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Frisco, TX 75034

Required Auto Insurance in Texas

When you are a driver in Texas, your vehicle is required to have an auto insurance policy on it. This protects others on the road as well as yourself by taking care of the bills that are due after an accident has happened with your vehicle. There are different amounts of coverage for different types of protection required in the policy. It’s also a good idea to have a few types of coverage that aren’t required on top of the types of coverage that are. This will keep you well-protected against accidents.

To get your auto insurance, call us at Quote Savant in Frisco, TX and get started. 

Required Coverage Types

When you get your auto policy, there are three amounts required in the policy. The first is a required minimum amount for bodily injury liability that is for a single person who becomes injured in an accident that is decided to be your fault. Next, there is a higher minimum amount required for all of the parties who were injured in the accident. Both of these pay for certain expenses such as lost wages and medical bills for injured third parties. Then, there is a minimum amount required for property damage liability. This pays for the other person’s property damage after an accident that is your fault. 

Other Coverage Types

In addition to the required coverage types, it’s a smart idea to get a couple of other types of coverage. Comprehensive coverage pays for risks to your vehicle when it isn’t being driven. Collision coverage pays for the damage to your own vehicle after you cause an accident that damages it. 

Get Your Auto Policy

When you need auto insurance, we can help. To learn more and get started, give us a call today at Quote Savant in Frisco, TX.

Does Umbrella Insurance Cover Lawsuits?

The best way to answer this question is to look at the specific policy language. The umbrella policy should provide coverage for claims against the insured that arise out of an occurrence. 

The umbrella policy will not cover acts of war, nuclear hazards, bodily injury, or property damage caused by alcohol or drugs, and it won’t cover any claim arising from a crime. For inquiries, reach out to Quote Savant in Frisco TX.

Umbrella Insurance: What You Need To Know

While most types of umbrella insurance will cover your home and auto insurance if you suffer a loss, it may not cover your medical expenses or lost wages if you lose your job because of the accident. There may be some type of umbrella policy that will cover your job if you are out of work due to an accident. 

As with any insurance policy, you should be sure that your umbrella insurance covers the types of things that you want to be protected before you purchase it. For example, if you purchase home insurance that only covers the value of your home, then it will not cover any house damage such as chipped paint or a broken window. 

Enduring only as long as the primary policy term, umbrella coverage tends to be pricey, costing an average of 50% more than the cost of purchasing a primary policy. Additionally, to be considered ‘unconditional’, your umbrella policy must pay out regardless of the circumstances or fault of the incident that caused the claim. 

On the other hand, if you purchase a home insurance policy that also covers items such as landscaping or antiques, then you will be covered if anything happens to your home that is not inside of its listed coverage. 

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If there is coverage for lawsuit claims arising out of an occurrence, then there should be coverage for lawsuits against the insured arising from those occurrences. Although it may seem like a no-brainer to purchase umbrella insurance, it’s actually a common mistake for many to overlook. 

Most types of insurance cover the cost of a claim if they end up having to pay out. However, not all types of insurance cover the risk of being sued. For expert advice in the greater Frisco, TX community, give us a call at Quote Savant.

Why Every Homeowner Needs Home Insurance

Owning a home is a big responsibility, and it requires a lot to take care of it. One of the things you need to do to protect it is to get home insurance for it. You need this protection for the biggest investment that you will make- your home. If you don’t yet have the coverage you need, give us a call today to talk about a policy for your home. Contact us at Quote Savant in Frisco, TX to learn more. 

Why Every Homeowner Needs Home Insurance

Cover Your House

When your house is protected by a home insurance policy, the house itself gets protection against a wide range of risks. Every policy covers a number of types of disasters, calamities, and accidents. When a covered incident happens to the house, it can cause damage that is expensive to fix. With home insurance, the policy will pay for the necessary repairs. This can save you many thousands of dollars after a serious incident happens to your home. Never go without this coverage, because there are many incidents that can happen to a house. 

Cover Your Possessions

Along with the huge investment you made in your house, you have also invested in many possessions. All of these have value, and they are covered by your home insurance policy. If something happened to your home that ruined the possessions inside it, your policy could help you to replace them. This is coverage that many people don’t think about, but it’s necessary to protect what you own. 

Liability Coverage

Another coverage type in a home policy is liability protection. If a third party came to your home and had an accident there, you are likely to be liable to pay for the medical bills. With a home policy, those are paid for you. 

Home Insurance for Your Home

To get a policy of your own, call us at Quote Savant in Frisco, TX.

 

Why do car owners in Frisco need auto insurance?

The Frisco, TX area can be a great place to live and work. When you are in this part of Texas, owning a car will make it much easier for you to get around. As you are looking for your next car, you also need to assess your auto insurance needs. There are various reasons why someone in this region will need to have a proper auto insurance plan. 

Why do car owners in Frisco need auto insurance?

Meet State Requirements

A common reason to have an auto insurance plan is that it is needed to meet state requirements. If you are going to drive any type of vehicle in Texas, you need to have liability coverage. Without this support, you will need to cover any damages that you cause in an accident. Further, you could be penalized if you are caught driving without this coverage. 

Protect Your Car

Vehicles today can be quite expensive and ensuring your valuable assets are covered and protected should be considered a top priority. A great way that you can protect your vehicle is by getting a full insurance plan with collision and comprehensive coverage. With this full coverage, you will have the support you need if you have to replace or repair your vehicle. This type of coverage is also a requirement for anyone that has taken out a loan against their car. 

Anyone that is in the Frisco, TX area is going to need to have the right insurance at all times. For vehicle owners, this will mean having a proper auto insurance plan. For those that are looking for this coverage, calling Quote Savant is a great option. The professionals with Quote Savant can give any support that is needed to build a plan that will ensure your vehicle is covered and that you are in full insurance compliance. 

Different Industries That Need Umbrella Insurance

Quote Savant assists the Frisco, TX community and surrounding areas. We strive to help our clients obtain coverage. We recognize that each of our clients has unique needs. That’s why we are committed to finding custom policies, so they can be protected regardless of what life brings. We work closely with multiple carriers throughout the South.

Different Industries That Need Umbrella Insurance

Life is full of unpredictability. If you don’t have a plan in place, one mistake can ruin everything. Consider the benefits of umbrella insurance. Umbrella insurance is supplemental coverage that is typically added to the home, auto, and commercial insurance policies. Accidents can happen at any moment. While liability insurance offers a layer of protection during these unfortunate times, it may not be enough in every situation. Umbrella insurance steps in once you have exhausted your liability limits handling a dispute. The policy can protect you from possibly losing your assets due to potential litigation. Umbrella insurance is beneficial to multiple industries.

Restaurant Industry

Operating a restaurant means you have to navigate a lot of rights and responsibilities. You are exposed to potential liability lawsuits in multiple ways. Perhaps a customer slips and falls on a wet spot entering your restaurant, damaging their hips. Perhaps you serve a patron one too many glasses of alcohol, and they cause an auto accident once they leave your restaurant. These are common situations where umbrella insurance steps in to prevent you from possibly losing everything.

Construction Industry

As a Frisco, TX contractor, you work on high-risk projects on a regular basis. Perhaps one of your tools accidentally injuries someone, or you cause serious property damage. Umbrella insurance will protect you during potential litigation.

Quote Savant Will Help You Protect Your Assets

Contact us today to learn more information about umbrella insurance.

 

What is the benefit of having home insurance in Frisco?

The Frisco, TX area has continued to be a vibrant community that has grown in population considerably over the past decade. Those that are looking for a place to buy a home should consider this area of the state due to the potential for value increases. When you are looking to buy a home in this part, you need to ensure you are properly insured. Having home insurance here is beneficial for various reasons.

Obtain Appropriate Coverage

One of the key benefits of having a home insurance plan in this region is that you can obtain appropriate coverage. Your home insurance plan offers protection for many of your assets. This includes your home as well as various personal items. Further, you will obtain liability insurance that will help ensure you are covered if someone is hurt during an accident on your property.

Comply with Requirements

For many people that buy a home in this region, taking out a mortgage is a great option. While the low-interest rates can make your home more affordable, there are requirements that need to be met if you do take out financing. A common requirement is for borrowers to carry insurance as it ultimately protects the lender’s collateral. Many borrowers will also be required to provide evidence of coverage and even escrow for payments monthly.

People that are in the Frisco, TX area need to ensure they are always properly insured. The professionals with Quote Savant can offer a lot of support when it comes to choosing an insurance plan. Quote Savant is able to help by carefully assessing all of your options and needs. From there, they can help you build a plan that will properly cover your assets and keep you in compliance with insurance obligations. 

Texas Required Auto Insurance

Shopping for auto insurance should be easy, so Quote Savant makes it simple for Frisco, TX residents to purchase a custom policy built on the minimum auto insurance required by the state of Texas.

You can get away with only purchasing the state-required insurance, but we would not recommend it. The state requirements only ensure that your insurance covers damage you do to another individual or their vehicle. To meet the state requirements, you need to purchase:

  • bodily injury liability coverage in the amount of $30,000 per person per accident,
  • bodily injury liability coverage in the amount of $60,000 per accident total,
  • property damage liability coverage in the amount of $25,000 per accident.

Once you have the minimums, if you cause an accident, the other driver’s damage and medical costs get paid for, but you still need insurance for damage to your own vehicle or medical care. You purchase collision and comprehensive insurance to cover your vehicle damage. You’ll need personal injury protection (PIP) to cover your medical care.

You can add other options to your insurance, too. For example, you can add rental car insurance to your policy. That will pay for your rental car while your vehicle gets repaired or until your insurance provides the car replacement check.

You can also add roadside assistance coverage. This policy add-on pays for a tow truck or roadside mechanical help. If you run out of gas, the roadside assistance brings you a gallon to get you to a petrol station or tows you there if it would require more than a gallon.

Creating a custom auto policy just takes a phone call or an email. Contact us today at Quote Savant serving Frisco, TX and the surrounding area.

How Umbrella Insurance Works

Umbrella insurance is a type of insurance policy that adds liability protection to insurance policies that you already have. It’s a type of insurance that gives you better coverage from the home and auto policies that you have in place. If you are interested in umbrella insurance, give us a call now at Quote Savant in Frisco, TX to find out more. 

Umbrella and Home Insurance

When you already have home insurance, it may not be enough coverage for your liability. If someone were to have an accident in which they were injured on your property, you could owe a lot in medical bills and other costs. If you have umbrella insurance, this adds liability insurance over and above what is contained in your home policy. This gives you much better coverage in the case that there is an accident on your home or in your yard. 

Umbrella and Auto Insurance

Auto insurance works with umbrella insurance in the same way that it does with home insurance. It adds extra liability insurance on top of the coverage you already have with your auto policy. First, the accident happens. Then, your auto insurance kicks in and pays what it can. Next, if there is any left over after your auto insurance has paid, your umbrella insurance policy will pay for that. Umbrella policies have very high maximums that they will pay out, so it’s unlikely that there would be any overage above that. This keeps you much better protected in case there is an accident with your vehicle that you are responsible for. 

Get More Liability Coverage

If you don’t have umbrella insurance, you may be left vulnerable to high bills after an accident. If you want an umbrella policy, give us a call today at Quote Savant in Frisco, TX. 

What Kind of Information Is Needed for a Home Insurance Quote?

Home insurance can provide protection for your home, personal belongings, and other building structures against theft, vandalism, fire, hail, wind, and other common sources of damage. It also covers you. Because of this, the home insurance quote process asks questions about you. If you have never filled out a quote for home insurance in Frisco, TX, you may be curious as to what information may be asked of you. Here at Quote Savant, we want to ensure you are prepared by sharing some details that may be requested of you during the quote process.

Your Home

Since your home is the priority when it comes to home insurance, your home will be the focus of the application. Some of this information may be pulled automatically, but you may be asked about the square footage, the year it was built, home finishes, maintenance issues, detached structures, safety features, etc.

Your Birthday

Your date of birth lets the insurance know whether you’re eligible to obtain home insurance coverage as well as whether you qualify for age-related discounts.

Credit Score

Some states require that your credit score be revealed during the insurance quote process. One reason for this is that it is believed that an individual who has a higher credit score is more responsible and is less likely to file insurance claims.

Coverage Lapses

It is always important that you maintain continuous coverage, be it auto insurance or home insurance. This is not only for safety purposes but also for your costs.

Primary Residence

You will be asked whether the home you are requesting insurance for is your primary residence, which means it is the home that you live in the majority of the time. If it is, then it is less likely to be vandalized and broken into. Second homes, such as vacation homes, tend to have a higher chance of having a claim filed for them since someone is not home a large portion of the time.

For more information about home insurance in Frisco, TX, reach out to the team at Quote Savant.

Auto Insurance Myths To Avoid While Researching Coverage

Quote Savant serves the Frisco, TX community. We offer our clients multiple types of insurance policies so that they can protect their assets. We offer flexible policies designated to meet unique needs. We look forward to establishing long-term relationships so that we can help our clients as their needs evolve over time.

Auto Insurance Myths To Avoid

Driving is a high-risk endeavor. There are multiple variables to account for. Auto insurance protects you while you are on the road. Collision coverage protects you if your vehicle suffers damage or if someone is injured. Liability coverage protects you if you are ruled to be responsible for the accident. Comprehensive coverage takes care of your vehicle if it is stolen or vandalized. While you are researching coverage, avoid these common auto insurance myths.

The Color Of Your Vehicle Is Important

This is incorrect. The color of your vehicle does not impact your auto insurance policy. The only variable that may impact your coverage is the model of your vehicle and its age.

Getting A Traffic Ticket Is Detrimental

While you should strive to keep a clean driving record while you travel around Frisco TX and beyond, your policy will not be drastically altered if you receive a minor traffic ticket.

You Aren’t Responsible If Someone Else Drives Your Vehicle

Many people make the mistake of assuming that they are no longer liable once they let someone else drive their vehicle. If you let a friend drive your vehicle, and they damage someone else’s property, you are still responsible.

Quote Savant Will Help You Stay Protected On The Road

Visit our website to learn more information about auto insurance.

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