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Important Facts About Motorcycle Insurance

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Motorcycle insurance premiums are determined by the way you use the vehicle as well as the type of motorcycle that you own in Dallas, TX. This type of coverage protects both you and the motoring public in case of an accident resulting in injury or damage.

There are several important facts to consider when purchasing motorcycle insurance. The experienced agents at Presley Insurance Group will help you understand these facts to ensure you get the right coverage to meet your needs.

Types of Necessary Coverage

You will need to include liability coverage in your motorcycle insurance policy to fulfill your insurance obligations in Dallas, TX. If you are ever involved in an accident, this type of coverage will pay for any property damage or injuries that you cause to the other party involved. However, liability insurance will not cover the cost of repairing or replacing your motorcycle.

Another type of motorcycle insurance that you need is uninsured motorist coverage. This type of coverage will protect you and your property if you are involved in an accident caused by a motorist that does not have adequate insurance coverage.

Medical liability will cover the cost of any injuries that are sustained during an accident by someone who is riding on the motorcycle with you at the time of an accident. It is important to understand your risks to know the type of coverage that is right for you.

In order to make sure you get the motorcycle insurance coverage that you need, take the time to talk with the knowledgeable agents at Presley Insurance Group. We understand all the different types of motorcycle insurance available and will be able to help you choose a policy that includes all of the coverage that is required to protect you and your motorcycle, so you can have peace of mind and enjoy the ride. Give us a call today.

Benefits for safe drivers in TX

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Presley Insurance Group is here to serve the insurance needs of the Dallas, TX metro community. If you have questions about vehicle insurance, we are here to help. Let us help you wade through your options and determine which policies, features, and coverage levels are appropriate for your needs.

Main benefits for TX safe drivers

The best benefit of being a safe driver in TX is the protection you afford yourself, your passengers, and your vehicle. Another great benefit is finding a policy that rewards your safe driving record. When it comes to auto insurance, safe drivers also have more options. If you are looking at upgrading your policy, you may want to take a look at the following options:

  • Safe driver discounts – when it comes to rewarding safe driving, most insurance companies are on board! Look for a policy that offers financial benefits for a safe driving record.
  • Disappearing deductibles – when you go for long periods of time without a claim, there are policies that will reduce your deductible. In fact, it is even possible to have it disappear entirely!
  • Bundle discounts – bundling your auto insurance with your home and life policies is another great way to get the robust insurance coverage you want without breaking your budget.

Enjoy the benefits of being a safe driver in TX!

If you have a safe driving record and are a resident of the greater Dallas, TX area, it’s time to talk to the team at Presley Insurance Group. We are here to help you enjoy the benefits of your safe driving. Call or stop by our office today and find out more!

Top benefits of comprehensive commercial policies in TX

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Primary commercial policies are a great place to start when it comes to protecting your business, but they may prove inadequate for your company’s long-term needs. Presley Insurance Group is here to help Dallas, TX area firms review their insurance needs and determine the right policy type and coverage level to protect their commercial interests. 

Top benefits of comprehensive commercial policies

A primary policy is often what companies choose when they are first getting off the ground. As a company grows and evolves, its insurance needs may also change. There are many comprehensive coverage options that may not be necessary as a firm gets started but becomes needed later down the road.

Some examples are inventory, equipment, and a commercial vehicle fleet. At the start of the company, a primary policy may be adequate because the company’s holdings are limited. As more time and money is invested in the business, it is often the case that insurance needs also increase. 

It is advisable to review a commercial policy on a yearly basis to ensure that it will provide adequate protection should a covered event occur. Unfortunately, many commercial entities simply renew their policies year after year without a review. Why not review your policy today and ensure that your company has the protection it needs?

Interested in learning more about comprehensive commercial coverage for your Dallas, TX business?

Presley Insurance Group is here to help you secure the right policy for your complete insurance needs. Please give us a call today to schedule a consultation with one of our informed and helpful agents. We look forward to working with you!

What Affects Your Home Insurance?

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Are you trying to find home insurance but feel like you don’t quite understand what affects your rates? You’re not alone. Many Dallas, TX residents feel this way and turn to us for help. Let us at Presley Insurance Group explain this to you.

Your Home’s Area 

Home insurance costs may go up or down depending on your city. For example, a home in a big city may be worth more than a rural home. However, rural homes with a lot of lands may require more coverage than an urban house. These factors can heavily impact your overall coverage option. 

The Quality of Your Home 

Do you have a very small home with limited space? Or is it a larger and more sprawling place? You also need to pay attention to the cost of your home, its overall age, and its general condition. These factors all play into the unique elements that affect your home insurance. 

Overall Safety and Protection 

How many safety steps do you take to protect your home? These elements will all affect the quality and value of your insurance and must be fully understood. Just as importantly, you need to avoid spending too much on a policy that doesn’t suit your needs.

The Policy You Choose 

Some people may want a more comprehensive policy that covers a broad range of different issues. By contrast, others may have a more basic option that doesn’t cost nearly as much to manage. Whatever you choose, it is important to make sure you feel comfortable.

Make Sure You Choose the Best Option 

As you can see, it is vital to find a provider that has your best needs in mind as a homeowner. Thankfully, we can help. At Presley Insurance Group, we serve the Dallas, TX area and provide friendly insurance protection.

Why do tenants need renters insurance in Dallas?

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The Dallas, TX area can be a very fun place to live. Those that are in this area will find there are many professional opportunities and recreational amenities to enjoy. If you are moving to this area of Texas, renting your home can be a good idea. If you do decide to rent your home here, you also need to consider your insurance needs. Renters insurance is needed here for a few reasons. 

Insurance Could be Lease Obligation

A reason that you will need to have renters insurance here is that it could be a lease obligation. Landlords are aware of the valuable protection that it can provide a tenant. This can then indirectly provide security to a landlord as well. Due to this, many landlords will require that you carry a full insurance plan at all times. They may even require that you provide evidence of the coverage before the lease term begins. 

Coverage is Needed to Protect Tenant

There are situations when a landlord will not require insurance. However, it is still a good idea to get a full insurance plan. When you are looking for a plan here, you will find that it can cover any of your personal assets and give you liability support. These forms of insurance could prove to be very helpful and save you a lot of money if an accident occurs. 

Renting a home can be a great idea for those in the Dallas, TX area. When you are looking to rent a home here, you need to pick the right insurance. As you’re looking for a home to rent here, speaking with Presley Insurance Group about your insurance needs would be a good idea. The team with Presley Insurance Group can help you assess your needs and options and build a new plan. 

What Condo Insurance in Texas Offers Homeowners

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Do you own a condo in Dallas, TX? While it may be different than owning a single-family home, it can often be more confusing because of HOA involvement and what it covers vs. what homeowners do. 

If you aren’t sure what insurance policy is best for your condo, Presley Insurance Group can clear up some of the confusion for you. We have agents who specialize in condo insurance and can answer your questions and help you feel more empowered by your insurance selection. 

While your condo insurance may cover things like the unit itself, and your personal property within the condo, there is more gray area when it comes to the landscaping, your driveway, and even the exterior of the building. 

Just like homeowner’s insurance, condo insurance typically covers you in the event of damage to the home or if your belongings are stolen. Purchasing a condo is a very wise investment decision, regardless of your age or what phase of life you are in. Whether you intend to live there for the foreseeable future, flip it, or rent it out, maintaining condo insurance as long as you are the owner is essential. 

Think about any investment you’ve made in your life. It’s a heightened risk to make investments in property, so you should take the necessary steps to ensure your most valuable possessions are covered and well cared for. Condo insurance in Dallas, TX will give you peace of mind and comfort in the fact that whatever happens, your home and personal property are protected. 

If you need condo insurance but aren’t sure where to start, or what kind of coverage is best, contact the experts at Presley Insurance Group. We can help you make the right choice. 

Who needs motorcycle insurance in Dallas?

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Those that live in the Dallas, TX area will find that owning a vehicle makes it easier to get around the entire metro area. As you are looking for a vehicle, it would be a good idea to get a motorcycle as they are efficient and fun to operate. If you would like to get a motorcycle here, you need to make sure that you have proper motorcycle insurance coverage at all times. 

Those with Outstanding Loans

A situation when having motorcycle insurance is needed is when you have an outstanding loan. The process of buying a motorcycle can end up being quite expensive and taking out a loan is a way to ensure you can afford the purchase. If you do have a loan outstanding, your lender will require you to carry proper coverage. This can include requiring you to have motorcycle insurance with comprehensive protection.

When Driving on a Public Road

Those that have motorcycles in this area of Texas are also required to carry motorcycle insurance when they want to drive on a public road. If you decide to drive on a road in this state, you need to comply with the requirements surrounding liability insurance. If you do not have at least the minimum level of liability motorcycle insurance, you will be out of compliance with the law and could be penalized. 

People that live in the Dallas, TX area and have a motorcycle need to ensure they pick the right insurance plan. As you are evaluating all of your insurance options in this area, calling the Presley Insurance Group is a great option. The insurance team with the Presley Insurance Group can help you carefully assess all of your options and choose a plan that will give you ideal coverage. 

Understanding the Nature of Liability in a Car Crash

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Millions of car crashes occur every year, many of which cause extensive damage to vehicles. If you’re in this situation and you aren’t sure who to blame, it is vital to understand the nature of liability and how it affects your policy. We at Presley Insurance Group can help Dallas, TX residents understand more.

Liability is Decided by Who Caused the Accident

Blame is typically placed on the person who contributed most to a car accident. Sometimes, this information is much more apparent than it is in other cases. For example, if a person racing at 150 miles per hour hits a parked car, they are liable for the accident.

However, some states have what is known as a shared liability defense. This concept states that both people involved caused the accident and rates them according to the percentage of the accident that they triggered. As a result, your insurance may be affected in many ways.

How Your Insurance May Change

Expect your insurance company to cover any liability problems caused by your crash up to your term limit. Once that is paid, you will have to pay out of pocket for any other expenses. You can also expect your premiums to increase significantly and may even find yourself on a "high risk" policy.

These policies are typically designed for people who are considered problematic or likely to cause situations like car crashes. Getting one of these policies is often frustrating and may affect things like your credit score.

Don’t Get Caught in a Hard Situation

If you were in a car crash and fear that you might have been liable, contact us at Presley Insurance Group to learn more about how you might be affected. We will help Dallas, TX residents and those in the surrounding area better understand this situation.

Why Texas Business Owners Should Add Cyber Coverage To Their Commercial Insurance Policies

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Presley Insurance Group is an independent agency. We view all of our clients like family. Establishing that connection with our clients helps us ensure that all of their needs are covered. We offer multiple types of coverage to the Dallas, TX community. We look forward to serving you and helping you find the coverage you need to protect what matters most.

Why Texas Business Owners Should Add Cyber Coverage To Their Commercial Insurance Policies

The Dallas, TX economy thrives due to growing businesses. However, this also means that the marketplace is very competitive. As a business owner, you are constantly looking for ways to stand out from others in your chosen industry. Commercial insurance is important because it protects your business if an emergency arises. The foundation of your policy is liability protection. Your business is covered if you are held responsible for accidentally causing harm to someone or damaging someone’s property. Liability coverage helps ensure that you will not lose your business because of an accident. Commercial insurance also covers your business if your inventory and equipment are stolen or damaged.

In this current age of technology, many businesses are using digital processes to operate their business. That comes with a lot of risk, as hackers are constantly looking for ways to infiltrate sensitive data. Cyber coverage protects your business if you are the victim of a security breach. Without cyber coverage, you would be held liable if a hacker gains access to your customer’s or employees’ bank account information or Social Security Numbers. This could be seen by many as a breach of trust, possibly damaging the reputation of your business moving forward. Cyber coverage could prevent you from losing your business.  

Presley Insurance Group Will Help You Protect Your Investment

Visit our website to learn more information about commercial insurance.

Things to consider when choosing your home insurance coverage

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Home insurance is not a single type of coverage. There are several components, and they all have things that need to be considered. Every homeowner has different needs, and every home policy needs to fit that homeowner. At Presley Insurance Group in Dallas, TX, we have developed a market with over 100 carriers. We aim to retain our customers by getting to know them and making sure we tailor their insurance to their unique needs. 

How much liability insurance you need

Liability protection is a vital part of home insurance coverage. If you have considerable assets, you need considerable liability coverage. Suing has become a national pastime, and 10% of all people will be sued every year, 30% will be sued at least once in their lifetime. If your number comes up, you need to have enough liability coverage to protect yourself. A basic home policy won’t have enough coverage unless your assets are pretty basic. 

What riders might you need to add

While home insurance covers many things, it does have limits and exclusions. You get can around these with a rider to your policy. 

  • Jewelry– If you have some expensive jewelry pieces, you may have already surpassed the limit on your home insurance.
  • Sewer backup– This is not covered on a typical home policy. If it worries you, add a rider. 
  • Hurricane– If you live in a state where hurricanes are dangerous, checking that you have hurricane coverage is important. 

How your home is valued

Make sure the figure your home is valued at will actually allow you to replace it if it is a complete loss. Do some research and discuss the square footage and improvements with your agent. Three out of five homeowners are underinsured. 

When you are in the market for home insurance, contact Presley Insurance Group in Dallas, TX.