How Umbrella Insurance Works With Your Home and Auto Policies

If you have home and auto insurance, you may feel you have as much insurance coverage as you need. However, this generally isn’t the case. You may lack enough liability coverage, and this can leave you vulnerable. The intelligent choice is to get an umbrella insurance policy to give you more coverage. When you need better insurance coverage, call us at Slaughter Insurance Agency in Quinlan, TX to learn more about umbrella insurance. 

More Liability Coverage

Sure, there is liability coverage on your auto policy and home policy. However, these policies often don’t have much of it. Getting an umbrella policy adds more coverage to both policies simultaneously. When you don’t have this kind of coverage, you may be left with a lot of overage bills to pay. These are bills that weren’t covered by your home or auto insurance because the policy maxed out. When you have umbrella insurance, the policy picks up where the home or auto policy left off. It pays those overages for you, so you aren’t personally financially responsible for the accident. Medical bills can be extremely high, so it’s essential to have this coverage. 

Saving Money On Premiums

Getting umbrella insurance to supplement your home and auto policies is highly cost-effective. If you were to go to both your home and auto policies and add more coverage directly to them, this would cost a lot. Getting an umbrella insurance policy to give you more coverage for both is much more affordable. Umbrella is relatively low-cost, and the maximum payouts are extremely high. 

Get Umbrella Insurance 

If you have an auto and a home policy, it’s time to get an umbrella policy. Call Slaughter Insurance Agency in Quinlan, TX.

I only drive my motorcycle once a year. Do I still need insurance?

Most states require residents to invest in motorcycle insurance to drive legally. However, some states allow drivers to secure alternative forms of insurance, like certificates of financial responsibility or proof of assets equal to the state’s minimum insurance coverage limits. Florida law doesn’t require motorcycle owners to invest in insurance. The Slaughter Insurance Agency is dedicated to helping drivers in Quinlan, TX, get the coverage they need.

Does the state of Texas require motorcycle owners to invest in insurance?

Yes. If you want to drive your motorcycle in Texas, you must purchase liability insurance. You must invest in liability insurance that meets the state’s minimum requirements. Liability insurance covers damage to other people’s property as well as their injuries. Liability coverage doesn’t cover any of your injuries or your property damage. Liability insurance provides medical and property damage coverage if you’re found at fault for an accident or incident. Liability coverage does not protect your injuries or damage to your bike. Texas requires all motorcycle owners to carry $30,000 in bodily injury liability coverage per person and $60,000 per accident. Motorcycle owners must also carry $25,000 in property damage liability coverage. 

I only drive my motorcycle once a year. Do I still need insurance?

Yes. Regardless of the frequency, all Texas motorcycle owners must carry liability insurance. Florida doesn’t require motorcycle owners to invest in insurance. However, Texas owners must carry insurance. Also, Texas motorcycle owners must carry liability insurance that meets the state minimum requirements. Texas motorcycle owners can invest more than the state minimum requirements as needed. If you have questions regarding motorcycle insurance, call us. We’d be happy to explore your options.

How Comprehensive Auto Insurance Protects Your Quinlan Vehicle from Flood, Hail, and Twisters

Texas families have a strong sense of community where loved ones and friends often gather for backyard barbecues. However, a recent surge in extreme weather patterns, including blazing hot sun, record-breaking temperatures, and nearby hurricanes, can suddenly unleash nature’s fury, threatening the tranquility of home and automobile owners. 

Trusted insurance professionals at Slaughter Insurance Agency in Quinlan, TX, can help safeguard your family from the devastating effects of damaging storms that cause flooding, hail, twisters, and coastal hurricanes. 

Protect Your Automobile from Weather Damage

Comprehensive auto insurance adds a secure layer of financial protection against various perils – including those caused by Mother Nature’s wrath. Full-coverage insurance can shield policyholders against the high costs associated with collision and non-collision-related events. 

Natural Disasters and Weather-Related Events

Natural disasters can strike without warning and leave a trail of emotional and financial devastation in their wake. Severe weather systems can spawn hurricanes and twisters that drench local neighborhoods in flash floodwaters or storm surges that can reach inland for miles. 

Windstorms and lightning strikes can cause physical damage to homes and automobiles when falling debris is launched at high speeds. Electrical damage can result from lightning strikes that spark electrical lines and transformers. 

  • Flood Damage: Protect your car from significant water damage caused by floods. 
  • Hail Damage: Repair or replace components of your auto affected by hail damage. 
  • Fallen Debris: Shield your auto from fallen debris left behind by devastating twisters. 

Non-Collision-Related Protections

  • Animal Collision Coverage 
  • Theft and Vandalism Coverage
  • Civil Disturbance Coverage

Don’t wait until the inevitable happens, and it’s too late to get comprehensive coverage! 

Contact the licensed and friendly insurance experts at Slaughter Insurance Agency in Quinlan, TX, to get a comprehensive auto insurance quote today! 

Stuck On Your Commercial Insurance Options? Here’s What You Have to Know

Our team at Slaughter Insurance Agency has helped dozens of Quinlan, TX businesses get the high-quality business insurance that they deserve. If you’re still on the fence about your policy, please read on to learn more about the unique options available for your facility’s unique needs.

General Business Insurance is Useful 

Your most basic business insurance is useful as a way of protecting your facility and yourself from various dangers. For example, these policies provide liability protection for people in your facility. However, they also help with various types of property damage issues and other problems concerning them. For many people, this basic policy is enough, but there are upgrades that you should also consider.

Specialized Coverage is Grand 

Did you know that you can get high-quality, specialized business insurance for your facility? It’s a smart idea if you’re struggling to find protection that makes sense for you. There are a few things that might make the most sense for you in this situation, including options as diverse as:

  • Business income insurance to protect you from a potential loss of income
  • Professional liability protection if you run into any problems with injuries or damage 
  • Commercial auto insurance policies that keep your facility’s vehicles safe
  • Product liability to help protect you if any of your products end up hurting someone 
  • Cybersecurity protection to keep you safe from hacks and other types of risks 
  • Employment practices policies that can keep you safe if your employment practices fail

Get the Help You Deserve

No matter what kind of business insurance you need, our team at Slaughter Insurance Agency can help you. We provide Quinlan, TX residents and the surrounding area a variety of help options and work hard to support you. Don’t hesitate to contact us if you want to learn more about this process.

Does Home Insurance Cover Termite Damage?

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

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?

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?

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?

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

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. 


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.