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Midlothian, TX 76065

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Amy Tounget Insurance Agency, LLC Blog

How Whole Life Insurance Policies Work

When you’re a person that others depend on, possessing a life insurance policy is paramount to aid them when you are no longer around. Always maintaining a life insurance policy is essential to avoid leaving anyone in financial distress after your departure. Two primary forms of these policies are whole life and term life policies. A term life policy is a budget-friendly policy with an expiration date, after which it is no longer valid. On the other hand, a whole life policy functions differently. Contact us at Amy Tounget Insurance Agency LLC in Midlothian, TX to learn more about life insurance options.

No Expiration

One of the benefits of selecting a whole life policy is its non-expiring feature. This policy will remain valid regardless of your age as long as you elect to keep the policy. The policy cannot be nullified if you continue to pay the premiums. Although the premiums are costlier than a term life policy, many consider this policy type worthwhile because there’s no need to purchase another life insurance policy. One policy lasts for life.

Cash Value

Another asset of a whole life policy is that these policies accumulate a cash value over time. This cash value can be borrowed during financial emergencies or other monetary needs. Just like any other loan, you can repay the borrowed amount back. The due amount gets deducted from the death benefit until the loan is fully repaid.

Get Whole Life Insurance

If you’re interested in obtaining a life insurance policy, we can help. Contact us at Amy Tounget Insurance Agency LLC in Midlothian, TX.

How to Go About Getting Home Insurance When Purchasing a House

Purchasing a new house in Midlothian, TX is a multi-step process. Although it might not be the most exciting step, getting the right home insurance is an essential part of the process. This will likely be your most valuable asset; ensure it’s protected from day one. 

Start Early

Begin the process of securing home insurance well before closing. You don’t necessarily need to immediately after having an offer accepted, but you ought to talk with an insurance agent reasonably early on in the home-buying process. You might contact us at Amy Tounget Insurance Agency LLC  after going through the inspection or while waiting for the appraisal.

Taking care of insurance earlier on in the process can make things easier during the days right before closing. If there’s a hiccup that you need to deal with, finding a home insurance policy is at least one thing that you won’t have to deal with at this time.

When you contact us, we can set up a home insurance policy that begins on the closing day. You needn’t pay premiums before closing, even if you set up a policy weeks ahead of time.

Compare Policy Options

When you shop for home insurance, make sure to compare multiple policies. Depending on your house, you’ll want to look at coverages, premiums, and any other relevant details. Our knowledgeable insurance agents at Amy Tounget Insurance Agency LLC can assist with this process, ensuring you find a policy that’ll protect your house (and you) well.

If you’re in the process of purchasing a house in Midlothian, TX, contact us today to find home insurance.

Your Roadmap to Auto Insurance in Midlothian, TX: Stay Protected

Finding auto insurance in Midlothian, TX doesn’t have to be a complicated task. However, it’s vital that you stay protected at all times. As such, you should know that more coverage is available than simply what the state requires.

Learn about all of the options with the help of our agents at Amy Tounget Insurance Agency LLC.

The Auto Insurance Requirements

In the state of Texas, there are a few requirements. Everyone with a vehicle must provide proof of insurance and have liability coverage.

The liability coverage provides property damage and injury coverage (per passenger and per accident).

Once you meet the bare minimum that the state requires, you can choose to add on for more liability protection. This way, if there is a major accident with significant property damage or massive injuries, you reduce the possibility of paying out of pocket.

Adding onto Your Policy

Beyond liability insurance, you can explore other forms of coverage.

This includes:

  • Collision
  • Comprehensive
  • Rental car coverage
  • Uninsured/underinsured coverage
  • Towing and labor coverage

You can pick and choose what you want to have on your policy. The more coverage you have, the more scenarios you’re covered for.

Get the Help When & Where You Need It

There’s no need to become overwhelmed as you shop for auto insurance in Midlothian, TX. Browsing coverage online can be difficult because you may have questions about what you need versus what it’s going to cost.

At Amy Tounget Insurance Agency LLC, we have knowledgeable and friendly agents who can provide you with a comprehensive roadmap to getting the coverage you need. We’ll answer your questions, get quotes from top insurance companies, and ensure you have the protection you can depend on.

Get your quote started by contacting us today.

I recently retired and never invested in life insurance. Is it too late?

Securing Peace of Mind with Life Insurance

Life insurance offers tranquility for both you and your family. With a variety of options ranging from term life to whole life, you have the flexibility to select the coverage that aligns best with your lifestyle and preferences. Regardless of age, life insurance presents benefits to anyone preparing for their future and their family’s well-being. Our team at Amy Tounget Insurance Agency LLC is committed to helping Midlothian, TX residents understand the advantages of life insurance and secure the coverage they need.

What is life insurance?

Upon investing in life insurance, you pay a monthly premium to the insurance company to guarantee a predetermined sum payout to selected beneficiaries upon your demise. However, life insurance is versatile and can also cover situations including terminal illness. It could also be used to cover final expenses and various unforeseen instances. Beneficiaries are free to use the payout as they deem fit. Investment options range from whole life insurance, which provides lifelong coverage, to term life insurance, which is designed to cover a preset period.

Is it too late to invest in life insurance after retirement?

Typically, you can invest in life insurance until the age of eighty-five. However, premiums are higher, and there may be other requisite measures. Some insurance companies may even provide coverage for individuals over eighty-five, albeit with higher premiums and final expense coverage. Thus, obtaining life insurance coverage at an advanced age is still probable, although it often demands a higher financial investment. If you need clarification or have questions about life insurance, contact us. We’re always eager to discuss your potential options.

Unveiling the Top Myths and Misconceptions About Home Insurance

At Amy Tounget Insurance Agency LLC, we strive to provide our clients with the right home insurance policy for their needs. With that being said, it’s common for there to be several myths and misconceptions regarding homeowner’s insurance. Whether you’re a first-time owner or you’ve been buying and selling properties for years, it’s imperative to have the right information. Here are some common myths debunked.

Homeowner’s Insurance Isn’t Necessary

You aren’t required to have home insurance unless you have a mortgage with a lender. However, if you forgo home insurance, it could end up being a mistake. For example, if your home is damaged or destroyed by a fire, natural disaster, or other unexpected event, you would be left to bear the full financial burden of repairing or rebuilding your property. 

Flood Insurance Is Part Of A Home Insurance Policy

It’s common to think flooding is part of your home insurance policy. However, that isn’t the case. It is a separate type of coverage that needs to be purchased separately. Floods are not typically covered under standard homeowner’s insurance policies. Flood insurance can help protect your home and belongings in the event of a flood, which can cause extensive damage.

The Same Policy Works For Everyone

Every home has several factors that affect how your policy should be designed. These include the condition, age, location of your home, and the value of your belongings. Therefore, there is no one-size-fits-all policy that works for everyone.

Learn More About Home Insurance in Midlothian, TX

Ready to get started with a home insurance policy? You can call Amy Tounget Insurance Agency LLC to talk to one of our experts in Midlothian, TX.


Low-Mileage Driver? What About an EV?

At Amy Tounget Insurance Agency LLC, many of our insured drivers are driving or thinking about driving electric vehicles, or EVs. Midlothian, TX is a great area for these convenient, high-technology vehicles, where drivers can run errands, commute, and keep social appointments within the range of a single battery charge. After retirement, without the commute, many drivers really don’t need to go far, and some choose to give up their vehicles due to the cost of operation.

An EV, which needs minimal maintenance and simple electric charging, can be a perfect substitute. Since many of these low-mileage drivers have insurance policies designed for minimal vehicle use, it’s a great match. In fact, as more commuters work from home, an increasing number of drivers who might otherwise be limited by the battery range of their EVs are now realizing that they don’t typically drive that far around town.

Limited-Range EV Use, with a Twist

What if you choose an EV as the low mileage driver that you are these days and want to take an occasional long trip? For many drivers, the solution auto clubs have recommended makes perfect sense here. Renting a vehicle for trips allows you to pick the type of vehicle you want to drive, such as an SUV, and have a rental company ready to take care of you if problems arise on the road.

You can even choose a gas-powered model for long trips where charging stations may not yet be available. At Amy Tounget Insurance Agency LLC, we’ll be glad to help you with low-mileage auto insurance and more. Whether you’re active around town or just need your vehicle for Sunday drives and visiting, your lifestyle and one of today’s amazing EVs can be a great match in Midlothian, TX!

What Motorcycle Riders Should Know About Life Insurance

Motorcycle riding can be thrilling, but it can be risky. Safety statistics indicate that motorcyclists are almost 30 times more likely to die in an accident on two wheels, which makes having life insurance coverage essential for road warriors and casual enthusiasts alike. Here’s how Amy Tounget Insurance Agency LLC in Midlothian, TX can help provide financial protection for your survivors should the worst-case scenario become reality.

The Importance of Life Insurance for Motorcyclists

Having life insurance is a good idea for everyone, but motorcyclists are at a higher risk of death than many, especially on the road. Life insurance policies are designed to pay out financial compensation to beneficiaries should the policyholder pass away. Most agents recommend having 5 to 10 times your annual income in coverage for good measure.

Term Life Insurance for Motorcycle Riders

Term life insurance provides an affordable way to give your family peace of mind in a financial sense. This type of policy is set for a predetermined period or term. This is usually between 10 and 30 years, and during this period, your insurance provider will pay beneficiaries should you die. The policy can be extended, but it may be at a higher rate.

Permanent Life Insurance Policies for Motorcyclists

Permanent life insurance, like whole life insurance, doesn’t expire until you pass or the policy lapses. One benefit that policyholders enjoy is having the ability to borrow funds from the policy which accrue cash value over time. However, borrowing against the policy can reduce or eliminate death benefits.

Know You’re Protected With Life Insurance

Soak in the sun and experience the freedom and relaxation that riding a motorcycle can provide, but do so knowing your family has financial security should a fatal accident occur. Feel free to contact Amy Tounget Insurance Agency LLC online for a quote, give us a call, or stop by our office in Midlothian, TX for quick assistance.

Termites and Home Damage: Will Insurance Help?

Our team at Amy Tounget Insurance Agency LLC can provide Midlothian, TX residents with the home insurance policies they need to keep their homes safe. If you’ve been attacked by termites, you probably want to know if our policies will help. Here’s what you need to know.

Why Your Policy Doesn’t Cover Termite Damage 

Unfortunately, your home insurance policy won’t cover most types of termite-triggered damage. There’s a reason for that: this type of problem can be easily prevented by regular home maintenance, such as sealing up entry routes for termites and applying various chemical treatments. 

As a result, your insurance company won’t cover the kind of severe and widespread damage that termites can cause to a home. That’s very frustrating, but there are a few exceptions to this rule. Read on to learn more about a few times when your policy will help you. 

What It Might Help You Pay

What happens if termites cause other types of serious damage? For example, if your termites chew through wires or somehow damage pipes and cause fires or floods, are you covered? Yes! That’s because fires and floods are covered by your insurance policy as long as you didn’t cause them. 

By that, we mean incidents like termites that trigger fires are pretty much freak accidents and couldn’t have been prevented with standard maintenance. As a result, it’s important to stay in touch with your provider to learn more about what they can do to help you in this weird scenario.

Have Questions? Consult With Us

At Amy Tounget Insurance Agency LLC, we can help Midlothian, TX area residents understand their insurance coverage and help you pay for various types of damage. Call us today to learn more about your options, and we’ll do whatever we can to ensure you get the proper coverage.

Four things not to do when it comes to auto insurance

Motorists in Midlothian, TX can purchase auto insurance from us at  Amy Tounget Insurance Agency LLC. When you purchase auto insurance, there are a few mistakes that you should be sure to avoid.

The following are four things not to do when it comes to auto insurance:

Being unaware of the deductible on your auto insurance policy

The deductible on your policy is an essential detail that you must be aware of. You need to know what your deductible amount is so that you always have at least this amount available in an emergency fund for when you have to file a claim. 

Letting your auto insurance policy lapse

Be sure to make all payments on time. If any of your premium payments are made late, you put yourself at risk of having your policy lapse. When this happens, you won’t be covered for any expenses you face as a motorist. 

Failing to read the fine print of your auto insurance policy

Auto insurance coverage could be subject to exclusions and limitations. You need to know of any exclusions on your policy so that you’re fully aware of what you’re covered for and what you’re not covered for. 

Buying the least liability insurance amount available

A lot of motorists make the mistake of only buying the minimum amount of liability insurance that’s required. If you only buy minimized coverage, you could end up facing a lot of financial problems in the future.

Paying for additional liability coverage can minimize the amount you have to pay out of pocket if you’re eventually held liable for an accident. 

Schedule A Consultation Today

Get an auto insurance quote from us at Amy Tounget Insurance Agency LLC. We’re here to meet the insurance needs of consumers in Midlothian, TX. 

Selecting Beneficiaries for Life Insurance Policies

Designating the right beneficiary is vital to owning life insurance policies and similar financial instruments. You’ll want to make sure that death benefits go to the proper person following your passing. The professionals at Amy Tounget Insurance Agency LLC, service residents in Midlothian, TX, can help you select a policy that fits your needs and the paperwork necessary to ensure beneficiary designation.

What is a Beneficiary?

At its simplest, a beneficiary is the person or persons you designate to receive the proceeds of your life insurance policy or its assets upon your death. You can name more than one beneficiary, including a primary and contingent beneficiary, in case the primary individual passes away before you do. Life insurance policies allow you to change named beneficiaries if circumstances change. If you don’t name a beneficiary, the proceeds become part of your estate, and a judge can decide who will receive the proceeds.

Who Should I Choose as My Beneficiary?

Most people choose their spouses, but in lieu of that, you can name an adult child, another trusted family member, or anyone you wish. Most estate experts recommend not naming a minor child as a beneficiary, as someone else must administer the funds if you die before the child becomes an adult. However, you can place your life insurance policy in a trust to protect the proceeds until your child becomes an adult.

Other considerations for naming beneficiaries include 

  • The beneficiary’s age
  • Whether receiving the benefits will disqualify your beneficiary from receiving other benefits
  • Ensuring that your will is in line with beneficiary designations
  • The ability of the beneficiary to manage money

Selecting Your Life Insurance Policy

You have many options when selecting life insurance in Midlothian, TX. Amy Tounget Insurance Agency LLC can help you with the process, as well as naming beneficiaries.

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