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Telematics and Usage-Based Auto Insurance: Pros, Cons, and Considerations

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Telematics technology is revolutionizing the world of auto insurance, offering personalized rates based on your driving habits. Here at Allied Insurance Agency, providing auto insurance to residents in the greater Amarillo, TX area, we want to help you understand the advantages, drawbacks, and important factors to consider.

Pros, Cons, and Considerations

Pros of Telematics

Telematics, using devices or smartphone apps, tracks your driving behavior. Good driving habits, like cautious braking and steady speeds, can lead to lower premiums. For safe drivers, this could mean substantial savings. Moreover, telematics encourages safer driving, promoting road safety and potentially reducing accidents.

Cons and Considerations

While telematics offers benefits, it also raises concerns. Privacy is a significant issue; tracking driving habits might feel intrusive to some. Additionally, aggressive or frequent drivers may not experience cost savings. There’s also the challenge of adapting to new technology, which could be a deterrent for some.

Making the Decision

Before embracing telematics, assess your driving habits and comfort with technology. If you prioritize safe driving and don’t mind sharing data, telematics could be a win-win. Research insurance providers offering telematics and compare rates. Consider any potential privacy trade-offs and ensure the technology aligns with your lifestyle.

Telematics and usage-based auto insurance present an innovative approach to personalized premiums. While it rewards safe driving and encourages better habits, it also raises privacy and compatibility concerns. Carefully weighing the pros and cons will help you make an informed decision about whether telematics-based insurance is the right fit for you. If you’re looking for the best auto insurance for your needs in the greater Amarillo, TX region, let the insurance agents at Allied Insurance Agency assist you. Reach out today to start the process.

Things home insurance won’t cover

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Home insurance is a valuable asset to any homeowner. It helps to protect what may very well be your largest investment. If you haven’t already read your home insurance policy for exclusions, it is a good idea that you do so. The team at Allied Insurance Agency in Amarillo, TX is available to discuss your home insurance and help you determine the level of coverage that is right for you. 

Home Insurance Exclusions

Earth movement

A traditional home insurance policy will not cover things like sinkholes, mudslides, earthquakes, and landslides. If you want to have this coverage, you will either have to add an endorsement to your current policy or add a completely separate policy. 

Flood

Flooding due to busted pipes is covered with your traditional home insurance, but if it is surface water, it won’t be covered. Flood insurance can be purchased through the NFIP (National Flood Insurance Program) and has two options; property coverage and content coverage. 

Sewer backup

One of the most disgusting things that can happen to your home is to have the sewer back up into it. Even more disgusting is the fact that it is not covered by your home insurance. 

Owner neglect

The insurance company has the expectation that a homeowner will maintain their property and not let it run to rack and ruin. If your home ends up with termite damage, mold, mildew, rodent infestation, or other preventable damage, your home insurance will not pay for the repair. They have an expectation that you will get the necessary treatment done before your home sustains any damage. Owner neglect also means normal wear and tear and just aging. The best option is to maintain your home. 

We Can Help!

Contact Allied Insurance Agency in Amarillo, TX if you have questions regarding home insurance. Give us a call or email us through our website. 

My landlord already has insurance. Why do I need renters insurance as well?

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Renters insurance from Allied Insurance Agency is an important tool to have in your back pocket when renting a property here in Amarillo, TX, even if your landlord already has insurance. While your landlord’s policy covers damage to the physical structure of the home, it doesn’t protect you from liability or theft of your personal possessions. 

That’s where renters insurance comes in.

Renters insurance protects you from accident costs and other damages not covered under your landlord’s policy. If a guest is injured on your property, for example, renters insurance can help cover their medical expenses and any legal costs that may arise. It also covers lost or stolen items like furniture, appliances, jewelry, and electronics. In addition, renters insurance provides coverage if you need to move out temporarily due to an unexpected event like a fire or natural disaster.

Ultimately, renters insurance gives you peace of mind knowing that you are well-protected against potential accidents and losses while living in someone else’s home. The small monthly premium may seem insignificant compared to the cost of replacing all of your valuables should something happen during your tenancy – making it well worth considering adding this extra layer of security to your rental agreement.

We Are Here To Help

For more information, give us at Allied Insurance Agency a call today. We are proud to serve the Amarillo, TX area and would be happy to help you find a policy that not only meets your needs but your budget as well. So don’t wait! Call us today! You will sleep better knowing that you are covered in case of an unexpected event.

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.