Tyler TX

What Exceptions Are Not Covered Under Umbrella Insurance?

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If you’ve recently acquired umbrella insurance or are planning to add it to your policy for an extra layer of protection, there are a few things you need to know. While it will cover situations where you are found liable, there are a few exceptions where the policy will be null and void and not be an option for damage coverage.

Personal Property and Medical Expenses

If you cause an accident or event that damages your personal property, umbrella insurance will not cover that cost. This includes any damage done to your home, structures on the property, your car, or any other personal items that belong to you and were damaged by you. The same applies to any medical expenses that arise as a result of your own negligence.

Criminal Activity

Accidents where you cause damage is one thing, but if you deliberately caused damage to someone or their property, and it has been proven, your umbrella insurance policy will not cover your expenses.

Punitive Damages

Suppose you or someone living at your home purposely attacks another person, even with emotional abuse, causing them damage or requiring them to seek medical attention. In that case, your umbrella insurance policy will not cover the costs. These are usually related to cases in civil court, with evidence proving the damage was caused on purpose. This can also include damages related to your tenants if you own rental properties and are behaving maliciously to evict them.

If you have more questions about umbrella insurance or want a personal quote for your home or business, contact our agents at EasTex Insurance. We serve clients in the Tyler, TX area, and surrounding communities.

Everything You Need to Know About Deductibles

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Understanding auto insurance, especially deductibles, can be confusing. To select the best car insurance and ensure you’re covered with a policy you can afford, you’ll need to decide what your deductible should be. To make the best choice, you need to understand what deductibles are, what the average deductible is, and what all this means for someone living in Texas.

What Are Deductibles?

A deductible is the amount you have to pay before your insurance starts paying. It’s an upfront expense you’ll pay whenever you file a claim with your insurance provider. The deductible is agreed upon when you purchase your insurance policy. The average deductible for auto insurance in Texas is $500. You are generally choosing a higher deductible, which results in a lower premium.

How Do Deductibles Work?

If you have a $500 deductible on your insurance policy and get into an accident that requires $1,500 to fix your car, you’ll pay $500 for repairs, leaving $1,000 that your policy would cover. If you have a higher deductible, you might end up paying for all the repairs yourself before insurance coverage begins. Sometimes, you can choose what your deductible will be. Other times, the deductible is based on factors such as your vehicle’s value and driving history.

Why Partner With EasTex Insurance?

At EasTex Insurance in Tyler, TX, we offer a wide range of insurance options. We can help you select the right insurance for your individual needs and guide you through the process of figuring out the best deductible that will suit your budget. Contact an agent serving Tyler, TX, for more information.

How Whole Life Insurance Works

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Understanding Whole Life Insurance

Most people need to leave something behind once they’re gone to beneficiaries to make life easier for them. It’s important to have life insurance to take care of this need. There are two main ways that you can be covered – with a term life insurance policy or a whole life policy. There are major differences between these two types of policies. Many people choose whole life policies because they offer some benefits that term policies don’t. When you’re interested in getting life insurance, you can turn to us. Just contact us at EasTex Insurance in Tyler, TX.

Whole Life Lasts Your Whole Life

The name whole life comes from the fact that these policies last for your whole life. While term life insurance policies expire after a certain number of years, a whole life policy never expires, no matter what age you reach. Many policyholders get these policies for this very reason. Instead of getting another policy someday, you can get this one and keep it to the end of your life.

Cash Value

Another advantage of a whole life policy is that it will slowly build up an amount known as its cash value. This amount takes a few years to start accumulating, but it keeps growing over time. With this amount in place, you can borrow it if you ever find that you need to. This can be a good source of peace of mind as policyholders know they will have access to cash in a financial emergency. This could be an important source of funds when it’s most needed.

Get Whole Life Insurance in Tyler, TX

If you’re interested in whole life insurance, we can help you get started. Call EasTex Insurance in Tyler, TX, to learn more.

Making your home a safer place to live

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Your home serves as a sanctuary, a place where you and your family gather and feel safe. Ensuring its safety is essential for your well-being. Numerous factors contribute to the security of your home’s interior and exterior portions. At EasTex Insurance in Tyler, TX, our function as independent insurance agents enables us to prioritize the needs of our customers. We offer multiple choices to help you land the most suitable policy for your requirements.

Considerations for Outdoor Safety

Creating a safer exterior around your home can involve the installation of an alarm system that alerts you to potential intruders. Motion-detecting lighting can further augment your security by illuminating any moving object within its range. Proper fencing is integral for children’s safety if you have a swimming pool. Pruning shrubs near your house to a lower height and regularly trimming tree branches can help avoid injuries or damage.

Enhancing Safety Inside Your Home

Inside your home, the threat of a fire necessitates smoke detectors and fire extinguishers on every floor. Promote child safety by ensuring poisonous chemicals and medications are stored out of their reach or securely locked away. Regularly check and ensure that doors and windows are all locked.

Trips and falls constitute some of the most significant potential threats inside a home. Keep hallways and stairs free of clutter, ensure there’s ample lighting, and avoid throw rugs or extension cords that could lead to a tumble. Conducting a safety assessment of your home’s interior can further enhance its safety.

Our dedicated team at EasTex Insurance in Tyler, TX, is readily available to discuss your home insurance needs. Contact us today.

Filing a Claim for Vandalism in Classic Car Insurance

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Vandalism directed at a classic car can cause emotional distress and financial hardship. Whether the damage is minor or extensive, classic car insurance in Tyler, TX, can help rehabilitate and restore your cherished vehicle.

Assessing the Vandalism

If you discover vandalism to your classic car, the initial step is to assess and record the damage. Take clear photographs capturing the extent of the vandalism. Note the incident’s date, time, and location and gather any available information from witnesses or security cameras.

Reporting the Incident

Report the vandalism to local law enforcement promptly and file a police report. Provide the authorities with an exhaustive account of the damage and other pertinent details. Maintain a copy of the police report, as this will be crucial for your insurance claim.

Contacting Your Insurer

Notify your classic car insurance provider as soon as feasibly possible. Provide them with all necessary documents, including photos, videos, and the police report. Describe the scope and nature of the damage in detail. Prompt reporting is essential as most policies have set deadlines for claim filing.

Working with the Insurance Adjuster

The appointed adjuster may conduct a personal inspection or request additional information related to the vandalism. Cooperating fully will ensure a thorough and accurate evaluation, which will determine the compensation you receive.

Settling the Claim

Once the adjuster’s assessment is complete, your insurer will process your claim and propose a settlement. Carefully review each part of the offer before accepting. If you concur with the offer, the insurer will issue your payment, enabling you to restore your classic car to its original state.

EasTex Insurance: Your Go-To Insurance Company

At EasTex Insurance, we offer our expertise to satisfy your insurance requirements. We cater to residents in and around Tyler, TX. Call us today.

Why So Many People Are Getting Umbrella Insurance

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Umbrella insurance is a specialized type of insurance that grants extended coverage on top of other existing policies. This is an excellent option for individuals with home and auto insurance policies, offering them an extra layer of protection. Their popularity increases as individuals discover how much additional coverage they can acquire without incurring extreme costs. Umbrella insurance is budget-friendly while providing a high level of fortification against unforeseen accidents and the exorbitant costs associated with them. To guarantee you’re protected, reach out to us at EasTex Insurance in Tyler, TX.

Increased Liability Coverage

Securing an umbrella insurance policy delivers increased liability coverage to your auto and home policies. This addition comes at a lower price compared to directly augmenting your liability coverage through your standalone policies. Umbrella insurance offers a substantial amount, covering even severe accidents. Should an accident occur in your vehicle or home, you’d require this coverage to settle medical costs and other related bills.

Enhance Your Security With Umbrella Insurance

Having additional coverage through an umbrella insurance policy ensures you’re well-protected in a serious accident. The liability coverage provided by home and auto policies usually falls short, leading to potential financial risks if adequate additions are not made. It’s crucial to feel secure knowing you’re adequately protected and that a severe accident won’t lead to financial ruin.

Secure Umbrella Insurance

To learn more about this increasingly popular coverage type, contact us at EasTex Insurance in Tyler, TX. We can assist you in kick-starting a policy that provides an extra layer of protection over your existing policies.

Comprehensive Auto Insurance: Big Coverage for Big Cars in Tyler, TX

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Navigating the urban streets and mazes in Tyler, TX, can be daunting for motorists driving oversized trucks, pickups, and SUVs. Ensuring your vehicle with the best auto insurance available can provide maximum protection for Lone Star State motorists.

Learn more about the benefits of comprehensive auto insurance coverage in Tyler, TX, from the insurance professionals at EasTex Insurance.

Liability Insurance Offers Basic Protection

Texas motorists who opt for state minimum liability insurance meet the basic requirements for legally operating a vehicle on public roads within the state of Texas. However, the downside of liability-only insurance policies is that they provide limited coverage for drivers and vehicles.

Liability insurance policies shield drivers from outrageous out-of-pocket expenses that can occur in an at-fault car accident. While basic insurance policies help drivers save on the high costs of legal liability claims, property damage claims, and claims for medical expenses, they do not cover the costs for repair or replacement of your vehicle when it has been in an accident.

Comprehensive Auto Insurance Equals Big Coverage

Truck and SUV drivers who want to ensure total protection of their vehicles opt for insurance policies with comprehensive and collision coverage. This heightened level of coverage offers protection for auto collisions, vandalism, theft, damages from natural disasters, and animal collisions. Comprehensive coverage adds another layer of protection, encompassing non-collision-related incidents that normally result in high repair or replacement costs for local drivers.

A licensed and knowledgeable insurance agent at EasTex Insurance can assist local drivers in choosing the most suitable comprehensive insurance coverage for their needs.

Starting a comprehensive auto policy is as simple as reaching out to your trusted local insurance agent, sharing details about your driving history and budget, and receiving a quote today!

What to Know About Burial Life Insurance

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Burial life insurance doesn’t offer the same benefits as a regular life insurance policy. However, if you are getting on in years and have a limited income, this form of insurance may be just what you need. 

What’s Covered by Burial Life Insurance?

As the name implies, the main purpose of a burial insurance policy is to cover funeral costs. This form of insurance can compensate your beneficiaries for expenses such as a burial plot, headstone, body transportation to and from a burial plot, flowers, cremation, and urn services. Furthermore, burial life insurance can cover debts you left after your passing. These include credit card bills, legal service bills, medical bills, and outstanding debts such as a car or mortgage payments. 

If you die within two or three years of buying the policy, your beneficiaries will only get a refund for your paid premiums, plus a bit extra. However, if you die once the policy comes into effect or are killed in an accident, your loved ones will get full benefits. Residents of Tyler, TX should read a policy carefully to know what’s covered and when coverage starts. 

Get Expert Insurance Advice from EasTex Insurance

EasTex Insurance has served Tyler, TX, residents for over forty years. We can help you explore your policy options, understand the pros and cons of each one, and pick the forms of coverage that will best meet your and your family’s needs. Get in touch with us today to start the process of selecting an insurance policy that will provide your loved ones with the financial help they need and deserve when you pass on from this life.

What Are Five Popular Add Ons for Home Insurance?

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Also called riders or add-ons, home insurance endorsements are additions to standard home insurance policies. They provide extra protection for certain items or risks. Common endorsements to consider adding to your policy through EasTex Insurance in Tyler, TX, include the following.

  • Scheduled Personal Property: This endorsement provides coverage for specific high-dollar items such as jewelry, art, or antiques. These items typically have limits under a standard home insurance policy, so scheduling them separately ensures that they are fully covered in case of damage.
  • Flood: Generally not covered under routine policies, some states in storm damage-prone areas require a special policy. Protect property with flood insurance regardless of the area.
  • Water Backup Coverage: This endorsement may cover damage caused to personal property, such as electronics and furniture, due to water backing up; water backup coverage can also cover certain structural damage like walls and floors, but a deductible must be covered first.
  • Earthquakes: This endorsement covers homes if the earth shakes and damages the home or its contents. Those in areas where earthquakes occur occasionally or more frequently, such as California, should consider adding this coverage to their standard insurance policy.
  • Identity Theft: While becoming increasingly popular, identity theft can be costly and time-consuming to correct. This rider covers theft-related fees for goods and legal fees. Eliminate these concerns with ID theft protection from your insurance provider or an outside source.

Looking For Insurance For Your Home?

If so, contact the experts at EasTex Insurance in Tyler, TX, to learn more about coverage options and endorsements. We will help you determine the right policy and add-ons for your home and keep you apprised when it’s time to update or review your policy for optimal protection.

What Should You Look For In Classic Car Insurance

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If you are a lucky classic car owner, you should understand how to treat your precious vehicle the right way. For example, you should ensure the right coverage to protect it. Classic car insurance is the specific type of insurance designed for classic cars. Here is what you should look for in this type of insurance:

  • What is covered by classic car insurance? A standard classic car insurance policy usually provides bodily injury liability coverage, property damage liability coverage, uninsured/underinsured motorist coverage, collision coverage, and comprehensive coverage. Do you need extra protection to be super safe while driving your precious car? Get one of the optional coverages that can be added to your standard insurance. 
  • What is excluded from the policy? Your car insurance probably has certain limitations, which you should know. For instance, it probably does not cover your classic car if you use it for everyday commutes and regular errands. In addition, most classic car insurance policies have mileage limitations. 
  • The type of car you have. Keep in mind that not every car is considered classic. A classic vehicle is usually unique or rare and of special historical interest. It is also different from an antique car, which is defined as a vehicle that is at least 25 years old. 

If you are a classic car owner living in Tyler, TX, or any other nearby town in Texas and looking for classic car insurance, EasTex Insurance is here to help. We specialize in different types of insurance, including classic car insurance. Feel free to reach out to EasTex Insurance, and we will be glad to answer all of your questions and provide the information you need.