Posted by John Coyle on Thu, Apr 08, 2010
Summer is just around the corner!
Those kids are getting ready to get out of school and have made "vivid" plans on how they intend to spend those three precious months...we call summer. If you are like my mom or dad, you are probably preparing the house for the grandkids to come hang out some with grandma and grandpa. Well what we have prepared is a short simple 13 step checklist to make sure your home is safe for all this spring and summer. Hope you enjoy your time this year with your family and here's to a SAFE and HAPPY time with "our families."
Spring maintenance tips....
- 1. Inspect your smoke detectors. Make sure that there is one on each floor of your home. Test them and change the battery every three months or as needed. If you need to order smoke detectors or batteries here are are a couple of great online sources...
Click here ... http://bit.ly/SmokeDetectors
- 2. Check the light bulbs in all your fixtures to be sure that they are the correct wattage as recommended by the manufacturer.
- 3. Replace all high-intensity bulbs (such as halogen) with fluorescent bulbs that don't produce as much heat.
- 4. Check your electrical outlets for potential fire hazards such as frayed wires or loose fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service. Always consult a electrician if you discover any serious problems.
- 5. Keep a multi-purpose fire extinguisher accessible that is filled and ready for operation. For those of you that are like me and sometimes need a little help in what type of fire extinguisher to buy, here is a GREAT website that has "FIRE EXTINGUISHER 101" Tips... http://bit.ly/FireExtinguisher
- 6. Have your air conditioning system inspected by a professional as recommended by the manufacturer.
- 7. Check for damage to your roof and clean gutters and downspouts to keep debris from accumulating.
- 8. Check your water heater for leaks and corrosion.
- 9. Clean and/or replace your furnace filter.
- 10. Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material and cloth.
- 11. In your yard, remove all dead trees and keep healthy trees and bushes trimmed and away from utility wires and roof.
- 12. Safely store oil and gas for lawn equipment and tools in a vented, locked area.
- 13.Repair driveway and walkways that are cracked, broken or uneven to provide a level walking surface.
At Tri-Star Insurance Professionals, Inc., we take a personal interest in our customers. We like to share information that helps you protect yourself and your family from financial loss. If you have any questions, regarding this information or your insurance coverage, please don't hesitate to give us a call phone: 214-387-0600 or e-mail me personally, John Coyle at jcoyle@tristarins.com
Posted by John Coyle on Wed, Jan 27, 2010
Consider Claims Handling When Selecting An Insurance Company in Plano
It’s so easy to get focused on the total premium you will be paying for your homeowner’s insurance and forget all about customer service. Until you have a claim.
When you file a claim and progress through the process, it suddenly matters more to you that you are properly insured than what you are paying.
The Texas Department of Insurance gathers insurance company claims information and makes an annual report. Click on the homeowner’s section and search for the complaint index for claims handling results on each company.
We, Tri-Star Insurance Professionals, represent companies with some of the lowest complaint indexes on the market. If you are concerned about the claims process, talk with one of our knowledgeable agents to be sure you get all the customer satisfaction for the price you currently pay. Contact John Coyle at jcoyle@tristarins.com or call 214-387-0600.
Questions To Ask Our Insurance Professionals Before Purchasing A Homeowners Policy
How long has the company been in business? A company that has been conducting business in Texas for many years is more likely able to handle the current volatility of the economy.
- What kind of policy does the company sell? Is it an all perils or a named perils policy? An all-perils policy will typically cost more because it is a more comprehensive policy. It will cover all perils, or losses, except for the ones specifically stated, such as flood or earthquake. A named perils policy only covers the perils that are named in the policy, like fire, lightening, vandalism and malicious mischief and so on.
- How attentive is the company to policyholder’s needs? Like already mentioned, customer care is an extremely valuable asset at all times. But it becomes increasingly more significant when you must file a claim.
- What discounts are available? Insurance companies will have a variety of discounts available for their clients. Be sure and ask for all the ones you qualify to have. Some of them include: monitored alarm; payment in full; over age fifty; excellent financial responsibility and many more.
- When was the company’s last rate increase? If you are shopping for a company with lower rates you hope that your premiums will stay comparable over a period of time. Weather-related losses that cause widespread damage, such as hurricanes, tornadoes and tropical storms, may have a negative impact on rates the following year.
- Is this a replacement cost policy? If you have a 100% replacement cost policy, you will be able to rest easy in the event you make a claim. The insurance company will assess your damage and determine what it would cost to replace your damaged item(s) with a similar item and reimburse you. If you have an actual cash value policy, an adjuster will assess your damage, then he or she will determine the depreciation (from wear and tear) of that item and your insurance payment will be the difference. Let’s say your five-year-old TV got struck by lightening. It cost $1,500 new. The most similar TV available now costs $2,000. With a replacement cost policy, your insurance company will pay the $2000 to have the TV replaced. What if you had an actual cash value policy? Using the same example, let’s recalculate. Your TV cost $1,500 five years ago. Five years of wear and tear totals $700. Your insurance payment will be $800.
- Who do I contact when I need to file a claim?
Posted by John Coyle on Tue, Jun 16, 2009
In June of 2009 a severe storm produced a series of tornadoes in Flower Mound, TX as it swept across Denton County. Fortunately, the damage confined itself to buildings, fences, trees, and homes and left people safe from harm. However, it is unsettling when violent weather strikes nearby.
If a tornado struck your community are you confident you have enough insurance to cover damage to your home, garage, personal contents and fences?
Straight line Winds Are Often Confused With Tornadoes
A straight line wind refers to wind that comes down out of a thunderstorm. Straight line winds mimic tornadoes in many ways: they can be as large as a tornado, from 20-65 miles wide and 100+ miles long; they produce a lot of rain; and winds can gust up to 150 m.p.h. One way to tell the difference between the two is by studying the direction that debris has scattered following a storm.
Straight line winds push debris in the same direction that the wind is blowing. Tornadoes, on the other hand, scatter debris in every direction because the funnel is rotating violently.
Are you protected from sustained high winds?
Downbursts and Derechos
These are two types of straight line winds. Downbursts occur when rapidly descending rain and rain-cooled air develop underneath a thunderstorm. Wind speeds can range from 100 – 150 m.p.h. on the forward side of the downburst.
Derechos are violent winds that are created by merging thunderstorm cells. They form a wind wall that can extend for many miles and can spawn tornadoes.
Protect Your Most Valuable Asset From Wind Damage
Regardless of whether a severe thunderstorm brings tornadoes or straight line winds, homeowners need to be prepared. Spring and summer are the seasons with the most dangerous tornado threats. Here are a few tips get you prepared:
- Prior to tornado season trim trees. A lot of property damage results from flying debris.
- Keep alert to weather changes in your area. Dark, greenish skies, a cloud wall or storms with large hail are clues that tornado conditions may be present.
- Know the difference between “watch” and “warning”. A tornado watch means that the conditions are right for a tornado to develop. A tornado warning is issued when a tornado has been spotted in your area.
- Keep a National Oceanic and Atmospheric Administration (NOAA) weather radio nearby. It will keep you updated on potentially destructive weather.
- When severe weather is approaching, secure outdoor furniture and equipment against strong winds.
- Be sure you are properly insured.
For more information, contact John Coyle at jcoyle@tristarins.com or call 214-387-0600
Posted by John Coyle on Sun, Jun 14, 2009
You may be paying higher homeowners insurance premiums than you need for the amount of coverage you have. Why? Because insurance companies that offer homeowner's coverage vary in what types of risks they want to write over the course of time. For instance, if they have over-saturated the home owner's market in one region, they may raise rates to balance the amount of exposure they have undertaken.
Are you paying too much?
If you have been with the same company for several years, we will help you discover how your rates compare with the rates of other reputable companies.
A New Study Shows That Texans Pay Higher Homeowner's Insurance Premiums Than Other States
The National Association of Insurance Commissioners released a study in March 2009 showing that the average annual homeowner's insurance premium in Texas, $1409 per year, is considerably higher than the national average of $804. Being a coastal state explains some of the reason that Texans pay more for insurance. However, many companies use factors such as credit scoring or claims history to calculate premium.
Are your rates climbing annually? Are you paying too much?
Some Insurance Companies Offer Less Coverage For The Same Amount of Premium
Since the Texas mold crisis a few years ago, many insurance companies are no longer offering an “all peril” policy for homeowners. This type of policy gives the broadest insurance coverage to homeowners. Some companies offer this policy, also called an HOB, because it gives homeowners coverage from all perils except ones specifically excluded, such as flood, nuclear war or hurricanes. Others offer “named peril” policies (called either an HOA or a broader form of it called an HOA+) that insure against losses from specific incidents, such as lightning, fire, explosion and so on. While the “named peril” policy may save you money, you are also losing a great deal of coverage.
Do you have an HOB policy? Are you paying too much premium for too little coverage?
Do You Have An Insurance Agent Working For You?
Many individuals purchase their insurance through an agent that works for a primary company, such as State Farm, Farmer’s Insurance or All-State. These companies agencies typically can only offer you a small choice of products and are by contract unable to consider other alternatives from different carriers.
At TriStar, we are independent agents that work for you, the consumer. An independent agent sells insurance for more than one company. We are licensed to sell homeowners policies from a wide variety of companies with several types of policies.
How Does That Help You???
We save you the time and hassle of shopping around from company to company.
Here’s what we promise to you:
- We will shop the policy for you.
- We will find the best policy with a premium that fits your budget.
- We will write the policy and handle all the paperwork. All you do is sign.
Are you paying too much for insurance? Do you have time to peruse the insurance market to know?
Contact John Coyle at jcoyle@tristarins.com or call 214-387-0600 and let us at Tri-Star help you find a better solution for your insurance.
Posted by John Coyle on Sun, Jun 14, 2009
The first tropical depression of 2009 occurred in the Atlantic on May 29 and finally dissipated before hitting land. Yes, folks, hurricane season has arrived and it is time to be sure your homeowners insurance is adequate. Memories of Hurricanes Ike and Dolly from the 2008 season are vivid reminders to Texas homeowners of the importance of being properly insured.
Do you have enough insurance coverage?
How Much Home Insurance Coverage Do I Need?
You will want to be sure that you have a replacement cost policy with dwelling limits high enough to rebuild your home in the event of a total loss.
In other words, if you have a custom home, you may want to figure about $125 per square foot of your home to determine replacement cost. If your home is not a custom-built home, use $90 per square foot to calculate.
For instance, let’s say you have a custom-built home with 2500 square feet. You will want to purchase at least $312,500 dwelling coverage.
2,500 square feet x $125 = $312,500
This is an approximation based on average homebuilding prices, but we can get you an accurate figure right now. Just fill in the form below and we’ll calculate replacement cost and how much you can expect to pay for your insurance.
Why Is Replacement Cost So Much Higher Than My Appraisal?
Replacement cost is figured based upon the features of your home. Insurance companies use square footage, special amenities, your location, number of baths and half baths, type of exterior and other factors to help determine replacement cost. They want you to have enough insurance coverage to completely rebuild your home if destroyed. Otherwise, you may have to come out of pocket or downgrade custom features when replacing your home.
Do you have enough home insurance to fully replace the interior and exterior features?
Do You Have Any Tips To Help Dallas/Fort Worth Homeowners Prepare For The 2009 Hurricane Season?
Absolutely. Homeowners can begin making preparations now. Here are "7 Tips To Get Ready For The Hurricane Season Even If You Don't Live On The Coast!"
Tip one: The Federal Emergency Management Agency (FEMA) recommends that every home have a National Oceanic Atmospheric Association (NOAA) weather radio receiver. For best results, purchase one with Specific Area Message Encoding (SAME) technology that will activate both an audible and/or visual alarm when the National Weather Service issues watches and warnings. Receivers should also have “tone alert capability, battery back-up and ability to receive all seven frequencies, according to the NWS.
You can purchase a NOAA weather radio at stores that sell electronics.
Tip two: Plan an emergency escape route ahead of time. Determine your final destination and map out two or three ways of getting there in order to avoid traffic jams.
Tip three: Put together a disaster supply kit. You can find a list at this website.
Tip four: Get your kids involved in the preparations. Children love to help. And if that isn’t reason enough, remember that helping develops confidence and security in kids during a time when they need extra assurance that everything will be okay.
Tip five: Individuals with special needs should make extra arrangements that will give them the extra support needed to be safe. Knowing about public disaster assistance ahead of time may prevent unwelcome surprises during a crisis.
Tip six: Make a plan for your pet. In order to leave a pet at a kennel, their shots must be up-to-date. Kennels may require proof that the animal is fully vaccinated before accepting them. Also, be sure to get an appropriate crate to transport the pet safely.
TIP SEVEN: Keep all your current insurance declarations pages in a folder together in a handy place. We recommend you keep them in a waterproof container while transporting for extra safety.
For more information contact John Coyle at jcoyle@tristarins.com or call 214-387-0600.
Posted by John Coyle on Sun, Jun 14, 2009
Yes, it’s true. Flood is not a covered peril even if you have an “all perils” (or HOB) homeowner’s policy. In order to be covered from floodwaters, you must purchase a separate flood policy written through the National Flood Insurance Program (NFIP).
Many homeowners believe that if they do not live in a flood zone they don’t need flood insurance. However, in 2008, one-third of all NFIP claims paid out went to homeowners in low-risk communities.
Texas Preferred Flood Insurance Is Inexpensive
If you currently live in a low or moderate flood zone (B, C or X), your flood insurance rates are very affordable. The NFIP offers rate packages that you may purchase to protect your home and contents.
|
Building Coverage
$ 30,000
$ 50,000
$ 75,000
$ 100,000
$ 125,000
$ 150,000
$ 200,000
$ 250,000
|
Contents Coverage
$ 12,000
$ 20,000
$ 30,000
$ 40,000
$ 50,000
$ 60,000
$ 80,000
$ 100,000
|
Premium
$ 148,000
$ 196,000
$ 230,000
$ 257,000
$ 277,000
$ 296,000
$ 326,000
$ 348,000
|
f you are renting or if you live in a condominium or town home, you may purchase a contents only policy that runs from $80.00 for $12,000 of coverage up to $201.00 for $100,000 coverage per year. Contact our agents right now for a free quote.
Texas Flood Insurance Costs Less Than A Federal Disaster Loan
Uninsured individuals that suffer water damage from flooding may be forced to take out a loan in order to pay for the destruction to their property. The Federal Emergency Management Agency (FEMA) gives assistance to uninsured homeowners through the purchase of a Small Business Administration loan. This is typically a loan that must be paid back with interest. *For a $50,000 loan at 4% interest, your monthly payment would be around $240 a month ($2,880 a year) for 30 years. Compare that to a $100,000 flood insurance premium, which is about $400 a year ($33 a month).
A Texas Flooding Loss is More Probable Than a Fire Loss
Yes, it’s true. *According to the NFIP, during a thirty-year mortgage, your chances of having flood damage are about 26% compared to a 9% chance of having a fire. In fact, Texas has a long history of surviving major disasters. Since 2000, four hurricanes impacted Texans along with two tropical storms. During this same time, FEMA made eight other major disaster declarations. Flooding occurred in six of those eight severe storms. Altogether, it took more than $3,181,000,000 in disaster assistance to help pay for the damages sustained in only eight years’ time.
You May Pay for a Flood Insurance Policy and Not Be Insured When a Storm Hits
How can that be? Unlike most other lines of insurance business, a flood insurance policy does not go into effect for thirty days following its purchase. That means that by the time a storm is in the Atlantic Ocean and on it’s way toward the United States, it’s already too late for Texans to be insured when it makes landfall. The only exception is when purchasing a home. Your flood insurance goes into effect immediately when you pay your annual premium at your home closing.
Our Agents Keep Homeowners Afloat
When rising water comes your way, your flood policy will keep you financially afloat. Get yours today. Contact John Coyle at jcoyle@tristarins.com or call 214-387-0600.
Posted by John Coyle on Thu, Apr 02, 2009
Tri-Star insurance knows that watching your little one go off to college isn’t easy, but before they walk out the door make sure they are fully prepared for life outside the nest. Not only will you gain peace of mind by thoroughly preparing your student for any complication such as an illness or accident, but you will also be instilling them with the knowledge that being an adult means covering your bases. Tri-Star Insurance Professionals, Inc. located in North Plano and servicing the McKinney, Frisco, North Dallas, Allen and surrounding areas, can help you pick out the right insurance to protect your child as they head off to college. Purchasing auto, health, renters and life insurance policies is something to consider. Through Tri-Star you are offered a choice of rates due to their status as an independent insurance agency.
By representing many different independent companies Tri-Star is able to find the most competitive rates with coverage that will best fit your budget. Independent insurance agencies such as Tri-Star have the ability to represent many different companies such as Travelers, Kemper, Hartford, Safeco and Germania. The difference between an independent agency and a captive agency such as Farmers, Allstate or State Farm lies in the fact that agents from a captive insurance agency can only represent the company where they work. Tri-Star agents always work hard to find you exactly what you need.
If your son or daughter will soon be attending college and you need to start thinking about their safety consider the following:
Dorms – Living in a dorm is a trip, and not always a good one. Aside from noisy neighbors, small spaces and annoying roommates, dorm rooms are often subjected to the theft or damage of personal items. No specific insurance coverage is offered for dorm rooms, but in many cases a renter’s insurance policy can be applied towards dorm rooms. As many times students reside in college rental properties, renter's insurance can come is handy there as well.
Valuables: Your student probably wants to transfer the entire contents of their room to college no holds barred, but before calling a moving squad, remember that aside from the essentials, your student won’t really need that Plasma T.V., diamond necklace and high-end sound system to survive. In fact, expensive and irreplaceable items have no business in a college setting, as it will most likely end in heartbreak. According to the College Student Safety Organization, the top ten most stolen items include: iPod, cell phone, laptop, bicycles, jewelry, books, cash, televisions, credit cards and debit cards.
Driving: Imagine the many trips home that your student will be making during his/her time away at school. Whether residing just down the road or across state lines, having adequate auto insurance will keep them covered in the event of an accident.
Well-being: College is not known for inspiring cleanliness and healthy living. Very few college students get at least 7 hours of sleep a night and take their vitamins without fail. That being said, health insurance could save you or your student from paying hefty doctors fees.
For more information contact John Coyle at jcoyle@tristarins.com or call 214-387-0600.
Posted by John Coyle on Tue, Mar 31, 2009
After the Rain has Fallen: Flood Damage Solutions
Not a force to be reckoned with, floods occur in every state, regardless of the elevation level. In fact, 25% of all floods occur outside of high-risk areas that are not considered flood prone. That being said, many people find out too late that their home is in danger of flooding and end up paying thousands in costly repairs. Flood or water damage comes in the form of soggy floors, rotting wood, rusting metal, mold, mildew and more. An unfortunate truth is that your homeowner’s insurance policy does not and never will cover flood loss to your home and contents. You can however, take out a flood insurance policy that will cover the cost of repairs, belongings and cleanup. Tri-Star Insurance Professionals Inc. located in North Plano and servicing the North Dallas, Frisco, McKinney, Allen and surrounding areas, offers Texas flood insurance policies to renters and homeowners. Tri-Star flood policies protect you and your loved ones from flood damage caused by overflowing tidal waters, surface water accumulation and river overflows.
Flood-Zone.net is a leading website dedicated to providing accurate flood facts and tips that will keep you one step ahead of a storm. If ever you are the unfortunate victim of a flood there are many post flood steps you can take to ensure that your home suffers as little damage as possible.
Tread Carefully: If your home is still full of standing water after a flood, watch your steps as you enter. Wearing rubber boots will save your feet from sharp objects such as broken glass. Turn off the electricity at the breaker box and move electrical cords to higher ground.
Toss Out: Cleanup begins by getting rid of permanently water-damaged goods such as rugs, photographs, food, books and mattresses. Items that absorb water may be prone to mold infestation and need to be disposed of properly. The Environmental Protection Agency (EPA) suggests turning to professionals for hazardous waste disposal.
Dehumidify Dry: Standing water can be removed using a portable submersible sump pump and a wet dry vacuum. After eliminating most of the water, a low temperature dehumidifier can be used to dry floors and walls. Open windows for ventilation and to deter the growth of mold spores.
Do-it-yourself cleanup is smart, but taking out a flood insurance policy is smarter because it will cover professional repair and cleaning leaving no room for problems down the road. Even if you already hold a flood insurance policy in Texas or are looking for one that will fit your budget, Tri-Star can help you find a policy that won’t break the bank. As an independent insurance agency, Tri-Star Insurance can represent other top companies such as Travelers, Germania, Safeco, and Kemper when looking for the most competitive rate.
For more information Contact John Coyle at jcoyle@tristarins.com or call 214-387-0600.
Posted by Roger Harkins on Thu, Mar 05, 2009
Spring in Texas is known nationwide for warm temperatures, fragrant blooms and severe weather. Located smack dab in the middle of Tornado Alley, Texas is the prime location for tornadoes and violent thunderstorms to enact revenge upon your property, whether it be your home, automobile or business. Texas storms have the potential for high winds, hail and flooding rains. If you are affected by spring storms in the Dallas area, there are several steps you can take to ensure that you don’t come out worse for wear.
Stay Informed: Texas storms are famous for popping up out of the blue. The Texas Severe Storms Association works hard to understand dangerous storms so that meteorologists can better predict and track inclement weather. With their help, weather centers in Texas can keep you in the know. The National Weather Service is the best place to find current weather information for all fifty states. Even your local radio or news station will have current weather updates and can offer you assistance through their call-in helplines.
Secure your property: Storm windows, clear gutters and a mess free yard are just a few of the things that may keep you safe during a storm. Trimming back tree branches and bushes can reduce the potential for broken windows and downed power lines. Placing a tarp over your vehicle should help to eliminate or cut down on hail damage.
Contact your insurance company: Before you get caught in a storm, call your insurance agent to make sure you are fully covered. There is no price you can put on your family’s safety, but if you are worried that you will end up paying too much for proper coverage, let Tri Star Insurance Professionals, Inc. of North Dallas, Allen and Frisco show you otherwise. Tri Star carries a wide selection of products such as homeowners insurance and flood insurance intended to keep you covered if you have or may end up suffering from severe storm damage. Tri Star also offers a wide selection of insurance products including auto, business, renters, flood, condo, individual and group health insurance, and personal and group life insurance.
As sticklers for excellent customer service, Tri Star will help you find a policy that fits your needs and your budget. Tri-Star Insurance has the ability to offer you an affordable price due to their status as an independent insurance agency. Independent agents have the ability to represent other companies such as Travelers, Kemper, Hartford, Safeco and Germania to find you the most competitive rate available. With Tri Star Insurance, you have a choice.
Don’t let bad weather get the best of you by contacting Tri Star Insurance Professionals, Inc. before it’s too late. Tri-Star has weathered many storms with their clients throughout the years and will be here if you need them before and after the rain has fallen. Pick up the phone and call 214-387-0600 to speak to an agent or go online and visit www.tristarins.com today! Fill out and submit the form below for more information.
Posted by John Coyle on Thu, Feb 26, 2009
According to the Texas Workforce Commission, the Texas unemployment rate has risen to 6.0 percent in the last few months, with the overall U.S. average hitting 7.2 percent. The U.S. Bureau of Labor Statistics shows that forty-eight states have registered over-the-year increases in average weekly layoff claims.
Though the unemployment rate of 6.0 percent is lower than a number of cities around the nation, many workers in Texas are still feeling the hurt. If you’ve lost your job due to a layoff or company downsizing you are probably looking for ways to save money. You can start by skipping the Starbucks in the morning or eating at home versus going-out. You may even have to postpone that trip to Hawaii this year and put your money to a better use. Changing little things like that here or there won’t radically affect your lifestyle, but make sure not to do anything drastic. One of the worst things you can do is pare down your insurance policy just to save a few bucks.
After losing your job, your newly acquired frugal state of mind may lead you to ask yourself “Do I really need so much homeowners coverage?” or “Would it really be such a big deal if I had less health insurance, it’s not like I’m sick right now.” It may be tempting to lessen your policy, but insurance is something that cannot be taken lightly as it may just save you thousands of dollars in the event if a disaster.
If saving as much money as possible has become a necessity and you feel strongly about obtaining a new, more affordable insurance policy, turn to a truly Texas agency. Tri Star Insurance Professionals, Inc. servicing the North Dallas, Frisco, McKinney, Allen and surrounding areas, is familiar with the Texas economy and can find you a policy or a bundle of policies that won’t break the bank.
Tri-Star Insurance carries a wide range of products including auto, home, renters, flood, condo, individual and group health insurance, personal and group life insurance policies, and all areas of business insurance. Not only is Tri Star native to Texas, but also a proud member of the Independent Insurance Agents of Texas, which is an organization for the state’s leading independent insurance agencies.
The difference between an independent insurance agency and a captive agency such as Nationwide, Allstate or State Farm is that captive agents can only provide you with the rates offered by their company. Independent agents can represent multiple companies such as Germania, Kemper, Hartford, Travelers and more to find you the most competative rate.
When money is tight, don’t let having ample insurance become a thing of the past. If you’ve lost your job and need to reevaluate your current insurance policy, let the dedicated team at Tri-Star Insurance work hard to find you an affordable insurance policy that covers all your bases. Contact Tri-Star Insurance Professionals, Inc. today at 214-387-0600 or visit www.tristarins.com. Fill out and submit the form below for more information.