Umbrella insurance is not just something you need on a rainy day, but it’s also not usually something you think about when the summer sun is shining and the pool is glistening with cool, refreshing water. Pool party. Now that’s what you’re thinking. What better way to enjoy the Texas heat than with a rockin’ pool party full of barbecuing, swimming and children playing? That’s all fine and good, but another less fun aspect to planning the ultimate pool party is thinking about safety. No matter how nice, a pool or outdoor area is an accident waiting to happen. Pool-related injuries such as slipping or even drowning are more common than you think. Making sure your pool party is safe for all your guests is essential, but you cannot be everywhere at once. You need protection, but don’t count on Spider-Man.
You need an umbrella, but not one with polka dots. Tri-Star Insurance located in North Plano and servicing the McKinney, Frisco, North Dallas, Allen and surrounding areas, can equip you with an umbrella insurance policy that will keep you covered wherever you go. Umbrella insurance, or personal liability insurance, is a form of supplemental insurance that covers you in the event of an accident, which can result in untold damages or even a lawsuit.
For example, say you fall asleep at the wheel, or have a party where a guest gets hurt on your property. You as the homeowner will be liable for any damages. Your home or auto policy offers some liability, but it may not be enough. In the case that your other insurance policies’ liability limits have been exhausted, umbrella insurance takes over. If you don’t have any, then you may end up surrendering your personal assets to pay out a lawsuit. In some cases even wage garnishment is put into effect. Sounds scary, right? It’s not something to take lightly, especially if you are planning to have guests over for a summer pool party.
The agents at Tri-Star can get you a personal liability insurance policy tailored to fit your needs and your budget. As an independent insurance agency, Tri-Star Insurance is able to find the most competitive rates available by representing companies such as Travelers, Kemper, Hartford, Safeco and Germania. The difference between an independent agency and a captive agency such as Allstate or State Farm is that agents from a captive insurance agency can only offer consumers the rates of the companies where they are employed.
Safeguard yourself from potential pool mishaps by:
- Setting up a fence or barrier around the pool
- Never leave children under 15 unsupervised
- Do not let anyone swim alone
- Keep floatation devices in and around the pool
Keep your party safe and hoppin’ with umbrella insurance from Tri-Star Insurance. For more information about personal liability insurance contact John Coyle of Tri-Star Insurance Professionals, Inc. at 214-387-0600 or email@example.com
Forget checking and rechecking expensive quotes for motorcycle and scooter insurance in Texas and go with an agency that can compare prices for you such as Tri-Star Insurance Professionals, Inc. As members of the Independent Insurance Agents of Texas organization, Tri-Star Insurance has the ability to represent fellow independent agencies when searching for an insurance policy rate. With Tri-Star, competitive rates are the name of the game. With your personal needs in mind, agents won’t rest until they find a competitive motorcycle or scooter insurance rate that fits your budget and lifestyle.
Insuring your motorcycle or scooter is not only extremely important, but also mandatory under the Road Traffic Act (1988) in the state of Texas. Without adequate coverage, you risk not only injury but also a fine if pulled over by the authorities. If you get into an accident where you are at fault without proper motorcycle or scooter insurance, you will be liable for any bodily injury or property damage that occurs. There are several reasons why motorcycle or scooter insurance is essential, but the bottom line is that you have to have it at all times when riding. So why not get it from an agency that will help you save money without sacrificing coverage?
Here are three important components of motorcycle or scooter insurance coverage to consider when purchasing coverage: (other coverages are available)
Liability – Though not a pleasant thought, motorcycle accidents happen more than any other vehicle accident. Having adequate insurance offers great security because liability insurance coverage for your motorcycle or scooter covers property damage and injury to others in the event of an accident. Coverage may even include, depending on the laws in your state and the company issuing the policy, guest passenger liability that provides protection for passengers riding with you.
Collision – Unlike liability insurance for your motorcycle or scooter, collision insurance covers damage to the vehicle itself. If an accident occurs, the insurance covers the cost of repairs up to the book value of the vehicle before the accident.
Comprehensive – Collisions aren’t the only reason your motorcycle or scooter may end up no better than a hunk of junk. Fire, theft or vandalism of your two-wheel vehicle is just as likely as an accident. As with collision coverage, insurance covers the cost of damages up to the book value of the vehicle. After market accessories such as chrome parts, custom paint and sidecars are not covered with a standard policy.
For more information contact John Coyle at firstname.lastname@example.org or call 214-387-0600.
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 email@example.com or call 214-387-0600.