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2511 S Arthur St,
Amarillo, TX 79103

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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.   

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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!

How Can I Find The Right Renters Insurance Policy For Me?

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The first thing you should do is check your current homeowner’s insurance policy to see if it already provides coverage for rental properties. If it does, then you can use it for your tenants and their belongings. 

Renters’ insurance policies are similar to homeowner’s policies. That’s, they provide a set of benefits that can help cover the costs of replacing the property or paying for other losses related to the property. Allied Insurance Agency in Amarillo, TX is here to assist you.

Getting the Right Renters’ Insurance Policy 

The cost of a renters policy will vary depending on a number of factors, including the value of the personal items that the policyholder wishes to protect and the location of the policyholder’s residence. 

You should also think about whether or not your renters’ insurance policy will cover any liability issues related to your tenants living in your home and their actions while they are there. For example, if something happens while they are staying at your house and they are injured or someone else is injured as a result of their actions. Then, it may be covered by this type of policy. 

If you can only find affordable policies, then that’s a good start. As soon as you discover that you have a higher deductible, then you need to start looking at the deductible portion of the policy. The amount of money you will need to make will depend on several different factors. For instance, your total income, the length of time you need the insurance, and the value of your home. 

You can find a vast range of policies online or through an agent, but it’s also a good idea to visit the insurance company’s website to learn about their policies and benefits. You can also ask your agent or landlord if they have a website where you can buy the policies. 

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The best policies will cover all of your expenses, make sure you are protected from start to finish and have prompt payment options. For services in the greater Amarillo, TX community, consult with Allied Insurance Agency.

What Are The Most Common Auto Insurance Mistakes?

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Most people make a few common auto insurance mistakes, which can cost you dearly. Improperly estimating your risk may cause you to receive a higher premium. Not letting your carrier know if there are any factors that may increase your risk may cause you to receive a higher premium. Not setting up an auto insurance policy that fits your needs may cause you to receive a higher premium. Consult Allied Insurance Agency in Amarillo, TX for expert help. 

What Do the Auto Insurance Mistakes Entail 

Most people make one or two simple mistakes when it comes to their auto insurance. By taking a few seconds to reflect on your own situation, you may be able to identify what you did or did not do that caused your current auto insurance situation to be what it is now. 

Ensure you are familiar with your coverage and know what is and is not covered. Most people make small, inconspicuous mistakes that eventually add up to a larger financial burden. Common mistakes include: 

  • Signing up for the wrong type of coverage
  • Getting hit with a high deductible
  • Ending up with the wrong coverage at the wrong time
  • Not keeping up with your car’s insurance
  • Not keeping your information correct on your policy
  • Not keeping your car in good working order
  • Not reading your policy before buying or updating it when necessary.
  • Not knowing your state’s requirements for car insurance.
  • Not comparing car insurance companies to find the one with the lowest rate.
  • Not purchasing enough car insurance.

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Learning about the common mistakes that people make with their car insurance will give you the upper hand if you find yourself in a situation where you’re trying to get the wrong information. Most people make at least one of these common mistakes when it comes to buying or renewing their car insurance policy. For help in Amarillo, TX, call Allied Insurance Agency.

How Can I Get The Best Deal On Motorcycle Insurance?

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Motorcycle insurance premiums depend on the risk of the bike and the rider. If you have the lowest risk profile, shop for a good deal. Before you buy a bike, what you do can also significantly affect your insurance premium. Buying a bike from a dealer can lower your premium, but buying it from a private seller without a bill of sale will likely raise your premium. 

Selecting the right rider profile on your policy can reduce your premium. Keeping your bike maintained and storing it in a secure location will lower your premium. For questions, Allied Insurance Agency can help. The agency gladly serves clients in Amarillo, TX and surrounding areas.

How to Go About the Best Deal 

Shopping around and comparing different companies will help you get the best deal on motorcycle insurance. When involved in an accident, it protects you from uninsured/underinsured motorist coverage. You may also consider opting for a guaranteed replacement cost coverage policy. It will ensure you’re covered for the full cost of replacing your motorcycle if it is damaged or stolen. 

Most insurers have discounts for clean driving records for a certain period. Motorcycle insurance usually costs much less than car insurance, but it’s important to ensure that you’re covered in an accident. Ensure you’re buying the right policy for your needs. 

You can get a better rate if you are a meticulous rider, you maintain your bike, and keep up with required maintenance. You can acquire a lower rate if you are younger or have a larger motorcycle endorsement on your insurance policy. Most insurance companies offer a multi-line discount that reduces your premium if you have car and motorcycle insurance. 

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Motorcycle insurance is not one-size-fits-all. Most providers allow you to pick from various levels of coverage to suit your needs. Be sure to shop around and compare the various policy options, coverages, and deductibles to find what suits your needs at the best price. It’s also important to maintain good motorcycle insurance policy history. Accumulating a few violations or claims can increase the rate. For help and advice, call Allied Insurance Agency in Amarillo, TX for the best services.

Types of Homeowner’s Insurance

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When looking at insurance for your new home, you may have many questions. Even worse, each plan is different, so it can be hard to figure out what you need and don’t need. Before you even get started, Allied Insurance Agency in Amarillo, TX encourages you to study the following: 

Types of Homeowner’s Insurance

HO-1, otherwise known as basic form insurance. This protects your dwelling only. 

HO-2 is broad form insurance. This is better than basic because it also covers your personal possessions and additional perils.

HO-3 is the most common type of homeowner’s insurance. It covers the dwelling, your belongings, and even liability. This will protect you if anyone is injured at your home.

HO-4 is commonly known as renter’s insurance. It covers your possessions and liability, with no dwelling.

HO-5 is comprehensive insurance. This is usually only given on homes that were just built. It covers more than the typical homeowner’s insurance policy. 

HO-6 is also known as condo insurance. It covers the condo, as well as passions, and liability. 

HO-7 is insurance for mobile homes. It is similar to the standard homeowner’s insurance, but for mobile homes.

HO-8 insurance is for homes that are older and historical. If you are looking at an old home that has some character, you might need this type of insurance. 

Homeowner’s insurance comes in many forms, depending on what they protect (and what you need). If you are a renter, you won’t need to worry about the building, just liability, and your things. If you have a condo or a mobile home, there is specific insurance for each of them. 

In order to get the right insurance, you need to talk to a professional. Don’t hesitate to contact us today at Allied Insurance Agency in Amarillo, TX. 

Is renters insurance required in Texas?

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Texas is a young state compared to some others in the country. It is also very popular and has people moving there in droves. Luckily, Texas has a lot of rentals so that people can move and find a place to stay easily. At Allied Insurance Agency in Amarillo, TX, we are independent insurance agents who offer not just home insurance, but renters insurance and we are happy to explain all the benefits to our customers. 

Renters Insurance Facts

In Texas, renters insurance is not required by the state; however, it may be required by a landlord or management company. You will know whether it is required when you sign your lease. 

You may wonder why anyone should require you to have renters insurance. What does it have to offer? Doesn’t your landlord or management company have insurance? When it comes to your landlord or management company, they surely do have insurance, but it will not help you if the rental is damaged. They are only insured for their property, not yours. 

Renters insurance offers quite a lot of coverage for renters. It protects your content, offers liability coverage, and provides loss of use protection. These make a really big difference if your rental is hit by a covered hazard. 

Have you ever considered how you would replace all the things you own if, for instance, you had a fire in your rental? Imagine having to start again with only the clothes on your back. Would you have the finances to be able to do that? Where would you stay if your rental was so damaged you couldn’t live there? How would you pay for injuries to someone injured at your rental or by a member of your family away from the rental? 

If any of these are difficult, renters insurance is an option to consider. Contact Allied Insurance Agency in  Amarillo, TX to discuss renters insurance. 

A Look At 3 Key Parts Of Auto Insurance

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Allied Insurance Agency serves the Amarillo, TX community, as well as the surrounding areas. We are an independent agency. We are committed to helping our clients find the coverage they need to protect themselves in any situation. Working with multiple carriers allows us to offer our clients flexible policies that align with you and analyze your situation. This allows us to help you find coverage that evolves as your life changes.

3 Key Parts Of Auto Insurance

Accidents can occur at any given moment while you’re out on the road. That’s why auto insurance is such a valuable asset. Auto insurance covers you if an issue arises while you are out on the road. Auto insurance is a unique type of coverage in that there are a lot of variables that make up the policy. Let’s take a closer look.

Liability Coverage

Liability coverage protects you if your vehicle accidentally injures someone or damages their property. Perhaps you take your eye off the road for a split second. Suddenly your vehicle hits another one, causing rear-end damage. Liability coverage will protect you in these situations.

Collision/Comprehensive

Collision insurance covers you if your vehicle is damaged due to an impact with another object. Your vehicle is protected, so you won’t have to worry about handling the repairs. Comprehensive coverage protects your vehicle if you are a victim of theft or someone vandalizes your car. You’re also covered if severe weather moves through the Amarillo, TX community and damages your vehicle. 

Additional Coverage

You can amend your auto insurance policy to add extra coverage. Emergency roadside assistance is recommended. Perhaps you are traveling somewhere, and your vehicle suffers a flat tire or your engine starts having trouble. You will receive immediate roadside service.

Allied Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about auto insurance.

Top 5 Safety Tips for Motorcyclists

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Riding a motorcycle is not for the faint of heart and on a busy roadway, your ride can become a nightmare in rapid fashion. From dodging pedestrians to merging onto a slippery line to avoiding distracted drivers, being a motorcyclist requires patience, diligence, and a keen eye towards safety. 

Watch the Mirrors

Paying attention to the head movements of drivers in front and behind you is one of the best ways to anticipate their next move. Since we started driving, motorists are taught to turn their head in the direction that they are turning before doing so to be sure it is clear of oncoming traffic. 

Be Diligent at Off-ramps

Drivers that decide to exit at the last minute either because they are cutting traffic or about to miss a turn, spell disaster for motorcyclists. Never position yourself between a vehicle and an offramp.

Finger on Brake

When on a motorcycle in traffic, you have to react quickly and not fumbling for the brake or pedal is imperative. To minimize lag and maximize your reflexes, always keep a finger near the break level and your right toe within close proximity to the rear brake pedal. 

Dress Appropriately

Not only should motorcyclists wear safety equipment, but also wear clothes that allow drivers and pedestrians to see you from a distance. Avoid all-black attire and switch to gear that is brightly colored so that you are easily noticeable. 

Know the Road Surface

In addition to scanning for obstacles, vehicles, and pedestrians motorcyclists should also keep an eye on the asphalt condition. Look for shiny pavement as this could be a sign of spilled oil or fuel along with gravel and sand. 

At Allied Insurance Agency in Amarillo, TX our talented and friendly team of insurance professionals are ready to answer all your motorcycle insurance questions. Give us a call to learn more. 

How to Ride With Peace of Mind With Motorcycle Insurance

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There are plenty of reasons to get motorcycle insurance, but the most important reason is that it allows you to ride with peace of mind. For motorcycle riders living in Amarillo, TX, the thrill of cruising the highway or participating in motorcycle activities should never be ruined with worried thoughts about the unexpected. Allied Insurance Agency is here to give you the peace of mind you need to enjoy your motorcycle safely. 

What Motorcycle Insurance Can Do for You

Some riders believe that motorcycle insurance is not that important, but they couldn’t be more wrong. In Texas, every rider must carry motorcycle insurance. There’s a reason for this, and it’s for your own benefit. By having motorcycle insurance, you not only protect your investment, but you remain compliant with the law and avoid paying expensive fines. Motorcycle insurance also protects you from liability issues, so you can ride with peace of mind wherever you go.

What Allied Insurance Agency Can Do for You

Motorcycle insurance comes with various benefits, but that’s only if you’re dealing with the right insurer. Allied Insurance Agency can help you if you’re in Amarillo, TX. We are always happy to give you value for your money and to take the stress off your shoulders by giving you the most suitable coverage for your needs. 

Get in Touch With Allied Insurance Agency Today for Motorcycle Insurance In Amarillo, TX 

Your peace of mind is the most valuable thing to have when out and about on your motorcycle. That’s why you need to prepare for the unexpected to avoid financial loss. From here, the next course of action is to get in touch with us to learn more about motorcycle insurance in Amarillo, TX. Once you discover what we have to offer, you’ll be in a hurry to sign up for our services. So contact us today to get started!