West Texas Insurance Agency
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West Texas Insurance Agency

3702 Mockingbird Ln
Amarillo, TX 79109

Understanding Business Interruption Insurance: Safeguarding Your Operations

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Business interruption insurance from West Texas Insurance Agency is an indispensable resource that safeguards Amarillo, TX businesses from unforeseen events that may result in loss or damage. This coverage helps mitigate financial losses during interruptions or suspensions of regular business operations. It encompasses lost revenue, rent or lease payments, relocation expenses, employee wages, and loan payments that persist even when operations are paused.

Why You Need Business Interruption Insurance

A sudden halt in operations can cause a significant financial impact, jeopardizing the stability of your business. Whether it’s a natural disaster, such as a flood or fire, unexpected property damage, or any unforeseen event that disrupts your operations, having business interruption insurance can be a financial lifesaver.

For example, imagine that your business suffers extensive water damage due to a burst pipe and has to close for repairs. With business interruption insurance, not only would the physical repair costs be covered, but the lost income from being unable to serve customers during the repair period would also be compensated for.

This essential coverage provides a safety net, helping you maintain financial stability and recover more quickly after the event by covering lost income, ongoing expenses, and additional costs to get your business back on track. With business interruption insurance, you can have peace of mind knowing that your business is protected from unforeseen disruptions and can bounce back stronger than ever.

In all these cases, business interruption insurance proves invaluable, providing the financial buffer businesses need to recover and return.

Act now to protect your business’s future.

To learn more about how business interruption insurance can protect your business in Amarillo, TX, contact West Texas Insurance Agency. We’re here to help safeguard your operations and financial well-being.

Making your Texas home a safer place to live

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When it comes to making your Texas home a safer place to live, it can mean protecting yourself from things in your house and outside of your house. At West Texas Insurance Agency in Amarillo, TX, we can help make your home safer by ensuring you have the correct home insurance to protect your biggest asset. 

In the home

Safety comes in a lot of different forms. One of the significant safety issues in any home is fire. Every home should be equipped with smoke detectors. They should also have backup batteries if the power is out when a fire starts. It would be best to have a fire extinguisher in an easily accessible location. 

Trips and falls are a significant safety concern. Ensure the lighting is good in all dark areas, such as hallways. Don’t let clutter accumulate on stairs and in heavily trafficked areas. Don’t use throw rugs; they pose a trip and fall hazard. If you must use extension cords, ensure they are tucked close to the wall. Use a no-slip bath mat or stickers. Having a grab bar in the shower or bath is a good idea if you are unsteady. 

Outside the home

Outside your home, lighting is essential. Motion detector lights will guarantee that when you move into their range, they will turn on for you to light your way. 

Installing a home protection system is one way to make your home a safer place from the outside. It can be as simple as a digital locking system that you can activate with your phone or a doorbell camera. Using the locks on your windows is also important. 

Contact West Texas Insurance Agency in Amarillo, TX for all your home insurance needs. 

Documents you should always have in your vehicle

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Certain documents should be in the vehicle with you when you are out and about on the roads in Western Texas. If, for any reason, you get pulled over by the police, you will need to produce these documents, and you should have them all handy in your vehicle. At West Texas Insurance Agency in Amarillo, TX, we are independent insurance agents who put our customers first. 

Vehicle registration

When you purchase a new or used vehicle, you will need to register it with the state. This proves your ownership. You must produce the title to register it for the first time. If you are pulled over, you must be able to produce the registration, including your vehicle’s VIN number. 

Insurance card

When you purchase auto insurance, the insurance company will send you a card identifying you and your vehicle. This will also be required if the police pull you over for a violation or if you have an accident. 

Driver’s license

You always need to have your driver’s license with you when driving. Most people keep their driver’s license on their person in a wallet or their purse. It is an accepted form of identification that most people use regularly. 

Vehicle maintenance record

When you change the oil in your vehicle or do other repairs, the paperwork should be kept in your glove box. If you buy new tires and then have an issue with one of the tires, the paperwork can prove that a warranty still covers you. It is a good idea to have any proof of roadside assistance you may have in your vehicle. 

For advice about auto insurance, you can count on our West Texas Insurance Agency team in  Amarillo, TX to provide the customer service you deserve. 

How workers compensation insurance can protect both your employees and you

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As a business owner in the Amarillo, TX area, having the right insurance coverage is essential for protecting your employees and yourself. Workers’ compensation insurance from West Texas Insurance Agency is an integral part of that coverage, providing both financial and medical benefits to employees in the event of an on-the-job injury or illness. Without this coverage, you would be liable for any costs associated with an employee’s work-related injury or illness.

Workers’ compensation insurance covers various expenses related to work-related injuries or illnesses, including medical costs, disability payments, and death benefits. It also pays lost wages while workers recover from their injury or illness. These benefits are paid regardless of who is at fault for the injury or illness, which helps protect both you and your employees from potentially significant financial losses. Additionally, many states require employers to carry workers’ compensation insurance to operate their businesses legally.

In addition to providing protection against financial loss in the event of an on-the-job injury or illness, workers’ compensation insurance can also provide peace of mind for you and your employees. Knowing that a safety net is in place if something goes wrong can help everyone feel more secure in their workplace environment.

Overall, workers’ compensation insurance is a vital form of protection that both employers and employees should have in place. It can provide financial security and peace of mind for everyone involved if something goes wrong.

For more information, call us at West Texas Insurance Agency today. We proudly serve the Amarillo, TX area and would happily assist you.

Why do I need to have home insurance in Texas?

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If you are a resident in the Amarillo, TX area, owning a home is a great idea. Property owners in this region of the state will enjoy long-term benefits, such as having a stable place to live and benefiting from value appreciation. Getting insurance is necessary if you want to buy a home here.

Protect Your Dwelling and Assets

A great reason to have a home insurance plan in Texas is to protect your dwelling and assets. If you are looking to buy a home, you will be making a very large long-term investment. Further, you will have various personal items stored within it. When you get coverage through a home insurance plan, you will have support to replace or repair these assets. 

Meet Insurance Rules

You should also get this coverage to ensure you are meeting your requirements. Anyone that is looking to buy a home will need to have insurance for it if they have taken out a loan. Also, any home association will require you to get insurance. When you have this type of coverage, you can remain in good standing with all such obligations in the future. 

If you own a property in the Amarillo, TX area, you need to ensure you get the right insurance. To ensure you can select the right plan, it would be a great idea to call our team at the West Texas Insurance Agency. Our professionals at the West Texas Insurance Agency know the value of this coverage and can offer the support you need to build your next plan.

Is Auto Insurance Required in Texas?

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The agents at the West Texas Insurance Agency serving the Amarillo, TX area want you to know about the importance of having an auto insurance policy in place in the state of Texas.

Is Auto Insurance Required in Texas?

In Texas, all people who drive a motor vehicle are responsible for paying for any accidents they cause. Most people choose to do this through auto liability insurance. This type of policy will pay to repair or replace the other driver’s vehicle and will pay for other people’s medical expenses if it is found that you are at fault for an accident.

Auto Insurance Coverage Options

In addition to auto liability insurance, many other types of auto insurance are available. Listed below are different types of coverage options you can choose from when it comes to auto insurance.

Underinsured and Uninsured Motorist Coverage

While Texas does not require uninsured and underinsured motorist coverage, it’s still a good idea to have this type of coverage in place. This is because you could become involved in an accident with a driver who has no insurance or does not have an adequate amount of auto insurance. This type of coverage will help you pay for any damage to your vehicle and medical expenses if needed.

Comprehensive and Collision Insurance Coverage

If you owe money for your vehicle to a lender, you will likely be required to have comprehensive and collision insurance coverage. This is because comprehensive insurance will help repair or replace your vehicle if a fire, an act of vandalism, or a natural disaster damage it. This will also help you out if your car is stolen.

Collision insurance is designed to help you pay for damage if you collide with a stationary object or another vehicle.

Contact West Texas Insurance Agency

To create the best auto insurance policy for you and your situation, contact the auto insurance agents at the West Texas Insurance Agency, serving the Amarillo, TX area, today!

Is Home Insurance Required for Your Texas Home?

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They say that your home is where your heart is, meaning you need to protect it in any way you can. The insurance agents at the West Texas Insurance Agency, serving the Amarillo, TX area, can explain the importance of homeowners insurance and what it covers. Reach out to our office to get started.

What Does Home Insurance Cover?

Home insurance covers the structure of your house and any outbuildings on the property. These can include sheds, garages, decks, and other areas. Home insurance will also cover your personal belongings, such as clothing, makeup, and toiletries. A home insurance policy will also help you replace any appliances, furniture, and other household items damaged or destroyed by a fire, vandalism, or a natural disaster. It is much better to be prepared with a good home insurance policy than to wait and not have any coverage if something bad occurs.

A home insurance policy can also cover items stolen because of a theft incident or a burglary of your house. These are all important reasons why you should have home insurance in place.

Also, if you owe money to a lender for your home, your lender will likely require you to have home insurance coverage to protect their own investment in your property.

You will want to remember that a standard home insurance policy typically does not cover things like earthquakes and floods. This means you will have to work with your insurance agent to add these policies to your home insurance policy to ensure you have coverage in every way you need it.

Contact West Texas Insurance Agency

To create the best home insurance policy for you and your situation, contact the experienced and knowledgeable home insurance agents at the West Texas Insurance Agency, serving the Amarillo, TX area. Call today to get a quote and get your policy started!

Four common misconceptions about home insurance coverage

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You should be well informed about any home insurance misconceptions out there. Homeowners in Amarillo, TX can rely on us at West Texas Insurance Agency to get the information they need to insure their homes.

The following are four common misconceptions about home insurance coverage. 

Your home insurance policy covers all of your valuables. 

While any home insurance policy generally offers some coverage for personal property, personal property coverage on your policy won’t necessarily be enough for the full amount of your most valuable possessions. 

If you have especially high-value items in your home, you might want to invest in some added personal property coverage on your policy. 

Your home insurance policy offers medical payment coverage for you and your household.

The medical payment coverage on a home insurance policy covers medical bills for guests in your home that become injured on your property. Your policy won’t cover your medical bills if you become injured in your home. 

Home insurance compensates you for any natural disaster damage.

Unfortunately, standard home insurance doesn’t usually cover certain types of natural disaster damage. For example, standard home insurance doesn’t usually include earthquake and hurricane damage coverage.

Suppose you live in an area where certain natural disasters are especially likely. In that case, you should invest in add-on coverage to ensure that you are covered for damages resulting from these natural disasters. 

You’ll pay less if you’re insuring an older home.

It’s not always less expensive to insure an older home. Older homes can be more costly to insure in certain situations because they may be more expensive to repair. 

Call West Texas Insurance Agency today to get a policy quote from us. We’ll insure your home in Amarillo, TX so that you enjoy financial security and peace of mind. 

What Perils Can Commercial Insurance Cover?

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Texas does not require any commercial insurance for Amarillo, TX entrepreneurs, even workman’s comp, but it is a good investment for business owners. Below are some common perils that can be included, and your West Texas Insurance Agency representative can give more specific details as to what would be covered. 

General liability insurance will often protect you if you are responsible for property damage due to your services. This can extend to situations where the harm you cause to others is in the form of advertising. Your wording could have been misleading due to a miscommunication, or it may have been due to a typo or an omission. 

You could also have caused injuries that resulted in medical expenses and lost wages. Sometimes you can be sued to reach a reasonable outcome as well. This can happen either through faulty products or on your premises. If, for example, a customer trips on improperly secured flooring, you can be held financially liable. Other common perils are mistakes that your employees cause, such as destroying a client’s home by failing to perform a job adequately.

Your partners can benefit when you obtain various commercial insurance policies, as their interests will often be considered. It can help you maintain a good reputation in your professional community, as issues will be resolved quickly and professionally. 

West Texas Insurance Agency Can Help You 

We can put together an individualized insurance package to meet your needs and invite business owners in the Amarillo, TX area to reach out to us. We are available to speak to you by phone; you can visit our website or stop by the office for more details. 

Protect Your Most Valuable Asset with Homeowners Insurance

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Is your home the most valuable thing you own? Do you live in or near the Amarillo, TX area? If so, the West Texas Insurance Agency professionals can provide the protection your home needs.

Most of us will never have an asset as valuable as our home. What would happen if it was destroyed by nasty weather? Or if a visitor to your home was injured or bitten by your dog? A financially devastating lawsuit could be the result.

Homeowners insurance protects a private residence, which covers losses of personal property, the loss of use, and liability insurance for injuries that could occur on your property.

Homeowners insurance coverage protects the equity that has accumulated on your property. Equity is the difference between what you owe and the property’s value. As you make improvements to the property, the equity in your property increases.

Not all events are covered by homeowners insurance, however. Some of these exclusions are:

  • Acts of war
  • Earthquakes
  • Floods
  • Infestations, including termites
  • Mold
  • Nuclear accidents
  • Sewer backup
  • Water damage

You may wonder why you need homeowners insurance coverage for your home if it is mortgage-free. As the most valuable asset you have, it needs protection. If a covered event happens and you do not have this coverage, you risk losing your home.

If a visitor happens to get injured on your property and a lawsuit ensues, whatever the cash settlement of the claim is, you will pay out of pocket. Homeowners’ insurance will prevent that.

Don’t risk losing this valuable asset. The protection it provides is far more valuable than the small cost you will pay for this coverage.

Let the professionals at West Texas Insurance Agency answer any questions you may have or provide you with a quote for this coverage. Contact our office today. You will be glad you did.

Servicing States

  • Texas
  • Oklahoma
  • New Mexico