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  • Umbrella Insurance plano tx

Do I need Umbrella Insurance?

March 23, 2021 , 0 0
Liability insurance is critical for every household. In fact, most states require it to drive a car or get a mortgage on your home. However, owning the minimum amount of liability insurance the states require is not the best idea. Liability insurance covers any medical bills or legal fees that result from any injury that you cause. Umbrella coverage policies protect you from liability issues the go beyond the liability limits of standard insurance policies, such as your homeowner’s, car insurance, etc. It is essential to consider who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars. Although these kinds of things may be few and far between, you cannot be too careful.  Who Needs Umbrella Coverage Insurance? In general, we recommend an umbrella policy  to everyone; however, we think there are a few groups we think need umbrella coverage insurance. Wealthy households – Wealth individuals and families are frequently the targets of lawsuits. The extra liability protection that comes with umbrella insurance is critical for wealthy households. Anyone who owns a pool, pond, or trampoline – Pools, ponds, and trampolines all... Read more
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  • boat insurance allen texas insurance plano

Understanding Boat Insurance

June 20, 2020 , 0 0
In North Texas, one of the most relaxing activities in the summer is to spend a day boating on one of our nearby lakes. It’s all about the warm sun, cool breeze, and the peace that comes with taking a break. If you’re a boat owner, you know the feeling of accomplishment that goes along with providing that experience for yourself, your family, and your friends. You cherish your boat, and that’s what makes your investment worth every penny. It’s also what makes it worth insuring. Even in the off-season, when your boat is stored, there’s a lot that could happen to it, and a boat insurance policy is the best way to protect your investment year-round.  What does boat insurance cover? There are a few different types of coverage, and each offers protection in various situations. Medical Payments Coverage This type of coverage helps with medical expenses if you or someone else gets hurt when on the water. If there is an accident, regardless of fault, the last thing you want to worry about is the cost of the needed medical attention. You went out on the boat, expecting to have a great time, but accidents happen, and the... Read more
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  • Homeowners insurance coverage

How Much Coverage Does My Homeowners Insurance Policy Need?

May 17, 2020 , 0 0
For most people in North Texas, their home is their biggest asset. For that reason, selecting a Texas homeowners policy with enough coverage for your home, as well as your belongings, is critical. However, in a survey performed by Wells Fargo, over 40% of homeowners do not know if they have enough homeowners insurance coverage to replace their homes and belongings completely. At Arthur Blake Insurance, we want to make sure every homeowner has the coverage they need to protect their home! What Needs to be Covered? When trying to figure out how much coverage you need, you need to consider two main things: the structure of your home and the value of your belongings. Structure of Your Home When considering how much it will cost to rebuild your home, you need to figure out how much it would cost to rebuild your home at current construction rates. Remember, you will not be using the current market value or original purchase price of your home. Construction rates rise and fall over time, so it is essential to research them every few years. When you calculate your house’s replacement cost, you need to consider all of your home’s features, including flooring,... Read more
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  • difference term and whole

Term vs. Whole Life Insurance

March 17, 2020 , 0 0
When searching for life insurance, there are two major forms to consider: Term and Whole Life. Everyone needs life insurance, but many people have a hard time figuring out how to choose a policy. Both have their own benefits and drawbacks, and it is important to understand those in order to select the type of policy that best fits your family’s needs. At Arthur Blake Insurance, our agents take the time to really understand our clients’ individual situations, needs, and goals, and we custom tailor our life insurance policies specifically to them. If you’re uncertain whether Term Life or Whole Life insurance is the right choice for you and your family, give us a call today. Term Life Insurance In general, term life insurance is rather simple to understand. A term life insurance policy will offer a death benefit to be paid out to a beneficiary if the policyholder dies within a specific amount of time (the term).  Typically, these terms are either 10, 20, or 30 years in length. The major benefit of term insurance is that the premium (cost of the insurance) is relatively low, so it is easier to buy more of it. The premium will also always... Read more
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  • use an insurance broker plano insurance agents

Reasons You Should Use an Insurance Broker

November 18, 2019 , 0 0
The old line about the inevitability of death and taxes is true, but it also leaves out one of the most complicated and necessary factors of everyday American life: insurance. From personal health, home, and auto insurance, to the dozens of types of business insurance, we are all faced with the necessity of making decisions. We have to go through choosing a multitude of insurance plans which keep us covered without blowing our monthly budget. And choosing the right insurance plan matters. Too little coverage can leave you exposed to unexpected and sometimes devastating costs, while too much coverage – yes, there is such a thing – can be a waste of money and can inhibit your ability to grow wealth over time. Knowing whether a plan is too little, too much, or just right isn’t easy, especially for those more focused on building their lives than poring over cost analysis charts.  That’s why more and more Americans are turning to the guidance of professional insurance brokers. Put simply; an insurance broker is an expert whose sole responsibility is to find you the best insurance plan for your needs. They are independent, representing you, not the insurance companies, and they... Read more
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  • Insurance Broker Arthur Blake

What to Look for in an Insurance Broker

September 13, 2019 , 0 0
In this day and age, you can virtually buy insurance from anyone anywhere. If you’re in the business of buying a new policy or finding a new brokerage firm, you must first be fully informed. Finding a reputable and qualified insurance broker will make a tremendous difference in protecting your property and wallet. At Arthur Blake Insurance, we firmly believe in providing full-service, client-focused insurance to individuals, families, and businesses. All while staying with the highest quality of coverage strategies and standards. We invite you to review the following industry standards and guidelines which confirm the value and security of our business and services. Our goal is always to provide the right policy at a fair price, helping you to get ahead. Read testimonials Use social media and online tools to read over reviews, gauging the firm’s level of overall customer satisfaction. Keep in mind that each customer experience will be uniquely different, but normally, these reviews will speak for themselves. Check your state insurance regulator’s website Visit the state insurance department website to check your agent or broker’s license status. If you feel it necessary, inquire about any complaints or disciplinary action, etc. Learn more about their specialized experience... Read more
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  • drone insurance plano tx

Do I Really Need Drone Insurance?

August 7, 2019 , , 0 0
  In the space of just a few years, drones and unmanned aerial vehicles (UAVs) have gone from the playthings of niche hobbyists to seriously big business. Drones are everywhere now, with products ranging widely in price and purpose, from simple home entertainment to being essential tools in an organization’s daily operations. No matter the situation, drones and UAVs can be expensive, and that means they should be protected. If you don’t have drone insurance, you should probably be thinking about it. Do You Need To Insure Your Drone? Generally speaking, insuring a drone will be a higher priority for entities using drones for commercial purposes, rather than for home use. Innovative companies and organizations have found dozens of low-cost, low-risk uses for drones to make their operations more efficient. You could say the sky’s the limit. (Sorry.) These include: Aerial photography and videography Aerial surveying Agricultural treatment / crop spraying Law enforcement / emergency response Traffic patrol Security and surveillance Exploration And many more… As technology has improved, drones and UAVs have become more affordable and reliable, but let’s face it, they’re not perfect, and accidents happen. The loss of a commercial drone can mean costly operational setbacks for... Read more