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Does Home Insurance Cover Termite Damage?

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Termites are one of the biggest threats to any homeowner’s investment. Termites can damage a home extensively and, in some cases, make it uninhabitable. If you’re a homeowner, it’s important to know how to protect yourself against termites and what to expect regarding insurance coverage. If you’re looking for home insurance, you can count on Slaughter Insurance Agency, which serves residents in and around the Quinlan, TX area.

Termite Damage 

If you own a home, you’re likely susceptible to termite damage. The best way to protect your home against termites is to have insurance protection. However, most home policies don’t cover termite damage. You’ll typically purchase a separate policy that specializes in termite protection. You should also keep your home sprayed and treated for termites to prevent loss and out-of-pocket expenses. It’s a blanket of protection for your home and your finances.

If you want home insurance to protect your home, be sure you know what it does and does not cover and act accordingly. Anyone interested in purchasing home insurance protection should reach out to one of our friendly and knowledgeable insurance agents. They have the insight and experience to help analyze your specific needs and recommend products that meet or exceed those needs.

Find Out More 

If you would like to learn more about home insurance and what it covers, please reach out to us today. Feel free to call or stop by our location and speak to one of our professional insurance agents. At Slaughter Insurance Agency, We take pride in giving our customers the insurance products they need to have peace of mind. Find out how easy we can make the insurance shopping process for the residents of Quinlan, TX.

On the Fence About Umbrella Insurance? Here are a Few Factors to Consider

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At Slaughter Insurance Agency, our team can help your Quinlan, TX business get the protection that it needs with an umbrella policy. If you’re still not quite sure whether this type of insurance works for you, here is how it can benefit you:

Umbrella Policies Offer Extra Liability Support

Umbrella insurance is an expanded form of liability protection that covers what the rest of your policy does not. For example, once you meet your policy limits, umbrella liability covers what may remain in a lawsuit, ensuring that you don’t have to dip into your own pocket to pay these expenses. 

That kind of protection is a great option if you worry about getting sued by your customers. For instance, if you run a business with a potential risk of danger, it’s critical to get umbrella insurance to stay safe. However, there is a simple process that can make this decision much easier.

Knowing If You Need It 

If you are interested in getting an umbrella insurance policy, it’s important to know whether it’s right for you. Most businesses will benefit from this type of policy, though some might not feel comfortable affording it. Here’s a simple way that you can get the help that you need here:

  • Add all of your business’ assets, including stocks, bonds, future earnings, savings accounts, etc. 
  • Calculate whether your insurance policy covers all of your assets or if it doesn’t
  • When your total assets are more than your liability protection, get an umbrella policy 
  • Try to find one that covers at least double your assets to be as safe as possible

Take Care of Your Business

Strong umbrella insurance policies from Slaughter Insurance Agency can help Quinlan, TX area businesses get the help that they need to stay safe. Contact us to learn more about your options, and we’ll seek out an umbrella insurance policy that fits your needs and doesn’t cost you a fortune to maintain.

Is Motorcycle Insurance Required in Texas?

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Our agents at the Slaughter Insurance Agency serving the Quinlan, TX area want you to be able to fully enjoy every ride you take on your motorcycle. This is the reason they want you to have a proper motorcycle insurance policy in place so you can relax with your knees in the breeze.

Is Motorcycle Insurance Required in Texas?

Yes, motorcycle insurance is required in the state of Texas. All riders must have at least a minimum amount of liability insurance to cover any property damage or injuries they cause in an accident. Also, motorcyclists under the age of 21 are required to wear helmets when riding.

Other Motorcycle Insurance Options 

There are several other types of motorcycle insurance options. Listed below are the main ones.

Comprehensive Insurance 

You worked hard to purchase your motorcycle, and comprehensive insurance is designed to protect your investment. It will help you repair or replace your bike if it falls victim to a fire, an act of vandalism, a natural disaster, or theft.

Collision Insurance 

This type of insurance will help you fix your motorcycle if it is damaged in a collision with another vehicle or an object.

Uninsured/Underinsured Motorist Coverage

If you are involved in a crash with a driver who is uninsured or does not have an adequate amount of insurance to cover your medical bills or damage to your bike, this type of insurance will come in handy. It is better to be safe than sorry!

Consult With Us

To create the best motorcycle insurance policy for your beloved bike, contact our experienced agents at the Slaughter Insurance Agency serving the Quinlan, TX area today!

Do I need special auto insurance to complete freelance food deliveries?

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Food deliveries through apps like Uber Eats and DoorDash offer a nice, effective way to earn a little extra cash on the side. However, before you or someone in your household signs up for food deliveries, you want to make sure that you are properly protected in the event you are in a car accident when or just after delivering food. The following is a look at some important things you’ll want to consider when it comes to Quinlan, TX auto insurance and food deliveries in your vehicle:

Do I Need Special Auto Insurance to Complete Freelance Food Deliveries?

The short answer is yes; if you want to be fully insured by a policy from our team at Slaughter Insurance Agency or another Texas insurance company, you will need to ensure you add the correct endorsement to your vehicle. This is because personal auto insurance policies alone will not cover drivers in the event they are completing a commercial activity, such as food delivery. 

The good news is that you can add a special, inexpensive auto insurance endorsement that will offer coverage for accidents and damages that occur when you are using your vehicle for work. You can also opt to switch to a more comprehensive commercial auto insurance for full protection. Some of the delivery platforms will also provide limited insurance coverage when drivers are actively engaged in delivery work — this means their insurance policy will cover any accidents that occur when customer food is in your vehicle, but you will need your own insurance to cover any accident that occurs when driving to receive food or following drop-off.

Learn More With Slaughter Insurance Agency

For more information about auto insurance and getting the right policy for your Quinlan, TX needs, give our team at Slaughter Insurance Agency a call!

Does Commercial Insurance Cover Internal and External Building Damage by Wildlife?

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Commercial insurance is an important tool for helping prevent losses. If you would like to learn more about commercial insurance and what it protects, you can count on the experts at Slaughter Insurance Agency, to provide information and support to the residents of Quinlan, TX.

Commercial Insurance Protection 

Commercial insurance is designed to protect business owners from various outline risks such as theft, fire, and even damage as a result of wildlife. Most commercial insurance policies provide coverage in the event of damage by wildlife, whether it’s inside or outside the business.

If you would like more details about a commercial insurance policy and assistance with understanding terms and conditions, please reach out to our insurance experts. We can not only provide you with information regarding the fine print of each policy, but we can also carefully assess your current and potential future needs.

Once we understand your specific insurance requirements, we can match you with policy options that meet or exceed those needs. Not only can we assist you with the policy purchase, but we can also provide support with any changes or claims in the future. Our goal is to help you get comprehensive coverage and avoid any gaps that can create a loss.

Reach Out Today 

If you would like to speak to one of our knowledgeable insurance agents, please feel free to call or stop by the office of Slaughter Insurance Agency. We offer insurance products and services to the residents in and around the Quinlan, TX, area. Don’t guess when it comes to selecting your commercial insurance. Get the information and support you need to get complete coverage in gain peace of mind knowing you’re protected.

Things home insurance won’t cover

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A home is the largest asset most people have, and that means protecting it is very important. Home insurance provides a wide range of coverage but, like most insurance, it does have exclusions. At Slaughter Insurance Agency in Quinlan, TX, we try to make sure that all of our customers understand what the exclusions are and how you can compensate for them. 

Things home insurance won’t cover

Owner neglect

Owner neglect is a wide-reaching term that can be used to refuse coverage for a wide range of issues. If your home is damaged by termites, this is not something that your home insurance will cover, since it is your responsibility to treat your home for termites before they do damage. If you have an aging roof, and it leaks and allows your home to be damaged, it may not be covered since you are expected to maintain your roof. Your insurance carrier has the expectation that you will keep your home in good condition and not let it get run down. 

Earth movement

Earth movement covers a range of things, not just earthquakes. It also covers sinkholes as well as earth and mudslides. You can purchase a policy that will provide your home with this coverage. 

Flood

Flooding is probably the biggest shock to most homeowners. It can be complicated because some floods result from covered events. If you are in danger, be sure to discuss the possibility of adding flood insurance to your coverage. It is available through the NFIP. Flooding caused by broken pipes is covered. 

Home sharing messes

If you are considering renting your home out through Airbnb or HomeAway you should be aware that damage will not be covered by your traditional home insurance. This is considered business use of your home. 

We Can Help!

Contact Slaughter Insurance Agency in Quinlan, TX for all of your home insurance needs. 

Do all people in Texas need to have an umbrella insurance plan?

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Liability risk is something all people in the greater Quinlan, TX  community should think about. If there is an accident that you cause, you will be responsible for damages. As these costs can add up quickly, having appropriate personal liability coverage is always a good idea. One type of policy that can help with this is an umbrella insurance policy.

There are various great reasons to have this type of coverage:

Ensure Coverage for Major Claims

A lot of people in this part of Texas will have personal liability coverage in their home or auto plans. While this is a good start, there is always a chance actual damage could exceed coverage. If you continue to maintain an umbrella plan, it will give support on top of your existing policies. This can ensure you are covered if there is ever an accident with very bad damage. 

Prepare for the Unexpected

Having umbrella coverage is also a good idea as it can ensure you are prepared for the unexpected. There is always a risk you could be held liable for damages for a situation that is not covered by other insurance plans. An umbrella policy offers blanket coverage that will help protect against a wide range of these risks. This can ultimately ensure you are ready for the unexpected. 

Reach Out To Us

An umbrella insurance plan continues to be an effective way to mitigate your personal liability risks. If you are looking for this type of coverage in Quinlan, TX, it would be ideal to call our professionals with the Slaughter Insurance Agency. We understand the value of this coverage and our team can help you build your next plan. Our professionals at Slaughter Insurance Agency will always take a customized approach to ensure you get into an ideal plan for your situation.

Does motorcycle insurance offer hospitalization coverage?

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If you own a motorcycle, it’s essential to understand the types of coverage motorcycle insurance offers. Although this insurance is similar to auto insurance, it isn’t the same. If you want to learn more about motorcycle insurance, our team of experts at Slaughter Insurance Agency can assist you. We help the Quinlan, TX area residents get coverage that protects them from risks. 

Motorcycle Coverage

If you have a motorcycle, you need specific insurance designed for this purpose. If you have standard motorcycle insurance, it generally doesn’t cover hospital expenses for you if you cause an accident. However, you may add some additional coverage to your policy to provide more coverage in the event you’re injured. Always be sure you know what a policy does and doesn’t cover. 

Our team of insurance professionals can help you assess your current needs and recommend policies that meet those needs. If you require additional medical payments, they can advise you on the right path to ensure your needs are met and you get the coverage you want. 

Not only can we help you shop for a policy, but we can also help you with any changes or claims submissions during the policy’s lifetime. Our goal is to provide each customer with outstanding support and insurance services. 

Reach Out Today

If you want to learn more about motorcycle insurance or any other insurance products and services we offer, please call or stop by Slaughter Insurance Agency today. We are proud to help the residents of Quinlan, TX and surrounding areas in getting the policy options and protection they need to have peace of mind on and off the road. 

Tips to improve your gas mileage

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Gas mileage is an important factor to consider when it comes to car ownership. Not only does it affect the amount of money you spend on gas each month here in the Quinlan, TX area, but also your environmental footprint. Here are a few tips from us at Slaughter Insurance Agency that can help you improve your gas mileage.

Tips to improve your gas mileage

1. Drive Smoothly  

Avoid sudden accelerations and hard braking. This can help keep your engine running more efficiently, thus improving your gas mileage.

2. Maintain Your Car Regularly

Make sure you are keeping up with routine maintenance such as oil changes, tire pressure checks, and replacing air filters regularly. A well-maintained car runs more efficiently and will use less fuel than one that isn’t properly cared for. 

3. Choose the Right Gas

Use the grade of gasoline recommended by the manufacturer for optimal performance and improved fuel efficiency of your vehicle. 

4. Reduce Speed

Driving at high speeds decreases fuel efficiency significantly; this is because wind resistance increases as speed increases, meaning that more energy is required to power the car at higher speeds than lower ones. 

5. Minimize Unnecessary Weight & Drag

If you’re carrying items on top of your car or in its trunk, make sure they are secured tightly so they don’t create unnecessary drag that can decrease fuel efficiency. You should also avoid carrying around items that aren’t necessary and remove any rooftop cargo boxes when not in use to reduce drag and increase fuel economy further. 

Give Us A Call

By following these simple tips, you can save yourself money while also helping reduce emissions by improving your car’s gas mileage! For more tips, call us at Slaughter Insurance Agency today. We proudly serve the Quinlan, TX area.

Tips to prepare your business for a storm

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With hurricane season in full swing here in the Quinlan, TX area, it’s important to make sure that your business is prepared for any storm that may come its way. Here are some tips from us at Slaughter Insurance Agency to help you and your business stay safe.

Tips to prepare your business for a storm

1. Keep emergency supplies on hand. Make sure that you have enough food, water, and other necessary items on hand to last several days in case of an emergency.

2. Create a plan. Make sure that everyone in your business knows what to do if a storm hits, including evacuation plans and how to contact each other if separated.

3. Secure your property and equipment. During strong winds or flooding, make sure that heavy objects are secured so they don’t cause damage, and store valuable equipment where it won’t be damaged by water or wind. 

4. Purchase insurance coverage for business property and possessions, as well as liability insurance in case of injury or damage caused by the storm. 

5. Stay up-to-date with weather forecasts and alerts from local authorities so you can prepare quickly if needed.  

6. Keep essential documents and financial records stored in a secure, waterproof location, such as an online storage system, or in multiple locations to protect against loss or damage. 

7. Have emergency numbers ready for quick contact with insurance companies, contractors, government agencies, and other emergency services. 

Reach Out To Us

By taking the time to prepare your business for storms before they hit, you can rest assured that your business will stay safe during hurricane season. For more tips to keep your business and employees safe, or to explore any insurance products you may need, give us a call at Slaughter Insurance Agency today. We are proud to serve the Quinlan, TX area.