Natural Disaster Coverage: What Your Home Insurance Policy Should Include

Do you know if your home insurance policy adequately protects against natural disasters? Here at Presley Insurance Group, serving Dallas, TX, and the surrounding areas, we understand the importance of having comprehensive natural disaster coverage as part of your home insurance. Here’s a guide on what to look for to ensure you’re adequately protected.

Understanding Natural Disaster Coverage

Natural disaster coverage is essential for homeowners, especially in areas prone to storms, floods, and wildfires. This coverage can help to protect your home and possessions from damage caused by these unpredictable events. However, not all home insurance policies automatically include all types of natural disaster coverage, so it’s crucial to understand what is and isn’t covered.

Essential Coverage Your Policy Should Include

  1. Flood Insurance: Many standard home insurance policies do not cover flood damage. If you are in a high-risk area, it is wise to consider adding flood insurance to your policy.

  2. Windstorm Coverage: This includes protection from damage caused by high winds, hurricanes, and tornadoes. Some areas might require separate windstorm policies, so it’s important to check the specifics of your coverage.

  3. Earthquake Insurance: Earthquakes can happen at any time. Most home insurance policies do not cover earthquake damage, so adding this coverage could be smart if you’re in an at-risk area.

Contact us today!

Waiting until a natural disaster strikes to discover gaps in your coverage can be costly. Reach out to us at Presley Insurance Group. We are here to help our Dallas, TX, and surrounding neighbors today. We’ll help you review and adjust your policy to ensure you have protection against whatever nature throws your way. Let’s make sure you’re prepared for the next big storm.

Short-Term Rentals and Renters Insurance: Navigating Coverage Gaps and Liability Issues

Distinguishing Car Insurance and Motorcycle Insurance

As a new motorcycle owner in Albany, OR, you might believe your auto insurance coverage extends to your motorcycle. However, a motorcycle requires a separate insurance policy, even though there are numerous similarities between the two policies. The Allen & Associates Insurance Inc. team can help clarify these differences and assist you in finding the coverage that suits your needs.

Understanding Motorcycle Insurance Costs

Although the number of companies offering motorcycle insurance may be fewer, the policies you do find are typically less expensive than auto insurance. As motorcyclists cannot ride in adverse weather conditions such as heavy rain or icy conditions, the probability of damage is considerably lower. Motorcycles are also less likely to cause significant damage to property and other vehicles in accidents. Therefore, the costs associated with comprehensive and collision coverage are usually lower. However, owners of high-end motorcycles may end up paying higher premiums due to the cost of their bikes.

Additional Coverage Considerations

Considering that motorcycles are unique vehicles, they are accompanied by special considerations that may not apply to cars. For instance, motorcycle riders and their passengers are more susceptible to severe injuries due to the lack of a protective shell found in vehicles. Therefore, having sufficient medical coverage for such potential injuries becomes vital. You should consider getting guest passenger liability coverage if you frequently have passengers. Additionally, if your bike is laden with expensive accessories, it is advisable to have provisions to cover those.

Get Tailored Motorcycle Insurance

To get motorcycle insurance that meets your exact needs, contact the professionals at Allen & Associates Insurance Inc., located in Albany, OR. Contact us today to schedule a consultation.

Updates and Renovations: Impact on Condo Insurance

Understanding Implications of Condo Renovations on Your Insurance in Dallas, TX

Are you in the process of updating or renovating your condo and uncertain about how this will affect your insurance? At Presley Insurance Group, serving Dallas, TX, and the surrounding neighborhoods, we understand this can be exciting and overwhelming. Such changes can significantly affect your property, emphasizing the importance of considering the potential long-term effects on your insurance coverage.

Navigating Insurance Adjustments After Renovations

Updating parts of your condo, such as the kitchen and bathroom, or expanding your space to enhance its feel may increase your property’s value. In turn, checking how this will impact your insurance coverage becomes vital. When filing another claim, you don’t want unexpected surprises that could lead to financial issues or complications.

Busting Common Misconceptions and Oversights

As condo owners, it’s easy to assume that your association will cover certain renovations. However, usually, the association only covers the exterior and common areas. The responsibility for the interior of your condo rests with the condo owner. Avoiding surprising revelations requires crucial groundwork on your part, such as meticulously checking your insurance when planning condo updates or renovations.

Ready to Update Your Policy?

Whether you’ve recently renovated your condo or plan to, let Presley Insurance Group assist you in tailoring your insurance to match your revamped living space. Serving Dallas, TX, and surrounding areas, we’re dedicated to providing the information and support you need to make informed insurance decisions. Contact us today to review your current policy and ensure your home is fully protected.

Motorcycle Safety and Insurance in Dallas, TX: What Every Rider Needs to Know

Improving Motorcycle Safety and Insurance in Dallas, TX

Driving a motorcycle in Dallas, TX, carries potential risks, especially on major highways and toll roads, where traffic is frequently dense. Understanding road safety is crucial, as is having dependable motorcycle insurance. At Presley Insurance Group, we’re committed to ensuring your safety and peace of mind on the road.

Riding in Compliance with the Law

Motorcycle riders in Dallas, TX, might think they know all the legal aspects, but double-checking doesn’t hurt. Key components of legal riding include:

  • Holding a valid motorcycle license
  • Having appropriate insurance and registration for your motorcycle
  • Owning a helmet for both you and any passengers
  • Observing all traffic laws

If you’re new to Texas, consider enrolling in a safety course to familiarize yourself with unique state traffic laws.

Ensuring Safe Motorcycle Driving in Dallas, TX

In Texas, particularly in Dallas, your driving skills can determine whether your journey ends on a high note or a sour one. Although Texas doesn’t mandate built-in signals for motorcycles, they’re highly recommended. If your motorcycle lacks them, be certain to use the correct hand signals each time you turn or change lanes. Also:

  • Be vigilant about checking for blind spots
  • Maintain appropriate speed
  • Avoid lane-splitting with other bikers

Focus on road safety and invest in adequate insurance. More extensive coverage can offer you increased peace of mind. Contact us at Presley Insurance Group today, and our experienced agents will help customize a policy and quote tailored to your needs.

Four reasons why you might want to make some changes to your auto insurance coverage

Motorists need to realize that their auto insurance needs may change over time. At Presley Insurance Group, we can help motorists in Dallas, TX, to find an auto insurance solution that’s just right for their situation.

Here are four reasons why you might want to make some changes to your auto insurance policy. 

You’ve bought a new vehicle.

Your auto insurance policy is customized for your vehicle. If you add a new vehicle to your policy or you replace your vehicle, your auto insurance policy will need to be adjusted accordingly. Ensure you contact your auto insurance company whenever you acquire a new vehicle to insure. 

You need to add another driver to your policy.

You might need to add another driver to your policy if your child becomes a licensed driver or your spouse uses your vehicle frequently. You can’t assume that your policy will cover your vehicle if an individual is driving your vehicle who isn’t listed on your policy. 

You’ve moved to a different state.

Different states have different auto insurance requirements that motorists need to meet. This means switching to a new auto insurance policy is necessary if you relocate to another state. 

You’ve had your vehicle modified.

Modifications to your vehicle could make it so that your vehicle’s value is significantly increased. In this case, you’ll want to increase your auto insurance policy coverage so that your vehicle is covered for its full value. 

We’re here to assist you when adjusting your auto insurance coverage in Dallas, TX. Call us today at Presley Insurance Group for a quote on a policy. 

Worker Walkouts: Are You Covered By Your Insurance?

Running a Dallas, TX, business can be callous, especially when you face an unexpected walkout. At Presley Insurance Group, we can help you through this process with a commercial insurance policy that should protect you in this scenario and keep your firm open as long as possible.

How Your Insurance May Help 

Commercial insurance is designed to protect you from any number of serious problems. For example, it’s particularly useful for walkouts and other interruptions and can keep you going when you can’t operate. It’s important to understand the many ways that it helps you with:

  • Business Interruption Coverage: Commercial policies provide a business interruption rider that helps you stay open when your business is interrupted for any reason, such as walkouts.
  • Lost Wages Protection: You can’t make much money when your employees walk out, and your commercial policy should protect you against lost wages and earnings.
  • Closure Insurance: When you close your business after a walkout, a solid commercial insurance policy can help keep you safe and avoid permanent closure.
  • Employee Support: If you get your employees to return to your facility, consider expanding your commercial insurance to provide them with more benefits to prevent another walkout.

It’s critical to look at your policy and see if it contains all of this protection. If, for any reason, it does not, it’s important to upgrade it before a walkout occurs. You don’t want to get caught unaware and end up with serious operating costs you can’t afford.

Let Us Know If You Need Help

Our team at Presley Insurance Group can help Dallas, TX, businesses understand their protection when employees walk out. We’ll do what we can to keep you open and operational and strive to reduce the impact that this frustrating situation has on you.

Home Insurance and Roofs: What You Have to Know

At Presley Insurance Group, we can help you discover home insurance that protects your Dallas, TX, from various disasters. For example, your policy can financially protect against many roof-related issues concerning events that occur beyond your control.

How Insurance Helps You 

Home insurance covers a pretty broad range of issues, including your roof. It’s designed to help repair various problems that might occur if a myriad of unexpected issues suddenly impact your roof. Typically, it should kick in to help you pay for repairs and maintenance when necessary.

Things It Will (and Won’t) Cover 

Roofing insurance will cover a variety of problems to protect your home and keep it safe. These usually include natural things or factors outside your control, such as wind and hail, fire and smoke, snow and ice, falling objects hitting the roof, and vandalism and theft from outside sources. 

That said, your policy will typically not cover gradual wear and tear problems, rot or mold, normal aging issues, animal attacks, and earthquakes. Many of these things are caused by homeowner neglect, and a policy will never cover anything you neglect to manage properly. 

You can often find protection against things like earthquakes and other catastrophes by upgrading your policy. Don’t expect an insurance company to pay for general wear and tear problems and issues you should have caught during your roof maintenance.

It’s Time to Contact Presley Insurance Group

With the help of Presley Insurance Group, your Dallas, TX home’s roof can be protected against many types of common damage. As importantly, we can ensure that you understand common policies that help you stand out. Call us today to learn more about what to expect from us.

Backing up Your Renter’s Insurance Claim

Renter’s insurance is intended to cover your losses or damages when you aren’t the owner of the property where you live. Your possessions could be subject to theft, water damage, fire damage, and more. Since there is much less control when you’re a renter, it makes good sense to get renter’s insurance from an agency such as Presley Insurance Group serving the Dallas, TX metroplex.

Back up any renter’s claim you may have with the following pro tips:

Make an Inventory

After you’ve settled into your new rental unit, document all your possessions. If anything is stolen or damaged, you may need to prove that you owned them in the first place. The easiest way to do this is to simply walk around your place, making a video with your phone. Be sure to film things that are stored, like sports equipment, expensive clothing, jewelry, etc.

File Receipts

The second thing you’ll have to show to an insurance company is the value of the item that was lost or damaged. You can do this by showing your purchase receipt. Whenever you buy something tangible, like an asset, keep the receipt or a photo of the receipt and file it on your phone or computer.

Make a Police Report

In cases of theft, be sure to file a police report. This report helps to validate your renter’s insurance claim and makes it more likely your claim will be approved.

We Are Here To Help

Backing up your claim with these tips will help to ensure that you’ll be compensated for a fair amount in case of damage or loss. At Presley Insurance Group serving Dallas, TX, your renter’s insurance claim will be given top priority. Contact us to arrange for a new policy or for any questions related to the renter’s insurance.

How Condo Insurance Works

If you own a condo, you own your own home and need to do everything you can to protect it. Your condo board and your lender likely both require that you have this insurance. Without it, you would be extremely financially vulnerable. Condo insurance is highly similar to home insurance, but there are a number of differences between them as well. When you own a condo and need a condo policy, give us a call at Presley Insurance Group in Dallas, TX to find out more. 

Dwelling Protection

One of the main differences between home insurance and condo insurance is that condo coverage doesn’t cover the entire dwelling. It will only cover the areas that you actually own. The outside portion of the outer walls is owned by the condo board rather than you. Depending on your contract, you may own the inside of those walls, or your ownership may end at the inside of those walls. Your condo insurance will take into account the areas that you own and cover them all. If a damaging event occurs, the insurance will pay for the damages that need to be repaired. 

Protection of Possessions

Like home insurance, condo insurance also covers the items that you own in your home. If those possessions were to be ruined in a covered event, the policy could pay for them all to be replaced. This is important coverage when you think about the value of everything in your home. With condo insurance, you won’t have to begin again with nothing after a serious event happens. You can get back on your feet far more quickly with this coverage. 

Get Condo Insurance

Owning a condo is a great way to own your own home. If you have a condo, make sure to protect it with insurance. To get a policy, call us at Presley Insurance Group in Dallas, TX.

Motorcycle Etiquette: A Dallas Rider’s Guide

At Presley Insurance Group in Dallas, TX, we provide local riders with all of the tips and pointers that they need most. Motorcycle etiquette is a common topic and we pride ourselves on arming all of our clients with all of the information that they need most. That’s why the following guide is here to help riders learn everything they need to know.

Is Motorcycle Insurance Required In The State of Texas?

In the state of Texas, automotive insurance is a requirement for every resident who will be operating a motor vehicle. Liability insurance is a must so that other drivers are able to receive the assistance that they need once a collision has taken place. Every registered vehicle operator is legally required to carry these insurance policies in Texas, or they will face penalties. This includes riders who are operating a registered motorcycle.

What Basic Rules Should a Rider Know?

There are a few basic rules that a rider in the state of Texas should be aware of. For starters, lane splitting is illegal. A motorcycle’s smaller frame and maneuverability cannot be used in this manner. All riders under the age of 21 are legally required to wear a helmet as well.

As for those who are over the age of 21, a helmet is required unless you have completed a state-required safety course. The helmet requirement can also be waived if you obtain an insurance plan that provides coverage for healthcare costs that are incurred as a result of an accident.

Schedule A Consultation Today!

If you have any further concerns regarding motorcycle etiquette, be sure to contact Presley Insurance Group in Dallas, TX. Our team of professionals is always on hand, ready and waiting to address any additional questions that you may have. Feel free to contact us as soon as possible!