Condo insurance is a common policy type that helps to protect you from various types of natural disasters and building problems. But is this type of policy truly necessary if the condo has owner’s insurance? Yes. Let us at Planners Insurance Group explain why your Fort Worth, TX area condo needs coverage.
Why You Need Condo Insurance
Your condo owner’s association probably has a policy to protect their investment. This type of protection is designed to protect the structure of the building, primarily the outside. It also protects lawn, landscape, and common areas in a facility. Do you know what it doesn’t cover? Anything in your home.
Why is that the case? Condo owner’s insurance is not set up to protect the goods of the people who own a timeshare. Think of it as if you were renting the condo. Simply put, the facility owners do not have any interest in your goods and have no liability to protect your items for you.
That’s why condo insurance is necessary. It protects you when the condo’s owner’s insurance does not. It will pay for any loss you experience, such as damage during a flood, various types of property loss, and other problems that may occur due to a fire or natural disaster situation.
Like with other types of insurances, you can’t get coverage for things you’ve caused or natural wear and tear. For example, if your floorboards break because you did not fix a minor problem, your condo insurance will not pay because you are at fault in this situation.
Find a Great Policy
Do you need a condo insurance policy that will protect your needs? Then, it might be time to call us at Planners Insurance Group right away to learn more. Our team of professionals will sit down with you and create a policy for your Fort Worth, TX, area condo that makes sense for your protection.
Life insurance is an investment, but the needs of the individual will vary from person to person. That is why it is a good idea to speak to Planners Insurance Group serving the city of Fort Worth, TX about the different categories of life insurance available. There are two main types of life insurance divided into three categories. These are:
Term Life Insurance
Term life insurance is insurance for a certain amount of time in your life. It is usually specified in years. If you die during the term of the policy, then the death benefit is paid to your beneficiaries. If you do not die before the expiry of the policy, then you have the option to renew or let it lapse. The premium is determined by your age.
Permanent Life Insurance
In Texas, permanent life insurance has two subcategories. These are:
Whole Life Insurance
Whole life insurance is for your whole life until your death unless you stop paying the premium or decide to cash in the policy.
Universal Life Insurance
Universal life insurance is capped at a particular age, usually 95 or 100 years. When the policy matures, you are eligible to receive the cash value of the policy.
Other Categories of Life Insurance
Sometimes, more particular life insurance would be a better fit for your needs. There are two further options available.
Credit Life Insurance
This category of insurance is used to pay off an unfinished debt in the event of your death.
Prepaid Funeral Insurance
This category of insurance pays for your funeral if you should die.
Speak to the friendly folks at Planners Insurance Group serving the city of Fort Worth, TX today, and make sure you have the right life insurance for you and your beneficiaries.
At Planners Insurance Group serving Fort Worth, TX, we have many customers who come to us with a blown tire and want help. This situation can be frustrating for all parties and requires a careful understanding of your policy limitations and what they mean for your repairs. In this way, you can prepare for the worst if it ends up happening.
Will Your Policy Cover Blown Tires?
Let’s get the bad news out of the way first: there are very few situations in which your insurance will cover a blown tire. That’s because this problem is almost always caused by poor tire maintenance and neglect – an issue that insurance expressly does not cover.
The same is true if you run over a sharp object on the road or in your driveway. This act may be a complete accident but is still considered a type of negligence. The argument goes that you were not careful enough to avoid these items, hence your flat tire.
That said, auto insurance may help with things like roadside assistance in some cases. They may also help repair a blown tire due to manufacturing defects or failures. Talk to your insurance provider about this situation to learn more about your rights and what you can expect from them in this scenario.
Let Us Help You
If you are worried about flat tires and want to make sure that your vehicle is protected, don’t hesitate to contact us at Planners Insurance Group right away to learn more. We help Fort Worth, TX, residents get the auto insurance coverage that they need. And even if your policy doesn’t cover a blown tire, it may cover things like roadside assistance to some degree. So work with your agent to learn more.
In order to register a classic car in Texas, you must first do a few other steps before you go to the registration office. Planners Insurance Group in Fort Worth, TX can help walk you through the steps in the correct order to save your valuable time.
How Much Car Insurance Do I Need?
The minimum liability for auto insurance in the state is expressed as 30/60/25 or $30,000 in bodily injury per accident for one person, $60,000 for bodily injury for more than one person per accident, and $25,000 for property damage for an accident you cause. This liability only insurance only covers the other driver in the case of an accident. Classic car insurance policies usually also have comprehensive coverage to cover damage to your car from anything other than a collision. Collision coverage to repair or replace your car if you are at fault and medical payments to cover your injuries from an accident. Make certain you get enough insurance to cover your classic car because it can cost many times over the price of a new car in the same model.
Steps To Registration
You will need to have your classic car inspected at a state inspection station and get proof that it passed the tests. Then you visit your local Texas tax office and get your valid ID, car insurance paperwork, vehicle inspection report, and the title to the car. All of these items are needed in advance of annually registering your car in Texas.
If you are registering your classic car from another state, you will follow the same steps but will need to complete an Application for a Texas Certificate of Title.
Trust The Classic Car Insurance Specialists
At Planners Insurance Group, we can help you to get enough insurance to cover your precious classic car so you are fully covered in the event of an accident. Whether you bought it restored or restored it yourself, a classic car is a priceless gem and we understand this fully. You can use our online tool to get started or come by our office in Fort Worth, TX, so we can help you out.
The Fort Worth, TX area can be a great place to live as it offers a strong mix of professional opportunities and recreational amenities. Those that are in this area and want to enjoy all that this area of Texas has to offer should consider getting a recreational vehicle or toy. Along with this purchase, you should also get a full recreational insurance plan. You should get this coverage for a few different reasons.
Coverage for Your Asset
A reason people in this area of Texas should get a recreational insurance plan is so they can protect their assets. If you are going to purchase a recreational toy or vehicle, it will be something that you will want to enjoy for a long time. If you have a recreational insurance plan, it will give coverage so you can repair or replace it if the recreational asset is stolen or involved in an accident.
You should also get a recreational insurance plan to receive liability protection. Those that are going to operate a recreational toy will always run the risk that they could cause an accident that will result in damages. If this happens, you will need to pay restitution to cover the damages. Fortunately, you can offset this risk by getting liability insurance as part of your recreational policy.
Having a proper recreational insurance plan in the Fort Worth, TX area is very important. If you are looking for a new plan when you are here, calling the Planners Insurance Group is a great first step. Those that own a recreational vehicle will take on some different risks and Planners Insurance Group can help you build a plan that will mitigate them as well as possible. This can ensure you remain properly covered at all times.
Owning a motorcycle comes with many benefits, including cheap gas and the adrenaline rush of cruising on a bike. Unfortunately, research shows that motorcyclists and their passengers are at more risk of an accident than those in a closed car. That’s why motorcycle insurance is critical. At Planners Insurance Group Insurance, we will get you a proper motorcycle insurance policy to cover you in case of an unfortunate event. Other benefits you get when you buy motorcycle insurance from us include:
Compliance with law
Texas, like most states, requires you to carry motorcycle insurance before you hit the road. Failure to carry motorcycle insurance will not only land you on the wrong side of the law but you will also be expected to cover medical costs and property damages when involved in an accident.
When other people get injured in an accident, you are at fault; you are expected to cover property damage and medical costs. Usually, you may have to pay this from your pocket if you don’t have motorcycle insurance. However, when you have secured motorcycle insurance, it covers liability-related costs, saving your finances.
Collision and comprehensive coverages should always be part of your policy. These coverages cover damage or loss to your bike resulting from accidents and other non-collision perils like theft, vandalism, falling objects, hail, hurricanes, and many more.
Covers medical bills
If your motorcycle has a collision, the medical payment coverage pays for the medical costs for you and your passengers.
Motorcycle insurance in Fort Worth, TX
Purchasing motorcycle insurance can be intimidating, especially for new riders. However, with the right insurance agent, shopping for coverage becomes easy. Ready to buy motorcycle insurance? Call or visit us at Planners Insurance Group. We will get you covered.
Umbrella insurance offers people a way to get more liability coverage where they most need it. It adds to the liability coverage of other policy types. If you are interested in an umbrella policy, call us at Planners Insurance Group in Fort Worth, TX. It can help you financially to have more coverage for your liability.
Your Home Insurance Policy
Your home insurance policy encompasses several different types of coverage, and liability is one of those. The liability component of home insurance covers the homeowner against accidents or illnesses on their property. This type of coverage is generally very low on home insurance policies, so many homeowners want more of this coverage. Adding an umbrella insurance policy to the home coverage you already have will raise that liability coverage to a much higher amount.
Your Auto Insurance Policy
Like your home insurance policy, your auto insurance policy has a small amount required for liability coverage. But as with home insurance policies, this is rarely enough coverage. With hospital bills being as high as they are, it’s always a good idea to have plenty of liability insurance in case of accidents. With an umbrella insurance policy, more liability insurance is added to what you already have with your auto insurance policy. After an accident, the auto insurance policy will first payout up to its policy limit. After that, the umbrella policy comes in and pays the rest of the bills up to its own policy limit.
With medical bills constantly rising, it’s always best to have plenty of liability insurance. To learn more about umbrella policies, call us at Planners Insurance Group in Fort Worth, TX.
The Fort Worth, TX area continues to be well known for being quite warm for long parts of the year. Those that would like to enjoy this area of the state to the fullest should consider getting their own boat as it will give you a chance to enjoy all the local waterways. Anyone that would like to get a boat here also needs to have the right insurance. There are many cases when having a boat insurance plan will be needed.
When Using in Local Areas
A situation when you may need to have a boat insurance plan is if you want to use your boat in certain areas. There are some marinas and other water access points in this area of Texas that will require all boat owners to have insurance. This is often required as it ensures that someone will cover any damages that they may cause in an accident.
When Looking to Protect Boat
You will also need to have a boat insurance plan when you want to protect your boat. Getting a boat is an exciting experience, but it is also an asset that you need to cover and protect as well as you can. Those who get boat insurance will know that they have the protection available if their boat is involved in an accident or stolen.
People that would like to get a boat insurance plan in the Fort Worth, TX area should call the Planners Insurance Group. There are a lot of ways that the Planners Insurance Group can help you when looking for coverage. We can help by answering all of your questions and providing the guidance needed to choose a new plan that will properly protect you and your boat. Contact our office to learn more and get a quote,
A flood is an unpredictable and catastrophic event that can totally destroy your property. With flood insurance from Planners Insurance Group, you can obtain protection against this type of disaster. When deciding how much flood coverage to obtain for your Fort Worth, TX home, consider the value of your home and personal belongings. Here are a few tips on selecting flood insurance coverage.
Protection for Your Home
Flood insurance offers protection for your dwelling and personal belongings against the risk of flood disasters.
Dwelling protection should be enough to replace your home in case it is totally destroyed by floodwaters. Before choosing coverage, take time to assess the value of your home and what it would cost to rebuild, taking into account the cost of materials and labor in your particular area. This will give you a better idea of how much coverage you’ll need to rebuild your Fort Worth home in the event of a total loss.
Protection for Your Belongings
To determine coverage for your personal property, assess the value of your belongings. This is essentially the contents of your home to include furniture, clothes, electronics, appliances, artwork, sports gear, and other items. As some policies have limits on goods within certain categories, you’ll need to break down your belongings into categories to ensure you’re getting accurate coverage for your most valuable items.
You would do well to create a home inventory of your goods and document their value. This makes it easier to keep track of what you own. It can also help in determining how much flood protection to get for your personal belongings.
For more information about flood insurance or to purchase flood coverage, contact your insurance specialists at Planners Insurance Group. For your convenience, we serve homeowners in Fort Worth, TX, and surrounding communities.
People who choose to purchase a home in the Fort Worth, TX area will benefit in many different ways. As you are looking to own a home here, there are a few different housing choices to pick from, including getting a condo. When you buy a condo, you will enjoy the onsite amenities and other benefits but need to get proper insurance. This type of insurance offers several forms of coverage.
Coverage for Assets
One type of protection that you will receive with your condo insurance policy is coverage for your assets. If you buy a condo, you will be making a big purchase while acquiring a valuable asset. Further, you likely will have many personal assets that you store within your condo. When you get a full condo insurance policy, it will include coverage to ensure you can repair or replace the condo and your personal belongings.
A full condo insurance policy is also going to provide coverage to mitigate liability risk. Anyone who purchases a condo in this area should recognize that they will be taking on some personal liability risk. This can include if a guest is over and gets hurt or if your condo causes damage to another unit, which could occur due to a leak or fire. With insurance, you can get coverage to mitigate and offset these risks.
When you look for condo insurance coverage in the Fort Worth, TX area, you should call the team with the Planners Insurance Group. Anyone who speaks with the Planners Insurance Group’s team will receive great service. We can ensure you understand your options and can pick the right policy for your situation.