Should I do an inventory of my condo?

Buying a condo in Dallas, TX is something many people aspire to. Dallas is a great place to call home, and condos are a popular way to enter the hot Dallas home market. No one likes to think of anything terrible happening to their home, but bad things do happen, and chances are pretty good at some point you will make a claim against your condo policy. That is why you should do an inventory of your condo. For those who live in Dallas, TX, or the surrounding area, the experienced staff at Presley Insurance Group can help make sure you have the right insurance for you and your condo. 

If a covered hazard strikes your condo, it could be destroyed. Imagine trying to remember what you had before a fire destroyed everything. It is much harder than you might imagine with nothing but ashes to remind you. A tornado leaves a similar level of devastation. 

A condo inventory is a listing of all your personal possessions. You can do it the old fashioned way with a pad and pen, or you can do a more virtual inventory. If you decide to make a physical list, you can and should still add pictures of all of your rooms and, in particular, any high price items. Be as specific as possible. Include brand names, date purchased, model number, and serial numbers. The more details, the better and attach any receipts you might have. Go into every nook and cranny of your condo and record what you find. 

When you are done, place the inventory in a safe place where you can easily access it if you ever need it. At the Presley Insurance Group in Dallas, TX, we strive to give the best possible service to all of our customers. To discuss your condo insurance needs, give us a call or stop by our office to talk to one of our team. 

Are Grass Clippings A Road Hazard for Motorcyclists

Motorcycle owners in Dallas, TX are aware of common road hazards that they may face when they go for a ride. Others, however, may not understand how specific road conditions can cause a motorcyclist to lose control and crash. Grass clippings and other lawn debris that is blown onto the road by homeowners mowing their yard can spell disaster for an inexperienced motorcyclist.

Grass Clippings and Lawn Debris

Fresh glass clippings can be too slippery once they land on the asphalt surface of a road. The moisture of the grass and the heat from the asphalt create a slippery surface that will cause motorcycle tires to slip or slide. Unless the motorcyclist understands how to compensate for these changes to the surface of the road, they may lose traction and the ability to control the bike adequately. These types of accidents are preventable, and many states have already passed laws concerning homeowners who blow their lawn debris into the roadways making the act illegal.

Changes in Road Conditions

Many other road conditions should also be noted. Most motorcyclists know to avoid dirt roads. Roads that have been "chipped and sealed" may also contain loose gravel that makes it hard to control the bike. The same is true for tar snakes and other improvements that are made to the roadways. While these are part of regular road conditions, it’s up to the motorcyclist to learn to navigate them. 

The agents at Presley Insurance Group serve Dallas, TX motorcycle owners. Each agent is well-versed in the laws about motorcycle use and is also well-aware of safety measures and regulations that are in place. If you would like to learn more, call the office today to schedule a policy review and learn what you can do to get the most out of every riding experience you have.

Why do I need auto insurance in Texas?

Dallas, TX is one of the largest cities and metro areas in the country. While there are some places in the area where tasks can be completed on foot, most people in the area need to use a vehicle. If you are going to purchase a vehicle here, it is vital that you get auto insurance. There are several reasons why you will need this insurance coverage here. 

Insurance is Needed to Comply with Loan Agreement

One reason why you need to have auto insurance is that it is required under your loan agreement. When you purchase a car in Texas, there is a good chance that you will need to take out a loan. If you do have an auto loan, you need to ensure that you stay in compliance at all times. One of the best ways that you can do this is by getting an auto insurance policy. With a full policy, you will have the collision and comprehensive insurance coverage that your lender demands. 

Required by State

Another reason to get an auto insurance policy in the Dallas, TX area is that it is required by the state. Drivers in Texas are generally going to be safe when they are behind the wheel. However, accidents do happen from time to time. If you cause an accident, you will have to pay for damages. To ensure that all drivers are able to cover these damages, the state requires that all people have a liability auto insurance policy at all times.

Picking an auto insurance policy in the Dallas, TX area is always a big decision. When you are looking for a policy, you should call the Presley Insurance Group. The team at Presley Insurance Group can answer any questions that you have about your auto insurance needs. 

Does Home Insurance Coverage Protect Personal Belongings?

Home insurance is one of the most important tools a homeowner can use to protect their investment. Although most people know they need home insurance, they may not know what the specific terms and conditions may be and exactly what is covered if there is a claim. 

Home Insurance Coverage

Each home insurance policy can differ, which is why it is important to work with an insurance agent who can help identify your personal needs and then offer insurance products that match your unique situation. Additionally, they can also help you get the contents of the home covered. In some cases, the policy has contents included. In others, there may be the need to get extra content insurance coverage added to the bundle. In either case, it is highly beneficial to have a knowledgeable professional on your side to help you make an informed decision. 

Agents Ready to Assist

Insurance agents make their clients needs a priority and will help guide them in the right direction whether it’s shopping for a policy, making changes, or filing a claim. Anyone who lives in the Dallas, TX area can rely on Presley Insurance Group to help them make the right choice and assist with any changes over the years. We are ready to work one on one to help you get the insurance protection you need to feel confident year-round.

Getting the right insurance coverage for a home is the best way to prevent losses and protect against future incidents. Let the agents at Presley Insurance Group help you get started with the process of finding the right policy if you live in or near Dallas, TX. Call or stop by today for more details.