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Texas Insurance Blog

What is the advantage of having a health insurance policy?

In the Arlington, TX area, you will have a lot of insurance needs to consider. A type of insurance that all people here need to ensure they have at all times is health insurance. While this can be a complicated type of insurance to choose from, there are a lot of advantages that come with having and maintaining a health insurance policy at all times.

Access to Preventative Care

A reason that you should get a health insurance policy is that you can have access to preventative care at an affordable price. Being able to see a doctor, start prescription medication sooner, receive vaccinations, and start a healthy lifestyle journey is important and can be a great way to prevent more serious health conditions in some situations. If you have health coverage, you will have access to this coverage at a more affordable price. 

Affordable Major Care

There are also situations when you will need a procedure or receive care for a more serious illness. If you do not have a health insurance policy, the cost of this care can be significant. When you choose to get a proper health insurance policy, your out-of-pocket costs will be limited. This can make this care far more affordable. 

Reach Out To Us

If you are in the Arlington, TX area, you do need to carry a health insurance policy at all times. As this can be a challenging and complicated type of insurance to obtain, it would be a good idea to call our professionals at InsPeak. Our professionals at InsPeak know the value of a full health insurance policy, and they can give any support that you need to build a new plan. This will ensure you are able to build a proper policy that will meet your needs. 

Can I Gift Life Insurance to a Family Member?

At InsPeak in Arlington, TX, we help our clients get the coverage they need for all the different seasons of life, including death. While it can be upsetting to ponder how your family might provide for themselves after you pass, it’s crucial that you think about this aspect of planning the future before it happens.

While you can try to get a life insurance policy for yourself to provide for your family, you may have questions about whether you can give a gift to a loved one who keeps on giving by gifting them a life insurance policy. It’s best to research all your options. Even though each life insurance policy has unique terms and limits, we can offer some general insight into how you might be able to answer those questions.

Can you give life insurance as a gift?

Since life insurance can be so useful and provide a level of peace for someone who is worried about their family struggling financially after they leave this world, you might think there’s no better gift in the world than it. Although life insurance can be helpful, it’s not always possible to gift it. If the loved one to whom you want to give the life insurance policy doesn’t know about the life insurance policy or consent to it, you won’t be able to gift it to them.

Before you can give life insurance as a gift, you need to gather some necessary things like proof of insurable interest, a physical exam, consent from the recipient, and other pertinent materials. Someone will also need to be responsible for paying premiums to keep the policy active.

Schedule A Consultation Today!

For more information on our life insurance policies at InsPeak in Arlington, TX, call our office today!

Common Myths about Auto Insurance

Auto insurance is a competitive market, and by shopping around, you’re bound to obtain quality coverage at an affordable cost. To get the best deal, however, you need to know what’s true and what’s not about auto insurance so you don’t make mistakes in the policy you buy. At InsPeak in Arlington, TX, we’ve compiled the following list of auto insurance myths to help you choose wisely.

Here are some common myths you should be leery of when buying auto insurance:

Myth: Certain car colors are more costly to insure than others.

The color of the car has nothing to do with your auto insurance costs. The vehicle make and model may impact the cost of your coverage due to having higher repair costs in the event of an accident.

Myth: Comprehensive insurance protects you from everything.

Comprehensive auto insurance coverage covers damage to your vehicle from non-collision causes, such as falling branches, bad weather, or vandalism. It also protects your car from theft. For other forms of protection, such as collision damage, injuries to you or others, or property damage to others, you’ll need to purchase collision, personal injury protection, or liability coverage.

Myth: Your credit rating has no impact on auto insurance rates.

Many insurers consider your credit score when quoting insurance rates as your credit rating says a lot about how you manage your finances. A good credit rating could reduce the cost of auto coverage.   

Myth: If you allow another person to drive your car, his or her car insurance will cover damages in the event of an accident.

Car insurance follows the vehicle it’s protecting, not the driver. That means your insurer will be responsible for covering accidents caused by guest drivers.

Need Auto Coverage?

To learn more about auto insurance coverage or to purchase an auto policy, contact InsPeak in Arlington, TX.

When will an Arlington business benefit by having commercial insurance?

Being a business owner can be a great idea for many in the Arlington, TX area. When you are trying to grow your company here, you will want to know that you are properly insured. A great way that you can do this is by investing in a new commercial insurance policy. A business in this area can benefit from having this coverage in various ways. 

When Facing a Liability Claim

A situation when an Arlington business will benefit by having a commercial insurance plan will come when they are facing a liability claim. Any business today will take on the risk that they are named liable for an accident. If this does occur, you will want to know that you have the proper insurance in place. With a commercial plan, you will get liability insurance that will provide you with support in these situations. 

When Trying to Cover Assets

It is also a good idea to have a commercial insurance plan when you are trying to cover your assets. There are a lot of assets that a business will own and rely on to operate. If there is a fire, theft, or other situation resulting in a big loss, it could be challenging to replace these items. If you carry an insurance plan, it will give support so you can replace or repair these assets. 

Give Us A Call

As you are looking to get a commercial insurance plan for your Arlington, TX business, you will want to know that you are working with a team that you can trust. Our professionals with InsPeak have continued to help Texas business owners build insurance plans that protect their organizations. If you are looking to build a company, you should call us to discuss your insurance options and needs. 

Common Homeowners Insurance Myths You Need to Be Aware Of

At InsPeak, we are pleased to provide home insurance to individuals in the greater Arlington, TX region. One of the things that we have seen though is that many people make mistakes when purchasing home insurance due to common myths that they may have heard and believe.

Here are a few common homeowners insurance myths you need to be aware of as you go about purchasing home insurance:

Thinking a Home Insurance Policy Covers Everything

One of the biggest misconceptions about homeowners insurance is that it covers every type of damage or loss. In reality, there are many exclusions and limitations within most policies, and it’s important to understand what is and isn’t covered. For example, flood and earthquake damage is typically excluded from standard homeowners insurance policies, and coverage for high-value items like jewelry or artwork may require additional riders or policies.

Incorrectly Believing You Don’t Need Home Insurance If You Don’t Have a Home Loan

Even if you own your home outright, homeowners insurance is still important to protect your investment and belongings. Without insurance, you could be left financially responsible for repairs or replacement costs in the event of damage or loss.

Thinking Home Insurance Covers Your Home Business

While some policies may provide limited coverage for a home-based business, it’s important to understand that most policies have strict limitations and exclusions for business-related losses. If you run a business from your home, it’s important to discuss your insurance needs with a professional and to consider a separate business insurance policy.

Reach Out To Us

If you are looking to purchase homeowners insurance in the greater Arlington, TX region, InsPeak would love to help you. Our team can answer any questions you have or help you find a policy that best meets your needs. Contact us today to start the process. 

When You Need a Recreational Insurance Review

As spring turns to summer in Arlington, TX, InsPeak invites you to stop by for a recreational insurance review. The spring and summer seasons offer the weather most conducive to RVing, so it makes sense to review your RV policy before you hit the road.

Why Conduct a Policy Review?

It’s unlikely that nothing at all changed about your RV since the last time you took it on a trip. Whether you updated the kitchen appliances, added solar panels to the roof, or updated the décor, you made your RV worth more money. That means you need to update the coverage limit amounts on your recreational insurance.

How Recreational Insurance Works

When you purchase your policy, you and InsPeak agree to its value. We write this in the insurance policy as a coverage limit. The recreational insurance policy works as a legal contract. If your RV incurred damage in an accident that you did not cause, the recreational policy would reimburse you for the agreed-upon value, the stated value, or another type of value agreed on when you purchased the policy. If you purchased your RV for $100,000 and insured it for replacement value, if it gets totaled in an accident, you would receive $100,000 to replace it.

Let’s say that you purchased it, then added solar panels and re-did the flooring in the RV. This added $20,000 to the recreational vehicle’s value. Unless you amended your policy to reflect the $20,000 in changes, if it got totaled in an accident, you would only receive the $100,000 stated in the insurance policy.

Contact Us for a Policy Review

Protect yourself fully by undergoing a policy review each year. This keeps you from getting caught off-guard by an accident or named peril damage when you’ve recently made vehicle improvements. Contact InsPeak today for an appointment before you leave Arlington, TX on your next road trip.

Tips for Finding the Right Renters Insurance Policy for You

Renting a house or apartment entails numerous responsibilities. You must not only worry about paying your rent on time, but you must also ensure that your belongings are safe in the event of an accident. This is where renters insurance comes into play.

A good renters insurance policy can protect you financially in the event of a fire, theft, or other unforeseen disasters. But, with so many different policies to choose from, how do you know which one is best for you? InsPeak in Arlington, TX offers the following tips for finding the right renters’ insurance policy for you.

Tips For Renters Insurance

1. Determine What Coverage You Need

The first step in locating the best renters’ insurance policy is determining what coverage you require. Do you require property protection? Or do you simply require liability insurance in the event that someone is injured on your property? Once you’ve determined what kind of coverage you require, you can begin looking for policies that provide it.

2. Compare Policy Options

The next step is to compare policy options once you’ve determined what kind of coverage you require. Not all renters’ insurance policies are the same. Some policies may have higher deductibles than others, or they may exclude certain types of damages. Make sure to read the fine print of any policy you’re thinking about purchasing so you know exactly what you’re getting.

3. Consider Added Coverage

You may want to consider additional coverage in addition to the standard coverage included in most renters’ insurance policies. This could include coverage for high-value items or coverage for flood or earthquake damage.

4. Select a Reliable Insurer

Finally, when it comes time to choose a policy, make sure to go with a reputable and trustworthy insurer. This ensures that you have adequate coverage and that you can file a claim if something goes wrong.

Get Renters Insurance in Arlington, TX

InsPeak can assist you in locating the best renters’ insurance policy for your needs. We will work with you to determine your coverage requirements and compare policy options. To get started, contact us today.

Get Your RV Ready to Hit the Road Again

If you’re an RV owner in Arlington, TX, and you’re ready to hit the road again, there are a few steps you’ll need to take first. From making sure your vehicle is up for the journey to ensuring you have the right RV insurance, there’s plenty of prep work involved with gearing up for your road trip.

Let’s break down what needs to be done so you can get on the road safely and securely:

Check Your RV’s Mechanical Condition 

Before taking your RV out on the road, you must give it a thorough check-up to ensure everything is running as it should be. Inspect all parts of your vehicle, from hoses and brakes to tires and fluids. Make sure necessary repairs are taken care of before you embark on your journey. This will help ensure your trip goes as smoothly as possible without any unexpected mechanical issues. 

Ensure You Have the Right RV Insurance 

Having quality coverage for your vehicle is essential when it comes to owning an RV, especially if you plan on using it regularly or over long distances. Your policy should cover liability and collision damage repair costs, so make sure yours does just that before leaving home. It’s also wise to review your current policy regularly with an insurance specialist at InsPeak, who can guide any changes that may be necessary based on circumstances or location changes related to travel plans. 

We Are Here To Help!

Do you need help with your RV insurance in the Arlington, TX area? Our team at InsPeak can provide you with advice and helpful resources. Contact us today to learn more and get the support you need for your next RV journey.

Things You Should Know About Umbrella Insurance Before Purchasing It

When it comes to giving you peace of mind and additional financial protection, umbrella insurance is what you need. It is a special type of insurance that provides coverage beyond the limits of other policies you have. Umbrella insurance is not mandatory, but it is worth having it. If you are thinking about purchasing this type of insurance, there are certain things you should know. 

What Should You Know About Umbrella Insurance?

Before getting an umbrella insurance policy, you should know the following:

  • Umbrella insurance is affordable. Many people mistakenly believe that umbrella insurance is expensive and therefore do not buy it. However, it is not true, and the average annual cost of this insurance is between $150 and $300. 
  • It broadens your insurance. One of the main benefits of umbrella insurance is that it broadens the coverage you already have. It covers the things that are not included in other liability coverages, such as false arrest, slander, libel, and others. 
  • It fits everyone. Umbrella insurance is not for certain categories of people only. Everyone who earns a livelihood will benefit from this insurance. It is possible to say that having umbrella insurance is one of the best to protect yourself financially. 
  • Umbrella insurance works in any part of the world. Umbrella insurance does not have any geographical limits and can cover you everywhere, Therefore, if you like traveling or need to visit other countries for work, consider getting umbrella insurance. 

InsPeak in Arlington, TX – Contact Us to Get an Insurance Policy You Need

Thinking of getting umbrella insurance, but need help choosing the right policy? InsPeak is a trusted insurance agency serving clients in Arlington, TX and other nearby areas that is ready to assist you. We will be glad to find you the policy that fits your insurance needs and answer all the questions you have. Do you want to know more? Contact us today. 

Health Insurance FAQs

Health insurance is not a one-and-done. Every year you need to make the important decision that will give you your health insurance coverage for the next year. If you make a bad decision, you will be living with it for 12 months. At InsPeak in Arlington, TX, we are independent insurance agents, which means we work for our customers and can provide more choices. 

What is a network?

A network is a group of healthcare providers who have contracted to work for a health insurance carrier to provide services at an agreed-upon cost. It includes doctors, hospitals, and all the other medical professionals you need to see. 

Are my prescriptions on the plan?

If your plan includes prescriptions, you will have access to a formulary. It is a listing of all the drugs that are covered under your plan. It is listed in tiers. Some tiers may have a deductible and copays. This is something important to check if you take medication. The amount you need to pay monthly can affect the overall cost of your health care insurance. 

Is my doctor on the network?

Not every doctor belongs to every network. If you have doctors you don’t want to lose, one of the first things you need to check before picking a health insurance plan is to make sure your doctor takes this plan. 

What is managed care?

Managed care is a type of healthcare that manages your medical care by providing doctors and other healthcare providers within their network who agree to provide services at an agreed-upon price. Depending on the type you have, you may need to have a primary care doctor who manages your individual care. 

Give Us A Call

Contact InsPeak in Arlington, TX to discuss your health insurance needs. We can provide a no-obligation quote. 

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