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Things You Need to Know When Choosing Home Insurance Coverage

Your home is likely your most valuable asset, so it’s important to protect it with the right insurance coverage. Our experienced insurance agents at Amy Tounget Insurance Agency LLC in Midlothian, TX, can help you choose the right home insurance coverage for your needs and budget. But what do you need to know when choosing home insurance coverage?

Here are a few things to keep in mind:

The Value of Your Home

Your home insurance policy should cover the replacement cost of your home minus any depreciation. To determine the replacement cost of your home, an insurance company will consider the size, type, and age of your home and the cost of materials and labor in your area.

The Contents of Your Home

Your home insurance policy will also cover the contents of your home up to a certain limit. This includes furniture, clothing, electronics, and other personal belongings. If you have high-value items such as jewelry or art, you may need additional coverage to insure them for their full value.

Types of Coverage

There are different types of home insurance coverage, and the one you choose will depend on your needs. For example, if you live in an area prone to hurricanes, you may want to purchase windstorm insurance. Or, if you have a home office, you may need to purchase business equipment coverage.

Discounts

Many insurers offer discounts on home insurance premiums, so be sure to ask about them. For example, you may get a discount if you have a security system or your home is newly constructed.

Contact Us Today

If you need help choosing home insurance coverage, our experienced insurance agents at Amy Tounget Insurance Agency LLC in Midlothian, TX, are here to assist you. Call us for help finding the right policy for your needs and budget.

Important Auto Insurance Facts To Consider

Amy Tounget Insurance Agency, LLC serves the Midlothian, TX community. We use our relationships with multiple carriers throughout the state to provide our clients with flexible coverage options. We recognize that each of our clients has a unique situation. We take the time to consult with them and find a solution. We are confident that we can help you obtain coverage to minimize risks.

Important Auto Insurance Facts To Consider

Auto insurance adds a layer of protection as your travel around Midlothian, TX and other parts of the state. An accident can happen at any moment. That’s why it’s important to obtain coverage. Auto insurance covers you if your vehicle suffers damage in a collision with another car or object. You are also covered if you’re held responsible for the collision. Liability coverage protects your assets by covering any property damage and necessary medical treatment. If you are injured in an auto accident, personal injury protection will step in to cover your medical treatment and recovery.

Comprehensive coverage is another option to consider. Comprehensive coverage protects you if your vehicle is stolen or vandalized. You are also covered if your vehicle is damaged due to a collision with an animal. This is something to watch out for if you are driving through rural parts of the state. Texas is also prone to natural disasters. Comprehensive coverage protects your vehicle if it suffers damage due to severe weather.

There are a few factors that may influence your policy. The amount of driving that you do may influence your policy. Driving more frequently increases the chances that you may be involved in a collision. If you have a high-end vehicle, you’ll need to amend your policy in order to fully cover any potential damages.

Get Auto Insurance Today

Amy Tounget Insurance Agency, LLC can get you the right coverage today. Give us a call and get started. 

Choose an Eco-Friendly Burial and Give Back to the Environment

Choosing an eco-friendly burial is a great way to give back to the environment. There are many options available, from traditional cemeteries to natural burial grounds. You can even choose to have your ashes scattered in a particular place. Whatever you decide, ensure you have the right life insurance coverage from Amy Tounget Insurance Agency LLC in Midlothian, TX to help with your final expenses.

The Environmental Benefits of Green Burial

Green burial is when the body is buried in an environmentally friendly way, and it has many benefits.

  • One benefit of green burial is that it does not require the use of harmful chemicals. Traditional burial methods often involve the use of formaldehyde, which is a known carcinogen. Green burial does not use chemicals.
  • Green burial is energy efficient. Cremation requires a lot of energy to heat the body to the high temperatures needed to turn it into ashes. Green burial requires little to no power.
  • Some green burials do not require land use. A body buried in a traditional cemetery takes up a lot of space. This space could be used for other things, such as planting trees or gardens.

How To Arrange For A Green Burial

There are a few things to consider when planning a green burial.

Find a funeral or cemetery certified by the Green Burial Council first. In addition to choosing an eco-friendly casket or shroud, you’ll need to plan for the burial. Many companies make eco-friendly burial products out of sustainable materials such as bamboo, wool, and recycled paper. A special place in nature should be chosen and the burial site should be prepared appropriately.

Of course, the best way to ensure your burial and final services will be paid to invest in a life insurance policy. At Amy Tounget Insurance Agency LLC, we’re here to help our Midlothian, TX neighbors find the policy that fits your individual needs.

Does Your Home Insurance Cover Your Home Gym?

Like many people, you’re considering a home gym to skip the trip to the fitness center. But before you do, it’s essential to consider whether your home insurance will cover it. Most home insurance policies cover exercise equipment, but some limits exist.

Here’s what you need to know about insuring your home gym:

What Are the Limits?

Your home insurance policy likely covers your exercise equipment. However, there may be some limits. For example, if you have an expensive piece of equipment, your policy may have a dollar limit on coverage. Your Amy Tounget Insurance Agency LLC agent can explain any limitations on your policy and help you decide if additional coverage is necessary to protect your belongings in Midlothian, TX.

What Type of Claims Are Covered?

It’s also important to note that home insurance typically only covers damage caused by something unexpected, like a fire or severe weather. So, if you damage your equipment while using it, your home insurance likely won’t cover the repair or replacement costs. But if a windstorm blows a tree through your window and damages your treadmill, your home insurance may cover the cost to repair or replace the equipment.

Does Depreciation Play a Role?

Another thing to remember is that home insurance policies typically reimburse you for the actual value of your damaged property, not the replacement cost. So, if you have an older piece of equipment, your home insurance policy may only cover a fraction of the price you paid initially.

Give Us A Call

Before setting up a home gym, check with Amy Tounget Insurance Agency LLC in Midlothian, TX to see if your home insurance policy will cover it. We’ll be happy to answer any of your questions and help you get the coverage you need.

Required Auto Insurance in Texas

When you own a vehicle in Texas, it’s important to get the auto insurance that is mandated by law. There are different types of coverage that are required to be in your auto insurance, but there are other, non-mandated types of coverage that are also important to have. When you have a vehicle in Texas and need auto insurance, give us a call now at Amy Tounget Insurance Agency LLC in Midlothian, TX.

Your Mandated Insurance

The insurance that is required by the state includes two types of coverage and three total coverage amounts. The first amount is a specific minimum amount of coverage for a single person who becomes injured in an accident that you caused. The second amount is a larger specified minimum amount for all of the people who are injured in the accident. Both of these coverage types pay for a third party’s medical bills and other expenses like lost wages after an accident. The third amount required is a specific minimum for property damage liability. This pays for the damage done to the other person’s property such as a vehicle or building damage. 

Other Auto Coverage Types

It’s also important to get a couple of other coverage types in your policy, even though they are not required by law. Often, a lender will require these coverage types. Collision coverage is protection for your own property damage after you have been in an accident for which you are at fault. Comprehensive coverage also provides protection for your property damage, but it covers the vehicle when it isn’t being driven. Both of these coverage types will protect your vehicle against damage that can be expensive to pay for without this coverage. 

Cover Your Vehicle

When you need auto insurance, call us at Amy Tounget Insurance Agency LLC in Midlothian, TX.

Types of Life Insurance

When you have people who depend on you, it’s important to have life insurance. This can leave a legacy behind for your loved ones after you’re gone. There are two main types of life insurance that are available, and each has its own benefits and drawbacks. The kind you choose should go the best with your budget and preferences. When you want to know more, call us at Amy Tounget Insurance Agency LLC in Midlothian, TX. 

Types of Life Insurance

Term Life Insurance

One popular type of life insurance is term life. It is called this because it runs for a specific term of time. The policy is set for a specific amount of death benefit, and this benefit is good for the number of years of the contract. It’s common for these policies to run for 20 or 25 years. After the term is over, the policy is canceled. To get new insurance, you have to reapply for a new policy. These policies benefit from having a relatively low cost, and that cost stays the same throughout the term. 

Whole Life Insurance

This kind of policy is named whole life because it is good for your entire life. Once you get the policy, it can’t be canceled as long as you continue to pay the premiums. These policies are more expensive than a term-life policy, but many people appreciate that they can’t be canceled and will stay in effect no matter what their age. These policies also build a cash value that policyholders can borrow against if they should ever need to. 

Get Your Life Insurance Policy

No matter which type of life insurance you choose, it’s important to have it in place. When you are interested in getting a life insurance policy, call us at Amy Tounget Insurance Agency LLC in Midlothian, TX.

5 Things You Didn’t Know About Home Insurance

Home insurance is one of those things that most of us have, but few of us really understand. We know we need it to protect our homes, but beyond that, there is a lot about home insurance that remains a mystery. Amy Tounget Insurance Agency LLC in Midlothian, TX provides you with the following guide. 

Here are five things you may not have known about your home insurance policy:

1. It Does Not Cover Flooding 

Despite floods being one of the most common natural disasters in the United States, most home insurance policies do not cover flood damage. But that does not mean you should not be prepared. You can purchase flood coverage as a separate policy or as an endorsement to your existing home insurance policy.

2. It Covers More Than Just the Structure of Your Home

While many people think of home insurance as only covering the physical structure of their home, it actually covers much more. Most policies also cover your personal belongings and any damage that may occur to other structures on your property, such as a shed or fence.

3. You May Need Extra Coverage for Certain Items

While home insurance covers a lot, there are some items that may require additional coverage. For example, if you have valuable jewelry or art, you will likely need to purchase a rider to your policy to have them fully covered.

4. Installing Certain Home Safety Features Can Help

Most insurance companies offer discounts for homes that have certain safety features, such as burglar alarms and fire sprinklers. So, if you are looking to save money on your home insurance premium, installing some extra safety features may be a good idea.

5. It’s Important to Review Your Policy Regularly

Your needs can change over time, and as such, it is important to regularly review your home insurance policy. Ensure that you are still getting the coverage you need and that any additions or changes to your home are reflected in your policy.

If you’re looking for comprehensive home insurance in Midlothian, TX, Amy Tounget Insurance Agency LLC can help. We can work with you to find a policy that meets your needs and gives you the coverage you need. Contact us today to get started.

How much auto insurance are Texas drivers legally required to carry?

Texas drivers who want to legally drive in the state of Texas are required to carry auto insurance that meets the state minimums. Our team at the Amy Tounget Insurance Agency LLC is committed to helping Midlothian, TX residents acquire the insurance they need to drive on Texas roads and freeways. Our team of knowledgeable licensed agents can help guide the process. 

Texas State Minimum Auto Insurance Requirements

Texas drivers are required to carry liability insurance that covers both bodily and property damage insurance. Bodily injury coverage must be carried in the amount of $30K per person and $60K per accident. Texas drivers are also required to carry $25K in property damage coverage. These coverage amounts must be carried at these minimums or greater in order to legally drive in Texas. 

Other Considerations

Texas drivers can also carry uninsured/underinsured motorist coverage as well. However, this coverage is optional and not required. Texas drivers should also note that they may be required to carry more than the state’s minimum coverage if they are leasing or financing a car.

Many lenders require car owners to carry full coverage insurance on a car that hasn’t been completely paid for. This ensures that the lender will be compensated for the loss of the car should something happen to the car before it’s been completely paid for. In situations like this, it’s not the state that will require more insurance, but the finance company or lender. This is how the lender protects their financial investment.

If you have other questions regarding how much insurance Midlothian, TX drivers must carry to legally drive, give us a call. Amy Tounget Insurance Agency LLC agents are standing by. 

 

 

 

 

 

Life insurance FAQs

Life insurance is one of the most essential types of insurance but one that is not particularly well understood. It is always good to have an expert to advise you when it comes to who should have it and how much you need to have. At Amy Tounget Insurance Agency LLC in Midlothian, TX,  we are an independent agency dedicated to providing our customers with the highest level of service. We will provide the customized service that you require. 

If you have questions about life insurance, you are not the only one. Most people don’t know much about life insurance, and before you purchase any, you need some answers. 

When is the best time to buy life insurance?

The obvious answer is before you need it. Life insurance goes up in price the older you get and if you have any health issues. The young and healthy get the best rates. But certainly, when you have dependents who count on you, it is a necessity. 

Is your work provided life insurance enough?

No, it should not be the only coverage you have. You need to have full control of the amount and type of life insurance in your portfolio. What if you change employers or get a serious illness and are no longer able to work? What will happen to your life insurance? You could potentially lose it and be without coverage. 

Can you have anyone you want as a beneficiary?

Yes, the choice of beneficiary is yours to make. Keep in mind that if you choose someone under the age of 18 or 21, depending on the state, they will not be able to collect the death benefit until they reach the age of adulthood. That age is not the same in every state. 

Contact Amy Tounget Insurance Agency LLC in Midlothian, TX when you are in the life insurance market or need your current policies reviewed. 

 

 

Home Insurance Myths That Could Damage Your Policy

Amy Tounget Insurance Agency LLC serves the Midlothian, TX community. We are an independent insurance agency. We work closely with multiple carriers throughout the South. This allows us to offer our clients flexible policies designed to meet their needs in any situation. We promise to serve you with honesty and integrity.

Home Insurance Myths That Could Damage Your Policy

Owning a home is a significant achievement. Your Midlothian, TX property is one of your most prized possessions. Home insurance helps protect your valuable asset. You are covered if the interior or exterior of your home is damaged. Home insurance covers the repairs. The policy also covers all of your personal items inside the home. Liability coverage protects you if a guest comes over and they suffer an accidental injury on your property. As you review your policy, watch out for these common home insurance myths.

Flood Damage Is Covered

As a Texas resident, you are aware that severe weather can move into the area. Severe weather often leaves flooding in the aftermath. Home insurance does not cover any property damage that occurs due to a flood. You will need to add a separate policy.

Termite Damage Is Covered

You have to perform regular maintenance on your home. If your property is damaged by termites or mice, that is a sign that you aren’t taking care of your property. Home insurance won’t cover the damage.

Liability Coverage Protects My Injuries

That is incorrect. Liability coverage protects you if a guest is injured on your property. You are not covered if you are injured at home.

Adding Extra Coverage Isn’t Necessary

It’s a good idea to add extra coverage. You can add alternative living coverage, which covers your housing at another place while your home is repaired.

Amy Tounget Insurance Agency LLC Will Help You Protect Your Assets

Visit our website to learn more information about home insurance.

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Have access to your auto ID cards anytime!

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