teenager drive your car

When you decide that your teenage daughter or son should drive your car, there is an urge to include them in your auto insurance policy. Teenagers are considered risky and vulnerable drivers to road uncertainties requiring adjustment of your premiums accordingly from your insurance company.

Switching your coverage to another

When you realize that the third-party policy you earlier possessed is not adequate, you would prefer switching to comprehensive insurance.

Are you still in the darkness, unsure whether to upgrade your auto insurance in Amarillo, TX? Call or visit our West Texas Insurance Agency offices for guidance from our reputable agents.

How Water Damage Impacts Home Insurance

West Texas Insurance Agency assists the Amarillo, TX community, as well as the surrounding areas. For over 15 years, we have strived to help our clients find coverage to meet any need. We treat our clients like family, and we hope to establish a long-term relationship with you.

How Water Damage Impacts Home Insurance

Your Amarillo, TX home is your personal sanctuary. Home insurance helps you protect your most valuable asset. You are covered if your home suffers significant damage due to inclement weather or an accidental fire. All of your personal items inside the home are covered if they are stolen. However, you may need to add extra coverage if you have luxury items such as paintings or fur. That is the only way to fully cover those items. Liability coverage protects you if a guest is injured while visiting your property or if you damage your neighbor’s property.

Generally, your home insurance covers water damage to your property. You are protected if there is an accidental leak due to a burst pipe. However, it’s important that you take care of your property. You are not protected if your home’s issues are caused due to poor maintenance. You may also be left unprotected if your home is damaged due to a leaky drain or sewage backup. You can add flood insurance to protect your home against issues created by overflowing rivers, lakes, and oceans. Research your policy carefully to see which water damage is covered and potential areas where you may be left unprotected.

West Texas Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about home insurance.

What types of protection from with a commercial insurance plan in Texas?

When you are in the Amarillo, TX area and are looking for a good career choice, starting your own business is a great option to consider. Anyone that is going to start a small business in this part of the state will have a lot of opportunities to be successful. At the same time, there are risks that should be mitigated. A commercial insurance plan will offer the protection needed to mitigate these risks. 

Protection for Assets

A form of coverage that is helpful to have and comes with commercial insurance is commercial asset protection. Businesses in Texas are going to need to purchase assets to grow and operate their business. If you have a proper commercial insurance plan in place, it will offer support in the event your assets need to be repaired or replaced due to damage or theft.

Liability Mitigation

Business owners will always need to ensure they have liability risk mitigation strategies in place. If you are going to operate any type of company, there is going to be a risk that you could be named in a liability lawsuit. As these damages can be significant in some situations, finding ways to reduce this risk is important. With commercial insurance, you can get the support you need to reduce this risk.  

As you are looking to protect your Amarillo, TX area business, it continues to be important that you get the right insurance coverage. The team with West Texas Insurance Agency can help you build a plan that will offer the right support for your organization. West Texas Insurance Agency is able to do this by providing guidance to ensure you are aware of your insurance needs and options and how you can best protect your business. 

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. 

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  • Texas
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