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Amarillo, TX 79103

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Will auto insurance cover the replacement of my car’s stereo system?

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Many of us enjoy listening to the radio as we drive around town running errands or traveling to different places. It is a common pleasant part of the driving experience. Fortunately, your car’s sound system is typically covered under your auto insurance policy. Our Amarillo, TX team at Allied Insurance Agency takes pride in educating drivers about all the coverage benefits of auto insurance.

Will auto insurance cover the replacement of my car’s stereo system?

Typically, yes. Your car’s unaltered sound system is usually covered under basic, comprehensive, and collision auto insurance. However, the issues you may be having with your car’s sound system and how they came about determines which coverage will be applied for the repair or replacement of your sound system.

Drivers can also purchase add-on insurance in the form of sound system insurance to cover the replacement or repair of an aftermarket sound system. This auto insurance will cover theft and any damage caused as a result of an accident.

Drivers should inform their auto insurance company if they plan on purchasing a new stereo system. This will avoid any issues associated with invalidating your existing car insurance policy that could arise from purchasing a sound system without informing your insurance provider.

Any changes to your car’s existing systems and structure should be noted and disclosed to your insurance provider. An insurance agent can discuss how and what forms of coverage would apply to your sound system based on the accident or circumstance.

Looking for Insurance in Amarillo, TX?

If you have questions about what’s covered by your auto insurance policy, call us at Allied Insurance Agency. We’d be happy to help you explore your options and answer your questions. 

What You Need to Know About Motorcycle Insurance for Vintage Motorcycle

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The vintage motorcycle market is booming. Enthusiasts often look for valuable and rare vehicles, which means they require special care and attention. Therefore, if you’ve just purchased a vintage motorcycle or plan on buying one, here’s everything you need to know about navigating the world of vintage motorcycle insurance.

Protect Your Investment with Agreed-Value Coverage

When your policy is written, you should have an agreement with your insurance agent about the vehicle’s value, especially as vintage motorcycles are often very expensive. With agreed-value coverage, you’ll receive the agreed-upon value in the case of theft or damage rather than the depreciated value you would receive with standard insurance policies. 

Consider Specialized Insurance Coverage

Your motorcycle has different needs to standard, modern ones, and it is probably more valuable and requires special upkeep. Even if you’re planning on keeping your vehicle safely tucked away and barely, if ever, riding it, you need a policy that offers coverage for parts, accessories, and restoration costs. 

Don’t Forget About Liability Coverage

Imagine you’ve taken your vintage motorbike to a convention or show, or you’re simply showing it off to a friend. They try to ride it and get hurt, or the motorbike falls and hits someone else’s. Regardless of the vehicle’s age or cost, any vehicle owner is aware of the importance of liability coverage, and your vintage vehicle is no different. 

Reach Out To Us!

Navigating the world of motorcycle insurance for a vintage motorcycle can be overwhelming. Fortunately, we will guide you through the process at Allied Insurance Agency in Amarillo, TX. We provide expert customer service to our clients and plan coverage with your best interests in mind. 

Don’t wait to insure your vintage vehicle! Call Allied Insurance Agency in Amarillo, TX today. 

Tips to prepare your house for a storm

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With the spring and summer seasons quickly approaching, it’s important to make sure that your home here in the Amarillo, TX area is prepared for storms.

Here are a few tips from us at Allied Insurance Agency to help you get ready:

1. Inspect your roof for any damage or weak spots that could allow wind or rain to enter your home. Make repairs as necessary.

2. Clean the gutters and downspouts of leaves and debris so water can flow freely away from your house.

3. Trim back trees and shrubs that could potentially fall on your home or cause damage during a storm.

4. Install window shutters to protect windows from high winds and flying debris. You can also use plywood to cover windows as an alternative option if you don’t have shutters installed already. 

5. Secure outside furniture like patio umbrellas, tables, chairs, grills, and other items that could blow away in strong winds. 

6. Ensure all entry points are sealed with weather stripping if they are not already properly insulated against moisture intrusion or drafts. 

7. Have an emergency kit ready with flashlights, extra batteries, snacks, water, first aid materials, and an NOAA weather radio in case of power outages due to severe weather.  

8. Be sure to update your homeowner’s insurance policy so it provides adequate coverage in case of catastrophic damage caused by a storm. 

9. Have a plan in place in the event of an emergency and practice it with your family members regularly. Make sure everyone knows where to go, who to contact, and how to get help

Give Us A Call

By following these tips, you can ensure that your home is prepared for a storm before one hits! If you have any additional questions or want to explore a new homeowners insurance policy, give us at Allied Insurance Agency a call today We are proud to serve the Amarillo, TX area.

Renter’s Insurance in Amarillo TX: What You Need to Know

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Are you a renter living in Amarillo, TX? If so, you may wonder if you should get renter’s insurance even if your landlord doesn’t require it. Allied Insurance Agency’s answer is yes! While most landlords have liability insurance on their rental property, this does not protect you or your belongings. Without renter’s insurance, you are responsible for replacing lost or damaged items due to theft, fire, or natural disaster. Renter’s insurance also protects you if someone is hurt inside your home.

What Does Renter’s Insurance Cover? 

Renter’s insurance covers your personal property and provides essential liability coverage. If someone is injured while visiting your rental unit, they can file a claim against your policy. It also covers loss or damages due to fire, smoke damage, theft, burglary, water damage (such as flooding), vandalism, and other disasters. It can also cover additional living expenses if the unit needs to be temporarily vacated due to an insured event like a fire.  

Why Renter’s Insurance Is An Important Investment

Renter’s insurance isn’t just something your landlord might recommend; it’s an important investment in protecting yourself and your belongings from harm. Whether you’re renting an apartment, condo, or a house in Amarillo, TX, getting renter’s insurance will give you peace of mind knowing that should something happen to your home or its contents – whether through theft or natural disaster.

You will be able to recoup some of those losses with adequate coverage from Allied Insurance Agency that fits within your budget. Don’t wait until it’s too late—speak with one of our friendly agents today about getting the protection you need for yourself and for what matters most!

Safe driving tips for new drivers

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Driving a car can be an exhilarating experience, but it’s important to understand the responsibility that comes with it. It’s especially important for new drivers in Amarillo, TX and everywhere to have a proper understanding of safe driving practices before they hit the open road. As such, here are some essential tips from the Allied Insurance Agency for staying safe behind the wheel. 

Safe driving tips for new drivers

First and foremost, always obey traffic laws and pay attention to your speed limit. Speeding is not only dangerous; it significantly increases the risk of being involved in an accident. Additionally, be sure to familiarize yourself with all of your vehicle’s functions and features such as headlights, brakes, and turn signals before you drive; this will ensure that you’re able to handle any potential issues quickly should they arise. 

Furthermore, make sure that you always have a valid driver’s license with you when you drive. Ensure that your vehicle is up-to-date on all necessary inspections and maintenance; this will help reduce the risk of potential mechanical failures while on the road. 

Finally, always look down the road – rather than just directly ahead – while driving; this will allow you to anticipate any potential hazards coming your way which will enable you to react accordingly in order to prevent any incidents from occurring or at least minimize their severity should one occur nonetheless. 

Make Sure to Get The Right Insurance Coverage For Your Vehicle

Staying safe on the roads is everyone’s responsibility. These tips are just some of the many things new drivers should keep in mind at all times when operating a vehicle. Getting auto insurance is mandatory – this will also ensure your vehicle is protected in case of any accidents. For more tips and to get coverage for your car, call us at Allied Insurance Agency today! We proudly serve the Amarillo, TX area. 

Protect Your Most Valuable Asset with Home Insurance

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Are you a homeowner? Would you like to be? Allied Insurance Agency, serving the Amarillo, TX area, is here to assist with all your insurance needs.

Protect Your Most Valuable Asset with Home Insurance

Homeowners insurance covers a private home. It is personal insurance protection that includes losses occurring to the property, its contents, and loss of use, as well as liability coverage for accidents that occur in the home or at the hands of the insured within the policy area.

The cost of homeowner’s insurance depends on the replacement cost of the home and any additional riders attached to the policy.

If a mortgage is carried on the home, the lender will require the buyer to purchase homeowners insurance as a condition of the loan. They require it to protect their interests in the event the home is destroyed and is a total loss.

Even if a property is mortgage-free, it is recommended that homeowners insurance be purchased. Why? You risk losing your home in the event of a lawsuit. Let the liability portion of the policy pay for the settlement. Otherwise, you will need to pay for it out-of-pocket.

Here are some basic perils which are covered in a homeowner’s insurance policy:

  • Aircraft or auto collision
  • Explosion
  • Fire
  • Hail
  • Lightning
  • Riot or civil unrest
  • Smoke
  • Vandalism
  • Windstorm

There are some things that a homeowner’s insurance policy will not cover:

  • Bird damage
  • Earthquakes or movement of the earth
  • Floods
  • General wear and tear
  • Insect damage
  • Mold
  • Poor workmanship
  • Rot
  • Rust
  • Smog or smoke due to agricultural or industrial operations

If your home is damaged by a peril that is covered in the policy, like a weather event, fire, vandalism, or sudden or accidental water damage, the policy will likely cover it. However, most policies will not cover structural or foundation issues that occur over time. The causes of foundation damage will fall under the natural cracking, settling, and shrinking exclusion.

Give Us A Call

The Allied Insurance Agency in Amarillo, TX can answer any questions you may have. Contact us today.

Three things to do when you’re choosing renters insurance

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Purchasing renters insurance is something that you should do to protect your assets and belongings as a renter. Our insurance experts at Allied Insurance Agency are happy to assist Amarillo, TX renters with their insurance policies.

It’s important for you to go through a few important steps when you’re getting renters insurance.

The following are three important things you should do when you’re choosing a policy:

Figure out the types of coverage you wish to purchase

There are numerous types of coverage that a renters insurance policy can offer. These include personal possessions, liability, and additional living expenses coverage. You should research what all these types of coverage are and determine what your unique needs are. 

Research renters insurance providers that offer insurance in your area

You’ll also want to see what your options are when you’re looking for renters insurance. Find insurance companies that offer renters insurance policies in your area.

You might want to consider purchasing a policy from a company you’re already buying another type of insurance from if possible so that you can take advantage of a bundling discount. 

Set a budget and get quotes on policies

You should have an idea in mind about how much you want to spend on monthly premiums. You can then request quotes on policies from a few different providers. Make sure that you compare quotes between policy providers so that you can choose the best option for the situation you’re dealing with. 

Contact Us Today

When you purchase renters insurance from us at Allied Insurance Agency, we’ll help you through every step. We’re here for renters looking for the insurance coverage they need in Amarillo, TX. Get in touch with us to find the right policy for your needs. 

What Does Full Coverage Auto Insurance Mean?

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Full coverage insurance is a phrase often used and frequently misunderstood. Allied Insurance Agency wants our Amarillo, TX insurance clients armed with accurate information. So let’s break down some key coverages in simple terms.

The Basics:

We know the primary three. Liability covers another driver’s damages if you are at fault. Collision pays for repairs to your vehicle because of an accident. Comprehensive covers non-collision repairs. Things like damage from fires, hail, wind, theft, and vandalism are comprehensive. This is often called full coverage. However, it doesn’t cover everything. Be sure to review your policy details to know what’s excluded.

Other Auto Coverages:

Texas requires insurers to offer PIP and Uninsured/Underinsured coverage. You must decline these coverages in writing. Others may or may not be offered, but are worth considering. Nobody plans an accident, and they rarely come at an opportune time. Insurance helps you weather the unexpected. 

  • MedPay: Covers medical bills for the driver and passengers for a covered accident. Also covers you if injured as a passenger, pedestrian, or cyclist.

  • PIP: Like MedPay, but also pays for lost wages and related costs. 

  • Uninsured/Underinsured: Covers the bill if you are hit by someone with insufficient coverage to pay for repairs and medical expenses. 

  • Towing/Roadside: Covers the cost of towing, gas and oil delivery, tire changes, and dead battery service roadside.

  • Rental Reimbursement: This covers the cost of a rental while your car is being repaired for a covered accident. Some policies may allow ride-share services. 

Get The Right Insurance Coverage For Your Vehicle Today

Whether you are looking for new insurance in Amarillo, TX, or wish to review your current policy, Allied Insurance Agency is here to help. Our friendly staff is ready to answer all your questions so you feel confident in your insurance choices.

Motorcycle Insurance Basics

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Most people are under the impression that motorcycle insurance and auto insurance are the same things. The truth is, though, that bikers can save a lot of money by having a customized motorcycle insurance policy. At Allied Insurance Agency, serving Amarillo, TX and the surrounding areas, we are here to help you understand the differences in these types of policies so that you are always properly covered. 

Is Motorcycle Insurance A Big Deal?

Yes, it is very important that you have the proper type of insurance coverage in place. If you fail to have your bike properly insured, it could result in legal actions, fines, and great costs to you. There is a greater risk of accidents and injury for bikers. Which is one reason why you should always have insurance in place. 

What Will Happen If I Don’t Have Motorcycle Insurance?

If you fail to have insurance in place you could risk losing your license. You may also face steep fines or legal actions. If you cause damage to another vehicle or injury to a person, you might also be held liable for their expenses as well. Legal fees could also result if the injured parties decide to take you to court. 

If you have proper insurance in place, though, the insurance policy will help to pay for these types of expenses. 

Should I Take A Motorcycle Safety Course?

Sometimes you can get discounted insurance rates if you have participated in a motorcycle safety course. This is a good idea anyway as it helps you operate your bike in the safest manner. 

Get Motorcycle Insurance Today

If you would like to learn more about motorcycle insurance, or any of our other insurance products, please contact us at Allied Insurance Agency, serving Amarillo, TX and the surrounding areas. 

What you need to look for when reviewing your homeowners’ policy

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Allied Insurance Agency is proud to serve the insurance needs of the Amarillo, TX community. If you have questions about home insurance, we are here to help! Our team understands just how important it is to protect your family’s home. Give us a call or come by our office today to learn more.

It’s important to review your homeowner’s policy on a regular basis

Having the right homeowner’s insurance policy is an important part of responsible home ownership. If you have a homeowner’s policy that hasn’t been updated or closely reviewed in some time, now is a perfect time to do so. Reviewing your homeowner’s policy is something that you should do at least once a year. 

When your policy comes up for renewal, go ahead and take out your policy and give it a close look. You will want to make sure that it provides sufficient coverage to protect your house and its contents. Keep in mind any improvements you have recently made to your house, or any large-ticket items that you have purchased. These two factors are the two most likely to alter your home insurance policy needs.

If you discover that you are underinsured, or that there are gaps in your coverage, be sure to take swift action. Having the right amount of homeowner’s insurance in place at all times will help you to adequately protect your home, now and well into the future.   

Give us a call today!

Amarillo, TX area residents can turn to the team at Allied Insurance Agency for all of their insurance needs. If you want to make sure that your current homeowner’s policy provides the protection you need, give us a call or stop by our office today!