How Often Should I Review My Motorcycle Insurance Policy?

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Motorcycle insurance is an important part of owning a bike. It protects you in the event that you are involved in an accident. However, it’s important to remember that your policy is not set in stone. You should review it regularly to ensure it still meets your needs.

Here is when to review your motorcycle insurance policy:

You Added New Accessories to the Bike

If you’ve just added a sweet set of pipes or a flashy new seat to your motorcycle, you might be thinking about how much your insurance rates will go up. After all, customizing your bike is one of the best parts about being a motorcycle enthusiast. But before you start worrying about your premium, notify your insurance company about the changes.

Your insurer will want to know about any modifications you’ve made to your bike, as they can affect both the value of your bike and the amount of risk you pose on the road. In some cases, adding new accessories to your motorcycle could even help you get a discount on your premium. So it’s always best to err on the side of caution and call your insurance company after making any changes to your bike.

You Moved to a New City

If you’ve recently moved to a new city like Dallas, TX, updating your insurance policy to reflect your new address is important. The reason for this is twofold. First, different cities have different rates of motorcycle theft and accidents. So if you’re moving from a rural area to a big city, you can expect your rates to go up. Talk to Presley Insurance Group to find out how your rates could change.

You’ve Been Riding More Often

If you’ve been hitting the open road more often, that’s great news! But it also means you might be at a higher risk for an accident. Most insurance companies take this into account when they’re calculating your premium, so if you’ve been riding more frequently, you can expect to see a slight increase in your rates.

Call Us Today

As a motorcycle enthusiast, it’s important to stay up-to-date on your insurance policy. If you’re looking for a great motorcycle insurance policy, be sure to contact us today at Presley Insurance Group in Dallas, TX. We’re always happy to help our clients find the best possible coverage at the most affordable rates.

3 Wonderfully Weird Places To See In Dallas

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Dallas, TX offers an abundance of experiences for the adventurous soul. From wine trails to urban hiking trails and from haunted hot spots to hidden parks, there is no shortage of activities in our fair city. So how can you make the most of your time here? By exploring its nooks and crannies. Here are our Top 3 recommendations for discovering how wonderfully weird Dallas, TX can be. Before you hit the road, however, make sure you have the right insurance coverage for your vehicle. 

Explore Dallas With Auto Insurance Coverage From Presley Insurance Group

Dr. Flatt’s Hand Collection

Bar none, Dallas’s oddest museum is The Adrian E. Flatt, M.D., Hand Collection. Inside, one will find the world’s most extensive collection of rare and unusual hand casts on display. Dr. Flatt was a prolific orthopedic surgeon who collected bronze hand casts from medical mysteries to sports stars and even former presidents. This collection of mighty mitts can be found at the Baylor University Medical Center.

The Samurai Collection

Located in the Ann and Gabriel Barbier-Muller museum, The Samurai Collection boasts the most extensive collection of samurai armor outside of Japan. It features over 1,000 objects, including armor, horse armor, and weapons. The group also houses several masterpiece works.

Goatman’s Bridge

This legendary bridge in the Denton suburb has featured many ghost-hunting and supernatural-focused TV shows and books. Officially known as the Old Alton Bridge, the bridge gained its spooky reputation due to several legends with differing details. What all have in common is a goatherder who is hung over the side of the bridge by a group of angry men. Locals believe that if you cross the bridge late at night, there’s a chance you’ll see the specter of the Goatman out for revenge.

Get the Right Auto Insurance Before You Explore

There’s plenty more to the Dallas, TX area, and its wonderfully weird history, so get out there and explore! And while you’re at it, stop by Presley Insurance Group to ensure you have the right car insurance for wherever the road takes you.

Required Commercial Insurance in Texas

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When you own a business in Texas, there is certain commercial insurance that you may need. The types of insurance that you should have for your business depend a lot on the type of business you run. In Texas, there is only one type of commercial insurance that is required by law, but there are many others that you should have to protect yourself and your business. If you need commercial insurance, contact us at Presley Insurance Group in Dallas, TX.

Commercial Auto Insurance

When your Texas business owns a vehicle, that vehicle has to be covered by a commercial auto policy. This coverage protects your business by paying for accidents that happen with your work vehicle and are caused by its driver. When this happens, medical bills may be due as well as costs for vehicle repairs to the other vehicle. These policies must have at least a specific amount of coverage for one person for bodily injury liability. Another amount is required for all of the people who were injured in the accident. In addition, there is a specific minimum amount required for property damage liability. You can always add to the minimums of this coverage so that you have better protection in case of a serious accident. 

If you have a vehicle that is used for business reasons, but the company doesn’t own it, you aren’t required to have a commercial policy. However, your personal auto insurance may not pay for an accident that happens when you’re doing work for your business. It’s generally recommended that you get a type of policy called hired and non-owned. This can keep you protected when you are taking care of business tasks. 

Get Your Commercial Insurance

When you are a business owner, there are many types of optional commercial insurance you can get, including cyber insurance, general liability insurance, etc. If you want to know more about these policies, call us at Presley Insurance Group in Dallas, TX.

Look for these features when selecting your next home insurance policy

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Presley Insurance Group is here to serve the insurance needs of the greater Dallas, TX metropolitan area. Our team understands how important it is to protect family homes, and we are here to help. Give us a call today or stop by to learn more about the available home insurance options!

Important home insurance features

There’s no underestimating the importance of protecting our family homes. In addition to providing shelter, they help us to feel safe and secure. They are also where we spend a lot of quality with our families. If you are unsure that you have adequate protection in place for your home, now is a great time to make sure.

Like so much else in life, our home insurance needs can change throughout the years. This means that it’s important to review your policy on a regular basis. When doing so, be sure to take a careful look at the main features that a home policy will provide: liability coverage, interior and exterior damage protection, and protection from loss.

Other additional features can include personal articles protection, coverage for alternative lodging if your home becomes uninhabitable due to a covered event, and enhanced liability coverage. All of these features will depend on your family’s unique needs. The best way to ensure that your policy provides the protection you need is to meet with a local agent. This will allow you to discuss your main concerns and needs.

Give us a call today

Dallas, TX residents turn to the team at Presley Insurance Group for all of their insurance needs. We have the experience and information necessary to be a resource to our community. Come by our office or give us a call today to find out more!

What does the liability portion of your renters’ insurance cover?

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Your renter’s insurance from Presley Insurance Group covers far more than just your personal property in your Dallas, TX home. Every renter’s insurance policy also includes liability coverage.

You might think that your landlord or apartment building already carries liability insurance, and it probably does, but it doesn’t cover your liability. The two policies work together to fully protect the property.

Your Landlord’s Liability Coverage

Your landlord’s home policy covers liability for the yard or courtyard and everything leading up to the entrance to the building. It also covers other public areas, such as a swimming pool or sauna shared with other tenants. It does not cover what happens inside your apartment or dwelling. If you have a private porch, balcony, or courtyard, it also does not cover what occurs there.

Your Liability Coverage

That’s where your renter’s insurance enters the picture. It contains your liability coverage. Your liability coverage ensures that if an accident occurs inside your apartment or dwelling, the insurance pays for the injured party’s medical costs. It also covers settlement costs up to the amount named in the renters’ policy.

That means if your friend slips in your shower, for example, and breaks their arm, your liability insurance covers the medical treatment cost. If your friend slips on ice coming up the stairs to enter your building though, that gets covered under your landlord’s policy.

Protect Your Financial Security

Contact Presley Insurance Group serving Dallas TX, today for more information on renters insurance. Let us help you protect your financial security. Avoid having to pay for someone’s medical bills or a court settlement by carrying the appropriate insurance.

How does condo insurance differ from other types of home insurance?

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When you visit Presley Insurance Group to insure your Dallas, TX condo, you’ll learn that condo insurance differs from the other seven types of home insurance.

Condo insurance provides what the insurance industry refers to as “walls, in coverage,” which means that it insures the interior walls of your condominium and everything inside of it. Your condo policy covers your TV, computer, kitchen cabinets, toilet, clothes, shoes, etc. The condo policy provides property damage coverage and structural damage coverage.

You also get liability coverage with your condo insurance. Your condo policy covers their medical costs if your friend falls while getting out of your shower and breaks their arm.

So far, this probably sounds just like homeowners’ insurance or perhaps close to renters’ insurance. The latter would not cover physical damage to your domicile, though. It would only pay to replace the contents of your domicile. Homeowners’ insurance would also cover liability damage outside your domicile, and condo insurance does not do that.

If your friend fell by the pool outside your condo but within the confines of the condo complex, your complex’s liability policy would cover their injury. That’s a “walls, out coverage.” Once outside your condo’s front or back door and on another person or organization’s property, their insurance covers the injury.

Your condo policy covers if your buddy’s computer got stolen from inside your condo. If their computer got stolen while the two of you were using the complex’s business center, the condo complex’s insurance policy covers the loss.

While your condo policy does qualify as one of the eight types of home insurance, it does not cover all of the same items that a homeowners’ insurance policy does. Contact Presley Insurance Group serving Dallas, TX to insure your condo, so you can protect your domicile and all that you keep in it, plus the individuals who visit it.

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.