Backing up Your Renter’s Insurance Claim

Posted on by admin

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

Posted on by admin

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

Posted on by admin

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!

Tips to Help You Prepare Your Car for Winter

Posted on by admin

There are many different steps you need to take to get your car ready for winter. But did you know that some of the steps you can take can help to keep you safe when driving on wet, icy, or dark roadways this winter? Here are a few tips from Presley Insurance Group, serving the Dallas, TX metroplex, to help you prepare your car for winter to reduce your accident risk. 

Prepare Your Car for Winter

Check and Maintain Your Tires

Inspect your tires for proper tread depth and inflation. Consider switching to winter tires for improved traction on icy or snowy roads. Ensure tire pressure is at the recommended level to maintain optimal grip. Properly checking and maintaining your tires can help you avoid tire blowouts or sliding in wet or icy conditions.

Maintain Visibility

Replace worn or damaged windshield wipers and ensure that the windshield washer system is working correctly. Consider using winter-specific washer fluid with antifreeze properties. Keep an ice scraper and snow brush in your car for clearing ice and snow from windows. All of these tips will help you to see clearly when you are driving in less-than-ideal conditions.

Inspect Lights and Signals 

Check that all exterior lights, including headlights, taillights, brake lights, and turn signals, are functioning properly. Winter days are shorter, and good visibility is crucial for safe driving. Additionally, ensuring your signals and taillights are working helps you to remain visible to other drivers on the roads.

Keep Your Insurance Updated

The steps you take now can help you prepare your car for winter. If you are in the market for a new auto insurance policy in the greater Dallas, TX area, the insurance agents at Presley Insurance Group would love to help you. Call us today to obtain an estimate.

Three problems you may face if you don’t have commercial insurance

Posted on by admin

If you own a business, you need to get commercial insurance for your company. Presley Insurance Group insures businesses in Dallas, TX. We’re here to assist you if you need information on commercial insurance.

You’ll avoid a lot of problems by carrying insurance.

The following are three problems you may face if you don’t have commercial insurance:

Lost revenues if you face a business interruption

Business interruption coverage is one of the numerous types of coverage that commercial insurance often includes. This type of coverage will compensate you for lost revenues you face if your business operations are interrupted by an event such as a natural disaster or an accident at your facilities. 

Difficulties with expanding your business

It can be challenging to grow a company without commercial insurance. For one thing, you might find it more difficult to get business funding without insurance. That’s because lenders often won’t loan capital to companies that aren’t insured. 

With commercial insurance, you’ll find it easier to get a business loan when you need one. 

Costly legal fees

Any company could face a lawsuit that makes it so that they need legal representation. You could face expensive legal fees if your company is sued.

Commercial liability coverage is one of the most basic types of coverage that commercial insurance policies include. Liability coverage allows you to file a claim if your company is sued. Your insurance provider will then cover the costs you face as you mount a legal defense and defend yourself against the lawsuit in question. 

We Are Here To Help

Make your job easier and less stressful with commercial insurance in Dallas, TX. Do you need a quote on an insurance policy for your company? At Presley Insurance Group, we’re happy to help you research your commercial insurance options. 

Tips to Help You Get Your Home Ready for Summer

Posted on by admin

Here at Presley Insurance Group, serving the greater Dallas, TX region, our team can help you get the home insurance you are in the market for. However, in addition to this, we also want to help provide you with tips that can help you avoid having to use your home insurance. By properly caring for and maintaining your home, you can minimize the chances of needing to use your home insurance policy.

Here are a few tips to help you get your home ready for summer:

Pressure Wash Your Driveways, Sidewalks, and Walkways

One of the best ways to get your home ready for summer is to pressure wash all of the walkable surfaces around your home, including pool decks, patios, decks, sidewalks, driveways, and walkways. Pressure washing helps the surfaces to look their best while also helping to remove any substances that can be slippery. 

Have Your Roof Inspected

It is also important to have your roof professionally inspected during the summer months. Winter and spring can bring wet weather and strong wind gusts. Having your roof inspected helps you to catch potential damage before it becomes a larger issue. 

Trim or Prune Your Trees

Lastly, take the time to trim or prune your trees during the late spring, summer, or early fall months. This helps to ensure that dead growth does not fall from the tree and damage your home or any people beneath the tree. 

We Are Here To Help!

Pressure washing your surfaces, having your roof inspected, and trimming or pruning trees are some of the best tips to help you get your home ready for summer. This can minimize the chances of damage to your home. It is important to note though, that you cannot prevent all damage to your home, and this is why having the right home insurance policy is so important. If you are looking for a new home insurance policy, Presley Insurance Group, serving the greater Dallas, TX area, can help. Call us now to get started. 

Why Renters Insurance is a Must Have for Texas Renters

Posted on by admin

Many Texas residents who rent apartments or rental homes make the mistake of thinking that their landlords will cover or replace their personal property in the case of an unexpected event like fire or theft. 

Why Texas Renters’ Insurance is a Must Have

Renters insurance covers Dallas TX, area renters for furniture, clothing, electronics, and other personal belongings specified by your policy. Some policies can even include provisions that protect renters from liability when visitors are injured on their property. 

Renter’s insurance provides financial peace of mind and security at a relatively low price. Contact the experienced insurance professionals at Presley Insurance Group to learn more! 

Renter’s Insurance is Affordable

When you compare the monthly or annual costs for renters’ insurance to auto or home insurance, you’ll notice a significant difference in the costs. This is because insurance to protect your valuables is affordable and much less expensive than other forms of insurance. 

Renters Insurance Protects Your Peace of Mind

Most people who buy renters’ insurance do so because it gives them financial protection and peace of mind. In addition, rental insurance policyholders rest easy when they know their personal property and favorite devices can be replaced in the case of theft, fire, or damage. 

Your Landlord May Require It

Your landlord may require their tenants to have renters insurance as a provision of your lease. In fact, many Texas-area landlords will only finalize a lease once they know their tenants have adequate insurance to protect their belongings from unexpected mishaps. 

Get Renters Insurance in Dallas

Do you live in the Dallas, TX metroplex and need a free renters’ insurance quote? Contact the experts at Presley Insurance Group! 

Our experienced insurance agents can answer your renter’s insurance questions and help you choose the best renters’ insurance policy to protect your favorite things. 

Three things that might surprise you about condo insurance

Posted on by admin

Condo owners need to be well informed about what condo insurance is and how it works. Condo owners in Dallas, TX can rely on us at Presley Insurance Group to meet their coverage needs.

The following are three things that might surprise you about condo insurance:

The master policy of your condo facility won’t cover you for accidents that take place in your individual unit. 

While the master policy of a condo association does offer coverage to the building itself and any common areas, this policy won’t cover issues within your unit. This means that the master policy won’t provide liability coverage for you if an accident happens within your unit.

Condo insurance won’t include flood or earthquake damage.

If you want to have flood and earthquake damage coverage for your condo, you will have to purchase separate policies for these types of coverage or purchase added coverage for earthquakes and floods on your condo insurance policy.

You cannot expect a standard condo insurance policy to cover you for flood and earthquake damage.  

Your individual condo insurance policy can cover the value of personal possessions within your unit. 

One of the best things about having condo insurance is that the value of your possessions will be protected.

If an accident happens in your condo building and your belongings are damaged or destroyed, you will be compensated for their value up to a certain amount by your condo insurance policy. 

Give Us A Call

Let us help you to cover your condo in Dallas, TX. At Presley Insurance Group, we’ll be happy to come to your assistance by offering you quotes on a condo insurance policy that will meet your needs. 

Four rules to follow when you buy motorcycle insurance

Posted on by admin

Buying motorcycle insurance is a priority if you are a biker in Dallas, TX. When you purchase a motorcycle insurance policy, there are a few rules that you should follow. At Presley Insurance Group, we can help you to meet your motorcycle insurance needs.

The following are four rules that you should follow when you buy motorcycle insurance:

Meet minimum coverage requirements for Texas

The most important rule to follow when you buy motorcycle insurance is to purchase a policy that meets the minimum coverage requirements in Texas.

In Texas, you are legally required to carry at least $30,000 per person in injury coverage and $25,000 in property damage coverage per accident.

Purchase both liability and collision coverage

Some bikers make the mistake of foregoing collision coverage and only purchasing liability coverage. If you want to protect your bike’s value and make sure that you’ll be compensated for damage to your bike in an accident, you need to purchase collision coverage.

In fact, if you want to enjoy full coverage, you should purchase comprehensive coverage in addition to liability and collision coverage. 

Remember to update your coverage down the road

You shouldn’t simply continue to renew the same exact motorcycle insurance policy without reviewing your situation. You might want to make changes to your policy if you discover discounts, added policy features, or coverage amount changes that can improve your motorcycle insurance. 

Research your options thoroughly before choosing a motorcycle insurance policy

Get a few different quotes that you can compare when you’re choosing a motorcycle insurance policy. Exploring your options ensures that you’re getting a good deal on coverage. 

Reach Out To Us

If you call us at Presley Insurance Group in Dallas, TX, we can come to your assistance by answering your questions about motorcycle insurance and providing you with a policy quote. Get in touch with us to learn more. 

Who benefits most from auto insurance?

Posted on by admin

With the many types of insurance available, it’s hard to know what you need and what you don’t need. Auto insurance is no exception.

There are so many different types of coverage that you can buy for auto insurance. Which ones do you need, and who benefits from the types of coverage available? Presley Insurance Group, serving the greater Dallas, TX region, is here to answer all your questions. 

Types of auto insurance coverage

There are several types of auto insurance coverage, but there are three main categories among insurance companies. Those coverage options include liability, comprehensive and collision coverage, and uninsured motorist coverage. Let’s explore what these options are and why they might be beneficial to you.

Liability

Liability insurance covers the cost of damage and injuries that occur to the other party if you are the one who caused the accident. These costs include any damage to the vehicle or property, medical bills, pain and suffering, and lawsuits.

Comprehensive and collision

Comprehensive coverage covers your vehicle if something other than a collision damages it. Collision coverage covers damage to your vehicle when you get into an accident, even if the accident is your fault.

Uninsured motorist coverage

If you get into an accident, someone else caused, their liability insurance is supposed to cover you. However, not everyone has the right amount of liability insurance to cover the claim. When that happens, uninsured or underinsured motorist coverage can cover the damage they caused.

Who benefits from having auto insurance?

Auto insurance benefits anyone who drives a vehicle. Most states in the United States require a minimum amount of liability insurance for all registered drivers. If you don’t have the minimum required amount, they could suspend your license, and you could be responsible for out-of-pocket costs.

Give Us A Call

Contact us at Presley Insurance Group in Dallas, TX to discuss your options and to get a non-obligation auto insurance quote.