Are Your Belongings Covered if There’s a Flood?

A flood can cause a great deal of damage to your home’s structure and your possessions within your home. You may not be able to replace items of sentimental value, but you should secure a means of covering replacement and repair costs for your belongings in general. If you’re in the Whitesboro, TX area, our team at SWH Insurance Agency LLC can put together a flood insurance policy to fit your needs.

What Flood Insurance Covers

The average flood insurance policy only covers your home itself up to a certain amount of coverage. This is especially a good idea to have if you reside in an area considered a flood zone as the risk of such an event occurring and causing extreme damage is much higher.

Get an Additional Policy

You’d need to secure an additional policy outside of this to get your belongings covered by insurance. An independent agent can discuss what you’d like to be covered so that you can arrange for the appropriate amount in your policy. Companies have policy packages for such purposes, but you may have this adjusted depending on the company. You should go around your house and create an inventory, including photo documentation and receipts, of items you want to include.

SWH Insurance Agency LLC agents know the in’s and out’s of flood insurance. It can only benefit you to have a solid understanding of what’s not included in a basic flood insurance policy and items you know you’d like to replace. Still, you would be unable to do so if disaster strikes. Be prepared with insurance from our trusted agency that serves Whitesboro, TX, and beyond.

3 Tips for Purchasing Auto Insurance in Texas

We all know it’s mandatory to have auto insurance in Whitesboro, TX. If this is your first time buying auto insurance, you may think you can’t afford it or that the task itself is daunting. However, when you follow the three simple tips outlined by SWH Insurance Agency, LLC below, you’ll see that buying auto insurance is both attainable and hassle-free. Read on to learn more:

1. Work with a Reputable Insurance Agent

For starters, work with a reputable insurance agent to ensure you get a reliable policy for a great price. These knowledgeable agents will ask you a few questions to determine your auto insurance needs and budget and then pinpoint quotes for you to go over. During this time, ask all the questions you want. That’s what the agent is there for – to guide you through the auto insurance buying process hassle-free.

2. Compare Several Quotes

Your trusted insurance agent will help you compare several quotes. We recommend looking at at least three different quotes to compare cost and coverage. The policies are straightforward, and your agent will explain everything to you. Afterward, take as much time as you need to make a decision. We’ll be here when you’re ready. 

3. Bundle Your Policies

Consider bundling your new auto insurance policy with other policies you have to save on your monthly or quarterly premiums. You can do this by bundling under your existing carrier or switching to a new one.

To learn more about purchasing auto insurance in Whitesboro, TX, contact the friendly team at SWH Insurance Agency, LLC today. Our reputable agents are standing by to take your call at 903-564-5216.

How to avoid pet-related damages and injuries at home

According to ASPCA, about half of American homes own a cat or a dog. Others own other types of pets or both. Pet ownership gives you full responsibility and ownership of the animal, which means cleaning their mess and dealing with injuries and damage that come with pet ownership.

Now, if you own an accident-prone animal in Whitesboro, TX, the chances are that you may end up incurring substantial financial losses due to lawsuits, injuries, or property damage. The good news, however, is that home insurance cover pets.

 So, how do you keep them safe? Here are a few ways.

Create a door or window for your pet to pass

Pets have a problem opening our heavy doors and may get hurt in the process. To make entry and exit more comfortable for your pet, SWH Insurance Agency LLC recommends creating a small-sized window or door for your pet to pass every time they want to go out. You can create an opening at the door or next to the door; make sure it is not too high.

Train on biting practices

Puppies and kittens like to bite anything they come across, from furniture to the flowers outside. They can sometimes snip your fingers and leave them bleeding. To control a puppy’s biting ways, you need to train them while young to avoid future accidents with other people.

Teach your pet how to behave with visitors

Pet injuries are common in Whitesboro, TX, and can quickly convert into lawsuits depending on who was harmed. Pets can get agitated with strangers as they see them as potential threats. However, with proper training on approaching visitors, your pet can interact well with the people surrounding them, including friends, neighbors, and strangers.

Looking after your pet well is an essential step in keeping your pet safe and other people around it. It will also help you avoid unnecessary home insurance claims. For more information, feel free to visit us at SWH Insurance Agency, LLC, today.

What Small Business Owners Need to Know About Commercial Insurance

Few things in life can provide as much satisfaction as owning your own business. Along with all of the significant aspects of business ownership, though, comes a great sense of responsibility. Your customers and employees depend on you to provide protection for the business against many of life’s uncertainties. Having the appropriate commercial insurance in place can make this easy. At SWH Insurance Agency, LLC serving Whitesboro, TX, we can help you better understand your insurance options. 

What is Commercial Insurance?

Commercial insurance is a suite of insurance products that can help business owners protect their investments of both time and money. Disasters such as fires, natural disasters, or burglaries can potentially leave your company financially vulnerable. Having adequate insurance in place can help offset the expenses that can be caused by these events. 

What Does Commercial Insurance Cover?

Commercial insurance can be customized for each business owner, but in general, it will cover the following areas:

  • Property Damage: Property damage coverage can be necessary if there is damage to the physical property of your business or to any equipment you use to run your business. Without this vital coverage, repairs or replacement of damaged property will come out of your pocket. 
  • Vehicle Coverage: If you use vehicles to run your business, you will need auto insurance coverage in order to operate these vehicles safely and legally. Commercial insurance for vehicles works very similarly to regular auto insurance, but with some differences, which you can discuss with an insurance representative. 
  • Liability: Liability coverage is essential to the financial survival of your business. If a customer or employee is injured at your place of business or your goods or services, you could be held liable for those expenses. 

If you would like to learn more about commercial insurance, please contact our staff today at SWH Insurance Agency, LLC serving Whitesboro, TX.