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.

Protect Your Home With Home Insurance

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When you are the owner of a home, you need to make sure that you do everything you can to protect it. You do maintenance on it and make sure that there are smoke detectors, but those aren’t the only things that your house needs. You also need to have a home insurance policy. It’s an essential part of your home protection and protects your home in a number of important ways. When you need home insurance, you can call us at Slaughter Insurance Agency in Quinlan, TX.

Why Home Insurance

Home Protection

The protection you need for the dwelling is right there in your home insurance policy. Each policy specifies exactly what it covers your home for, and what it doesn’t. It will specify the types of accidents, calamities, and disasters that are included in the policy. This gives you all the information you need about the protection you’re getting. Every home insurance policy will have a wide range of events that it covers the home for. 

Belonging Protection

Your home isn’t just a dwelling, it’s also where you have all of your possessions. The insurance policy that you have on your home will also protect your belongings from the same types of damaging events as the dwelling. There are many ways that the items in your home can become damaged, and it’s always essential to have your home policy for this reason. 

Liability Protection

These policies also protect you against someone becoming injured in your home and hold you responsible for the medical bills. The bills can be enormous, and there more be other bills due as well. Home insurance can pay for all of those expenses to keep you financially protected from them. 

Get the Protection You Need

To get the policy you need for your own protection, call us at Slaughter Insurance Agency in Quinlan, TX.

When does an umbrella policy kick in?

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An umbrella policy is a type of insurance coverage designed to provide additional protection against liability above and beyond what is covered by your primary policies. It kicks in after the limits of your primary policies have been exhausted and provide additional financial security for you if you’re involved in an accident or lawsuit where the damages exceed the limits of your existing coverage.

At Slaughter Insurance Agency, we specialize in umbrella policies for people and businesses in the Quinlan, TX area. 

When does an umbrella policy kick in?

For example, if you are involved in a car crash, and the damages are greater than the amount covered by your auto insurance policy, an umbrella policy will kick in to provide extra coverage. Similarly, if you are found liable for someone else’s injuries and medical costs, an umbrella policy may cover those expenses too.

Umbrella policies are especially important for those who own a business, as they can protect against huge liabilities that might otherwise bankrupt them. In addition to liability protection, some umbrella policies may also include supplemental benefits such as personal injury protection or uninsured/underinsured motorist coverage. 

Umbrella policies can be invaluable when it comes to protecting yourself and your assets from potential losses resulting from accidents, legal judgments, and other unpredictable incidents that occur with no warning. If you want to make sure that you’re getting all the coverage you need for maximum peace of mind, consider investing in an umbrella policy today!

Contact Us Today

If you would like more information about an umbrella policy or have questions about your coverage, give us a call at the Slaughter Insurance Agency today. We proudly serve the Quinlan, TX area.

What Does Workers Compensation Insurance Do?

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Business owners in Quinlan, TX are not required to have workers compensation insurance, but it’s a protection against financial loss that many entrepreneurs choose to invest in. Your Slaughter Insurance Agency representative can give you the full scope of what is covered. 

What Does Workers Compensation Insurance Do?

Texas law has set forth limits on what workers can receive when their employer purchases workers compensation insurance. A company owner who decides to be a non-subscriber can be subject to lawsuits to compensate for injuries to employees incurred while on the job. These have virtually no cap and can include attorneys’ fees. Common legal defenses in personal injury lawsuits are not admissible in cases involving employers.

You are required to place a poster notifying new hires of coverage or noncoverage at the place of employment, and employees have five days to waive their rights to opt-in to this provision or not. 

Those who agree to be under workers compensation will be provided with the medical and income benefits that are due to them under the law but will lose their right to sue. Workers must be notified of this tradeoff via a government form once they have made their decision. 

Under workers compensation, employees are to be covered regardless of fault when they are hurt while carrying out duties that further an employer’s interests, and this can include travel. Perils that null and void this agreement include horseplay, intentional self-harm, or being under the influence of controlled substances or alcohol. 

Death benefits may also be applicable and paid to families of someone who dies in an accident while on the job, and this operates according to limits set by law. 

Slaughter Insurance Agency Serves Business Owners 

We provide quality insurance products for those in the Quinlan, TX area, and we can put together a package for you. We invite you to reach out to us today. 

Why should people in Quinlan get home insurance?

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If you are a resident of the Quinlan, TX area, it would be a good idea to own a home. Property ownership here comes with various long-term benefits, including offering a consistent place to live and allowing you to build equity. If you want to purchase a home here, getting the proper insurance is a necessity.

There are multiple reasons why someone here should get this type of coverage:

Ensure Assets are Covered

An important reason anyone will need to have a home insurance plan is to ensure their assets are covered. If you are going to purchase any type of property here, it would be beneficial to have it protected against various risks. A home insurance plan will give coverage to help repair or rebuild the property if it is damaged due to bad weather or a fire. 

Reduce Liability Risks

You should also get a home insurance plan in this state to reduce your liability risks. There are various risks that come with owning a home, such as an accident occurring on your property that results in an injury. As the damages in a liability claim such as these can be significant, you should ensure you are offsetting it as well as possible. Home insurance includes a provision for liability insurance that can help protect against this risk. 

Get The Right Coverage Today

People living all over the Quinlan, TX area will want to know that they are fully insured with a proper home insurance plan. There are a lot of choices that need to be made when evaluating your home insurance options and the Slaughter Insurance Agency will help you build a plan. Slaughter Insurance Agency will always take a customized approach to help you build a policy that meets your requirements and offers the right type and level of coverage.