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1333 W McDermott Dr Suite 200
Allen, TX 75013

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Home Insurance FAQs

Wise insurance choices are one of the best ways to protect your investments. This includes the investment you have made into your home. At Brent Davis Insurance in Allen, TX, we are here to help you make those solid insurance choices.

Do I Need Home Insurance?

Your home is one of your most important investments. In order to properly protect it, you need a homeowner’s policy in place. If you are making payments on your home through a mortgage, you will likely be required by law to have insurance on your home. But, even if you do not have a mortgage in place, it is the best way to ensure that your home can be properly repaired or replaced should it be damaged or destroyed. 

What Does Home Insurance Cover?

Your home insurance policy will provide the following types of coverage:

Property damage– If the actual property is damaged or lost, the policy will pay for repairs or replacement. This is a crucial way you can provide stability for your family. If the home is damaged or lost and you can’t pay out of pocket for repairs or replacement, your family could be left without a place to live. 

Liability– You carry a huge responsibility as the owner of the home. If someone is injured in your home or on your property, you could be held liable for their injuries or any legal fees that might result. Liability coverage will protect you and pay for these types of expenses. 

Get Home Insurance Today

If you would like to learn more about home insurance, or any of our other insurance products, please get in touch with us at Brent Davis insurance in Allen, TX. We will be happy to help you. 

Required Auto Insurance in Texas

Driving in Texas requires you to have auto insurance for your vehicle. There are several types of insurance coverage that are required to be in your auto policy. These come with minimum amounts that the state mandates, but it’s generally recommended that you raise the amount of coverage you have above the minimum so that you are better protected.

When you need to get an auto insurance policy, call us today at Brent Davis Insurance in Allen, TX.

Liability Coverage in Your Auto Policy

When you get your auto policy, it is required to have two different types of liability coverage that come in three different amounts of coverage. One is a minimum amount of bodily injury liability coverage for one person who has sustained injuries in an accident. There is a separate amount required for everyone in the accident who has injuries. Both of these amounts primarily pay for medical bills that a third party has in an accident that was your fault. Then there is property damage liability coverage that will pay for the damage to the other party’s property that comes from an accident judged to be your fault. 

Personal Injury Protection

Another type of coverage that comes in Texas auto insurance is personal injury protection or PIP. This is coverage that pays for your own injuries in an accident that you caused. While Texas policies come with this coverage, you can waive PIP in writing if you choose not to have it. 

Get Auto Insurance

Getting your auto insurance is highly important to keep you legal s you drive. Going without it can open you up to a number of fees and fines. To get your auto insurance with all of the right coverage types, call us today at Brent Davis Insurance in Allen, TX.

Do I Need Workers’ Compensation Insurance If I Have Commercial Insurance?

If you are a business owner, you know there are many insurance policies you need to have enough protection. One of the most important is workers’ compensation insurance. The question is, do you need it if you already have commercial insurance? Brent Davis Insurance in Allen, TX can help you decide which policy is right for your business.

Here are the differences between workers’ compensation and commercial insurance:

What Is Commercial Insurance?

Commercial insurance covers businesses for claims arising from their operations. It can protect your business from claims of negligence, property damage, personal injury, and more. Commercial insurance policies are tailored to the specific needs of the business.

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance covers businesses for claims arising from injuries to their employees. It can cover medical expenses, lost wages, and death benefits. Workers’ compensation insurance is typically required by law in most jurisdictions.

Can Commercial Insurance Cover Employee Injuries?

Yes, commercial insurance can cover employee injuries. However, it’s important to note that workers’ comp typically provides more comprehensive coverage. For example, it may cover medical expenses not covered by commercial insurance.

Things like prosthetic devices and rehabilitation. Additionally, workers’ compensation insurance may provide death benefits to the family of a deceased employee. Commercial insurance typically does not.

So, Which Policy Do I Need?

Workers’ comp is not mandatory in Allen TX. However, Brent Davis Insurance always recommends that clients err on the side of caution and purchase a policy. Commercial insurance is also crucial in that it offers protection against a variety of different risks.

That said, it’ll not be enough on its own to protect your business in the event of an employee injury. The best way to ensure your business is fully protected is to purchase both policies.

Give Us A Call

As a business owner, it’s crucial to have the right insurance coverage in place. Workers’ compensation insurance and commercial insurance are both essential policies that can protect your business from different risks. Brent Davis Insurance in Allen, TX can help you determine which policy is right for your business. Contact us today to learn more.

What Are The Different Types Of Home Insurance?

Residential and commercial are the two primary categories. Some people buy coverage to protect their homes in the case of a fire, while others buy it to protect themselves from uninsured motorist claims. 

Some purchase liability coverage, while others may want liability and property policies. For inquiries pertaining to your specific needs, reach out to Brent Davis Insurance in Allen, TX. 

Different Types Of Home Insurance

Residential home insurance covers the structure of your home, including the value of the property and any additions you have made. It also covers any possessions inside your home. 

Commercial home insurance covers the building itself, any equipment that is in the building, and any inventory in the building. Some of the most common types of home insurance include: 

  • Dwelling Insurance: This type of policy covers the structure and contents inside your house from fire, wind damage, and other perils.
  • Personal property insurance: This type of policy covers your personal possessions such as furniture, electronics, and clothing from fire, theft, or other perils.
  • Homeowners insurance: This covers your home, its contents, and the people who live inside. Most homeowner’s insurance policies will cover the damage or loss of your home if there is a covered peril such as a fire, lightning strike, or tornado. 
  • Liability coverage: This type of coverage protects you from lawsuits brought on by someone who has been injured on your property. For example, if someone slips on the ice in front of your house and is hurt because you did not shovel it off, they can sue you for compensation for their medical bills. 

Liability coverage also pays any damages awarded by a court if you lose a lawsuit brought against you. They might be injuries caused on your property or damage done to another person’s property through negligence while working on or around your home or car etc. 

Contact Us Today

The home insurance policy protects your home and other property against a wide range of disasters like fire, storm, theft, vandalism, and so on. A variety of home insurance plans are available in the market depending on the coverage you choose to have. For expert insurance advice in Allen, TX and surrounding cities, give us a call at Brent Davis Insurance.

What Are Some Things I Can Do To Avoid Paying Auto Insurance Claims?

The best way to avoid paying auto insurance claims is to not get into an accident. However, if you do, the best way to avoid paying auto insurance claims is to have a solid automobile insurance policy. Many people think that having the minimum amount of coverage is sufficient. 

If you got an auto accident injury and your medical bills are $10,000, and your policy only offers $5,000 of coverage – you could be responsible for the remaining $5,000 out of pocket. Ensure you comprehend the policy and know what it doesn’t cover. If you have more questions about automobile insurance or your liability limits, call Brent Davis Insurance or visit us in Allen, TX. 

Avoiding Insurance Claims 

If you want to avoid paying auto insurance claims, get the most out of your policy. This may include purchasing additional coverage, having the right coverage, and shopping around different firms for the best policy. Finding the right policy will help you avoid paying auto insurance claims in the future. Driving safely is the key to reducing your risks during an accident. To avoid claims and to save more, consider the below claims: 

  • Shop around
  • Compare insurance costs before purchasing a car.
  • Request greater deductibles. 
  • Reduce your premium for older vehicles 
  • Purchase auto and house cover from the same company. 
  • Maintain a good record. 
  • Benefit from low-mileage savings.

Avoid paying a claim by purchasing the right amount. There’re those who pay excess because they are not accurately calculating their risk. If you have had a few traffic violations or accidents on your record, you will likely be charged a higher premium. Also, keep your car well maintained. 

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One of the best ways to avoid paying claims on your auto insurance policy is to maintain comprehensive collision coverage on your car. The insurance protects your car against natural disasters, vandalism, and falling objects. Collision coverage caters to your car repair when it collides with another one. 

You can take precautions like installing a dashcam to record your driving, maintaining your car according to the manufacturer’s recommendations, and avoiding driving at-risk times ( rush hour, rain, ice). That way, you can prevent auto insurance claims and keep your insurance rate low. For help, call Brent Davis Insurance serving Allen, TX and surrounding areas.

Commercial insurance FAQs

Choosing an insurance agency that has experience helping businesses to identify and mitigate their risks is important. Once you know what the main risks are, you can get insurance to help you survive the problems that arise. At Brent Davis Insurance in Allen, TX, we take that responsibility seriously. We get to know our clients and their business. We are independent agents and work with many carriers. This allows us to find the one that can provide the coverage you need at the best price.

Commercial insurance FAQs

What commercial insurance is required in Texas?

Texas is the only state that has no commercial insurance requirements, not even workers’ compensation. Having said that, it is a good idea for most businesses to have some sort of commercial insurance to protect their assets.

What is a BOP (Business Owners Policy)?

A BOP is a combination business insurance policy that is designed for small to medium businesses and, in the most common form, includes commercial property insurance and commercial liability insurance. This offers a lot of protection and by combining the two together, the price is usually better. Another option is to include business interruption coverage, which is another important type of coverage for smaller businesses.

What does commercial property insurance cover?

Commercial property insurance covers the building if you own it and also the content. These are all the things you need to do business. Depending on what type of business you have, it can be machinery, displays, tools, inventory, office furniture and machines, electronics, and raw materials. It covers the things that you use to conduct your business.

Contact Brent Davis Insurance in Allen, TX to let us help you and your business to protect yourselves from all the things that can and will go wrong. Call us for an appointment.

Should I get auto insurance?

Driving a car in Allen, TX will continue to be a need for many people. If you want to buy a car in this area, you will also want proper insurance. There continue to be great reasons to get into a new policy.

Insurance Will Keep you in Legal Compliance

One of the reasons you should get coverage is that it will keep you in legal compliance. All people that drive a car or other vehicle in Texas are going to be required to have auto insurance, which will offer valuable liability protection. Ultimately, this coverage protects all people that are on the road. When you get a full insurance policy, you will stay in compliance with your legal requirements.

Insurance Protects Asset

Your car is going to continue to be a very important asset that needs to be protected as well as possible. If you invest in a policy that offers you collision and comprehensive protection, you will have the coverage needed to repair or replace your vehicle. This could end up saving you a lot of money in the long run if your car is stolen or damaged in any way. Further, any auto lender will want you to invest in this protection as well.

As you are searching for a new policy in the Allen, TX area, it would be a good idea to reach out to the team at Brent Davis Insurance. Picking a policy for your auto insurance is very important but is also not a very easy decision to make. If you look for a new policy here, you will want to work with Brent Davis Insurance, as they can answer any of your questions and help you pick a good policy.

Making sure your home is prepared for an emergency

Nobody likes to think about an emergency happening at their home, but being prepared makes it much easier to deal with. There isn’t any way to predict every possible emergency that could happen, but there are some major ones that you can be prepared for. At Brent Davis Insurance in Allen, TX we take the responsibility of making sure our customers have the perfect coverage seriously. We make sure we get to know you before making suggestions.

Lots of different sorts of emergencies can cause problems at your home. One of the most serious is fire. Making sure that you have working smoke detectors is vital. Batteries need to be changed every six months. If you have a fireplace, it should be cleaned every year to lessen the risk of fire in your home.

You should have a home inventory and it should be stored in a safe place that will allow it to survive an emergency. You need to have a fire-proof and water-proof storage container to hold all of your important papers and if you must evacuate your home, you can take it with you. Having the important papers in a safety deposit box is also not a bad idea with a copy in the cloud.

You need to have a plan for any emergency that could happen. Having an evacuation rehearsal is a good idea. Make sure every member of the family knows where you should gather in the event of an emergency. Have an evacuation route in case there is flooding or a tornado. Have a generator or backup power in the event you lose electricity. An emergency kit with batteries, water, and snacks is a good idea.

Contact Brent Davis Insurance in Allen, TX when you are ready to discuss your home insurance coverage.

When should you review your home insurance policy?

Home insurance is not a one-and-done kind of insurance. As you change and your lifestyle changes, your home insurance needs to grow and change with you. At Brent Davis Insurance in Allen, TX,  we make sure that we get to know our clients so that we can better access their insurance needs. No one wants to pay for insurance they don’t need or do not have the insurance they need.

When it is time for your policy renewal, your carrier will send you a new copy of your policy. Don’t just toss it in the garbage or into a drawer, You actually need to look at it. The front page is called the declaration page. This is a synopsis of your coverage. You can look at it rather quickly and see exactly how much you are paying and what you are paying for. Do you have enough property coverage? Is the content coverage the kind you want? Do you have any endorsement? What is your deductible? What credit are you getting?  Once you have looked these all over, you can talk to your insurance agent about anything that needs to be changed.

This is the obvious time to review your policy, but if you have made any major changes to your home, you need to make sure your insurance company knows and evaluates your house.  Have you added a dog, trampoline, or pool to your home? You may need more liability coverage. Have you replaced your roof? Added a home security system or wired smoke detectors? You may be eligible for a lower premium. It is up to you to let your insurance agent know when there are changes in your home and in your life.

Contact Brent Davis Insurance in Allen, TX to talk about how we can help you to make sure you have the right home coverage.

Choosing the Right Commercial Insurance Policy

When you open a business, whether you open a sole proprietorship or a startup, you will need commercial insurance. The need increases if you own a business with a storefront or a service-based practice, such as a legal firm or medical practice.

Brent Davis Insurance serving Allen, TX can help you obtain the appropriate coverage for your business. Buying business insurance isn’t the same as insuring a house or car. Your business will need multiple coverage types and policies. In the insurance industry, what we refer to as a commercial insurance policy actually refers to a package of policies.

Most businesses start with a business owners policy (BOP) and add to it. The BOP consists of the four most common types of insurance a business needs. It includes structural damage, business and personal property, and liability protection.

You then add to it the specialty types of coverage you need. This includes additional general liability, glass insurance, boiler insurance, malpractice coverage, and more than 10 other types of insurance. Each kind of policy covers an event that only certain businesses experience. For example, a dry cleaning business that delivers clothing would need a commercial auto policy and inland marine insurance. The former would cover the vehicle’s liability and property damage as well as comprehensive and collision. The latter would cover the items transported by the business.

Only medical and legal practices need malpractice insurance, typically, but a medical doctor who also creates medical devices, such as prosthetics or a dentist that creates teeth straightening trays would also need error and omissions insurance. The medical devices would not be covered under malpractice insurance.

The complexities of commercial insurance warrant a consultation with Allen TX’s Brent Davis Insurance. Let one of our agents discuss your commercial business options with you. We can help you find just the right coverage for your business, so you do not spend too much or buy the wrong policy.

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