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Quote Savant

7400 Gaylord Pkwy
Frisco, TX 75034

What Is The Voluntary Inspection Program?

There are a number of reasons, such as the age of the home or its location, for which insurance companies won’t insure a Frisco, TX home. Frustrated buyers have a resource into which they can tap called the voluntary inspection program. Hiring a voluntary inspection program inspector will get you a certificate of insurability.

The house has to meet standards such as:

    • In good repair

    • Wiring, plumbing, and HVAC in good condition

    • Roof not leaking and in good condition

    • Fencing around pools, ponds, other bodies of water, and trampolines

Quote Savant would like for you to hear more about this program.

For What Reasons Would An Insurance Company Not Insure A House?

Today’s world is more perilous than it was back in the day. Nowadays, the crime level alone would stop a Frisco, TX insurance company in its tracks. Add to this the last few years’ proliferation of catastrophic storms. Your credit numbers could have fallen below the level at which the insurance company would insure you. Even getting a new puppy could do it (they’ll chew the baseboards if there aren’t shoes to chew.)

What Happens When You Get The Certificate Of Insurability?

It means that no insurance company can deny you coverage unless it (a) inspects your house again and (b) puts it in writing. The certificate is acceptable for three years unless you alter the property considerably. If you do, the insurance company can have the property inspected again. You might also be required to produce a statement that the property hasn’t been modified much.

Schedule A Consultation Today!

Insurance companies have to keep up with changing times. This can put new home buyers at a disadvantage sometimes. Call or visit Quote Savant so that we can guide you through the changing times with good home insurance.

How does my deductible work for my auto insurance policy?

If you want to drive in Frisco, TX, you need to carry proof of financial responsibility in case you are involved in an accident. Even if the accident is not your fault, you may still be responsible for at least part of the damages. You must pay a deductible for collision, comprehensive, and uninsured/underinsured motorist claims. If you only have liability coverage, you may be completely responsible for any accident where you are at fault.

How Much Will You Actually Need to Pay?

When you purchase an auto insurance policy at Quote Savant, you can choose how much you want your deductible to be. Many people choose a higher deductible because the policy’s monthly cost will be less. However, when choosing a deductible, you need to consider how much you will be able to pay if there is an accident. If you cannot pay your deductible, you may not be able to pay your bills related to the accident. Talk with your agent about the differences in policies and the benefits of choosing a lower deductible.

How Does the Deductible Actually Work?

When you have a deductible, that amount will be deducted from the total amount of the claim before you get money from the claim. For instance, if the damages are $1,000 and your deductible is $500, you will only receive $500 on the claim. If your deductible is $1,000, you will receive nothing.

Reach Out To Us

If you drive in Frisco, TX, you want to be safe and protected. That means having an auto insurance policy that will protect you if there is an accident. If you have any questions or want to change your policy, please feel free to call Quote Savant today.

Insurance myths: Umbrella insurance is only for the rich

Of all the types of insurance, none is quite as misunderstood as umbrella insurance. The myth that it is only for the rich has been going around for quite some time. Once you understand what umbrella insurance is, you will understand why this is not true. At Quote Savant, we aim to educate our customers in the Frisco, TX metroplex so that they can make the necessary decisions when it comes to the insurance they need. 

Umbrella insurance is what is known as excess liability insurance

Many different types of insurance offer liability coverage. These include:

  • Home
  • Auto
  • Condo
  • Renters
  • Boat
  • Motorcycle
  • RV

If you have one of these policies and the amount of liability insurance doesn’t seem adequate, the best way to get the additional coverage you need is to have an umbrella insurance policy. Umbrella insurance usually starts at about a million dollars in additional coverage. Given the size of judgments these days, it is not more than you probably could use if you are sued. 

Liability insurance offers protection to people of all means. Just because you are not rich doesn’t mean you don’t have assets that you would like to protect. If you don’t have the insurance to protect whatever assets you have, you could end up losing them and even more than that. Your future wages could be attached, so you would be ruining your present and your future. 

Umbrella insurance is the best option for protecting your finances and your assets. It is affordable and easy to acquire. Best of all, no matter how many policies you have with liability coverage, it will cover them all. 

Call Us Today

Contact Quote Savant in Frisco, TX when you are ready to discuss how umbrella insurance can help you protect your assets. 

House Repairs That Affect Home Security

Keeping your home safe and sound often involves more than simply locking up at night or installing a security camera. There are many things that can affect the security of your home including needed home repairs. There are certain repair jobs that if neglected, can drastically impact the safety of your home. Here at Quote Savant, we want to help homeowners in Frisco, TX and the surrounding areas better understand how to increase home security.

Let’s take a look at house repairs that affect home security:

Faulty Windows

Windows are a vital part of home security. Windows are especially important because there are so many of them throughout your home. You really must consider that each individual window is another entry point into your home for would-be criminals. This is why securing your windows and keeping them in proper working order is vital. When window integrity starts to fail, you might wind up with a security issue.

Wooden windows are susceptible to rotting which makes it very easy to gain access. Locks on windows can also wear out over time and become easy to loosen. Make it a point to check the integrity of your windows a few times a year. If you find repairs are needed, do not procrastinate. 

Old Locks 

Locks are not usually at the top of our list of priorities when it comes to making home updates, but the truth is that locks absolutely need to be updated if they are starting to wear out. You’ll know you have a faulty lock because it will either become too easy or too difficult to unlock. Door knobs that seem loose in the door are another sign you might need new locks. 

Reach Out To Us

If you would like to learn about home insurance products, please contact us at Quote Savant serving Frisco, TX and the surrounding areas. 

What You Need to Know About Auto Insurance for Teenage Drivers

As a parent, you might feel overwhelmed by the prospect of your teenager getting behind the wheel. Once they get their learner’s permit, it is essential to understand how it affects auto insurance and what steps must be taken to ensure your teen driver is covered.

Understanding Learner’s Permits and Insurance for Teenage Drivers

In Frisco, TX, once teens turn 15, they are eligible for a learner’s permit. Before hitting the road with their permit in hand, parents should ensure their child is covered under their auto insurance policy as permits are only issued after completing a state-approved driver’s ed program or taking an approved driving test; most auto insurance companies are willing to offer a policy with an inexperienced driver.

Protecting Your Teen Driver with Comprehensive Auto Insurance

Once you have a suitable plan, it is crucial to understand what type of coverage you will need for your teen driver. Comprehensive coverage includes liability and collision protection, which covers property damage and bodily injury in an accident. Additionally, comprehensive coverage includes other factors such as uninsured motorist coverage, medical payments, and roadside assistance.

It’s important to remember that young drivers are still at risk for accidents and other unfortunate events, even with a learner’s permit. That’s why ensuring your teenager is fully protected with adequate auto insurance coverage is essential. At Quote Savant, we can help you find a policy for your needs so you can rest assured knowing your teen driver is in safe hands.

Reach Out To Us

Auto insurance for teenage drivers in Frisco, TX doesn’t have to be complicated or expensive. Working with an experienced team of professionals like those here at Quote Savant makes the process easy and stress-free so you can focus on other essential things, such as keeping your teen safe on the road. Contact us today to get started and make sure you are covered!

Beyond the Basics: Understanding the Nuances of Umbrella Insurance

Umbrella insurance is a type of insurance coverage that provides an extra layer of liability protection above and beyond the coverage limits of your primary insurance policies. This type of insurance benefits individuals and families in Frisco, TX, who want to protect their assets and lifestyle from potential lawsuits or other legal claims.

Types of Umbrella Insurance Coverage

One of the most common types of coverage is an excess liability, which provides additional coverage beyond the limits of your homeowners, auto, or other primary insurance policies. This type of coverage can help protect your assets in case of a lawsuit or other legal claim against you.

Another type of umbrella insurance coverage is uninsured/underinsured motorist coverage. This type of coverage provides protection in case you are involved in an accident with a driver who does not have enough insurance to cover the damages. This coverage can be particularly useful in Frisco, TX, where many drivers are on the road.

Choosing Umbrella Insurance Coverage

When assessing your umbrella insurance needs, it’s essential to consider your assets and lifestyle. If you have a high net worth or own multiple properties, you may need more coverage than someone who has less to protect. Additionally, if you participate in high-risk activities, such as sports or hobbies, you may need more coverage to protect against potential lawsuits.

Quote Savant Is Here To Help!

At Quote Savant, we understand that umbrella insurance can be complex and confusing. That’s why we work closely with our clients to assess their needs and help them obtain the right coverage for their assets and lifestyle. If you want to learn more about our umbrella insurance coverage options, we invite you to contact us today. Our team of insurance experts is ready to help you protect what matters most.

What Does Home Insurance Cover?

If you own a home in Texas, you may be wondering what exactly home insurance policies cover. Our agents at Quote Savant serving the Frisco, TX area want to assist you with all of your home insurance needs. They know and understand that your home is probably one of the largest investments you will ever make in your lifetime, and they want to help you protect that investment.

What Does Home Insurance Cover?

Home insurance we’ll cover the structure of your home if it is damaged or destroyed by a fire, a natural disaster, or even an act of vandalism. It can also help you replace items inside your house if one of these events occurs or if they are stolen due to a burglary. Some of those items might include your personal belongings, household items, and even your furniture and appliances.

Many home insurance policies also cover buildings that are located throughout your property. Some of these can include your garage, deck, shed, and even a swimming pool in some cases. 

A home insurance policy will also help protect you from lawsuits. For example, if a visitor to your home slips and falls down your front stairs, they may need medical attention. Your home insurance policy will help cover their medical bills and even lost wages from their job if they need to be off work for a certain period of time due to their injuries.

Reach Out for a Quote!

Home insurance policies are very important to have in place to protect the investment you make in your home. Most mortgage lenders will also require you to have home insurance to protect the investment that they have made in your home. You can work with your home insurance agent at the Quote Savant serving the Frisco, TX area to ensure you create a policy that offers an adequate amount of insurance for you and your property! Call today for a quote and to get your policy started!

Do You Need Comprehensive if You Have Collision Coverage?

Liability insurance is required by law, but it’s not required if you have additional coverage like collision and comprehensive. If you lease a vehicle, you need full coverage insurance, which is usually a combination of liability and collision or comprehensive. If you are still determining if you need comprehensive or collision coverage, reach out to an insurance expert at Quote Savant, serving the residents of Frisco, TX and surrounding areas. 

Collision vs. Comprehensive

People who lease their vehicle from the dealership or finance their vehicle need liability, collisions, and comprehensive. However, if you own your own vehicle, you can choose which coverage you need aside from liability. Understanding the differences in coverage is essential because they cover different events and risks. 

Collision insurance covers accidents involving an impact on another vehicle or object. This coverage option also covers accidents with a rollover. Comprehensive coverage covers your car impacting with animals, damage resulting from severe weather, fire, theft, or any other damage caused by various external causes. It’s a good idea to have both types of coverage if you have a newer vehicle under ten years of age. It is, however, possible to choose one or the other. 

The best way to know if you should have both coverage types is to consult a qualified insurance agent. They can sit down with clients to discuss their specific needs and situation to determine which options work best for them. 

Give Us A Call

Anyone looking for reliable auto insurance coverage or answers to questions about insurance can reach out to Quote Savant today. We are proud to offer insurance options to the residents in and around the Frisco TX, area. Call or stop by the office to speak with an agent and get started protecting the things that matter most. 

Three advantages you’ll enjoy with umbrella insurance coverage

It’s a good idea to buy umbrella insurance. If you’re a consumer in Frisco, TX, you can get umbrella insurance through us at Quote Savant. 

There are plenty of advantages to carrying umbrella insurance coverage. You should familiarize yourself with the advantages of carrying coverage so that you fully understand umbrella insurance when you purchase a policy. 

The following are three advantages you’ll enjoy once you’ve purchased an umbrella insurance policy:

Umbrella insurance protects your hard-earned money.

A costly lawsuit can completely wipe out your savings and deprive you of the rewards of an entire lifetime of labor. Buying umbrella insurance is the only way many consumers can know that the money that they’ve worked so hard for is protected.

You never know what can happen in the future. Lawsuits can come up in your life that you would never have expected. With umbrella insurance coverage, you protect your finances no matter what the future holds. 

Umbrella insurance can conveniently be worked into your budget.

Umbrella insurance complements insurance policies that you already have. You can therefore conveniently budget for umbrella insurance by adding your umbrella insurance premiums to the insurance premiums that you’re already paying. 

Umbrella insurance saves you from stress.

Going without umbrella insurance coverage could cause you some stress. Without umbrella insurance, you could lose your savings if you get sued. 

Umbrella insurance coverage leaves you stress-free in the knowledge that you won’t be financially destroyed by a lawsuit. 

Contact Us Today

The sooner you purchase umbrella insurance in Frisco, TX, the sooner you’ll enjoy a higher level of financial security. At Quote Savant, we’re always here for you by phone or email when you’re looking for a policy quote. 

Common Perils Faced by Homeowners

Homeowner insurance is not a requirement for those who live in Frisco, TX, but most lenders will compel you to purchase a policy when you have a balance on your home. In addition, many homeowners whose homes are paid for choose to protect their assets and personal possessions by securing indemnification. 

What Hazards Do Homeowners Often Face?

Storms are an issue that is experienced by homeowners, and these can vary, depending on the location of your residence. More often than hurricanes, however, people face problems caused by severe wind, as this can happen with greater regularity.

High winds can occur during blizzards as well, doing damage to roofs, shingles, and shingles. Frisco, TX denizens may be impacted by tornadoes, as over 125 have happened since recorded meteorological history. Quote Savant aims to help homeowners like you by answering your questions in this regard.

Flooding is an issue for homes situated in low-lying areas or that are in the path of drainage ditches or gullies that overflow. Wet weather streams are also a frequent peril to homes, and properties on paved streets can be subject to flash flooding when water accumulates too rapidly for sewer systems to accommodate. 

Hail is a fairly prevalent phenomenon that can crack windows and ricochet to damage roofing or cause dents in aluminum or vinyl siding. Chimneys, vents, and gutters can also be affected. Hail stones can vary in size, and the speed at which they travel determines the intensity with which they will hit your home. Some have been known to fall as fast as 100 miles per hour.

We Can Insure Your Home

Contact us at Quote Savant for more information on our products and services. We can be reached online, via telephone, or by stopping in the office. 

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