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Comprehensive Auto Insurance: Big Coverage for Big Cars in Tyler, TX

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Navigating the urban streets and mazes in Tyler, TX, can be daunting for motorists driving oversized trucks, pickups, and SUVs. Ensuring your vehicle with the best auto insurance available can provide maximum protection for Lone Star State motorists.

Learn more about the benefits of comprehensive auto insurance coverage in Tyler, TX, from the insurance professionals at EasTex Insurance.

Liability Insurance Offers Basic Protection

Texas motorists who opt for state minimum liability insurance meet the basic requirements for legally operating a vehicle on public roads within the state of Texas. However, the downside of liability-only insurance policies is that they provide limited coverage for drivers and vehicles.

Liability insurance policies shield drivers from outrageous out-of-pocket expenses that can occur in an at-fault car accident. While basic insurance policies help drivers save on the high costs of legal liability claims, property damage claims, and claims for medical expenses, they do not cover the costs for repair or replacement of your vehicle when it has been in an accident.

Comprehensive Auto Insurance Equals Big Coverage

Truck and SUV drivers who want to ensure total protection of their vehicles opt for insurance policies with comprehensive and collision coverage. This heightened level of coverage offers protection for auto collisions, vandalism, theft, damages from natural disasters, and animal collisions. Comprehensive coverage adds another layer of protection, encompassing non-collision-related incidents that normally result in high repair or replacement costs for local drivers.

A licensed and knowledgeable insurance agent at EasTex Insurance can assist local drivers in choosing the most suitable comprehensive insurance coverage for their needs.

Starting a comprehensive auto policy is as simple as reaching out to your trusted local insurance agent, sharing details about your driving history and budget, and receiving a quote today!

What to Know About Burial Life Insurance

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Burial life insurance doesn’t offer the same benefits as a regular life insurance policy. However, if you are getting on in years and have a limited income, this form of insurance may be just what you need. 

What’s Covered by Burial Life Insurance?

As the name implies, the main purpose of a burial insurance policy is to cover funeral costs. This form of insurance can compensate your beneficiaries for expenses such as a burial plot, headstone, body transportation to and from a burial plot, flowers, cremation, and urn services. Furthermore, burial life insurance can cover debts you left after your passing. These include credit card bills, legal service bills, medical bills, and outstanding debts such as a car or mortgage payments. 

If you die within two or three years of buying the policy, your beneficiaries will only get a refund for your paid premiums, plus a bit extra. However, if you die once the policy comes into effect or are killed in an accident, your loved ones will get full benefits. Residents of Tyler, TX should read a policy carefully to know what’s covered and when coverage starts. 

Get Expert Insurance Advice from EasTex Insurance

EasTex Insurance has served Tyler, TX, residents for over forty years. We can help you explore your policy options, understand the pros and cons of each one, and pick the forms of coverage that will best meet your and your family’s needs. Get in touch with us today to start the process of selecting an insurance policy that will provide your loved ones with the financial help they need and deserve when you pass on from this life.

What Are Five Popular Add Ons for Home Insurance?

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Also called riders or add-ons, home insurance endorsements are additions to standard home insurance policies. They provide extra protection for certain items or risks. Common endorsements to consider adding to your policy through EasTex Insurance in Tyler, TX, include the following.

  • Scheduled Personal Property: This endorsement provides coverage for specific high-dollar items such as jewelry, art, or antiques. These items typically have limits under a standard home insurance policy, so scheduling them separately ensures that they are fully covered in case of damage.
  • Flood: Generally not covered under routine policies, some states in storm damage-prone areas require a special policy. Protect property with flood insurance regardless of the area.
  • Water Backup Coverage: This endorsement may cover damage caused to personal property, such as electronics and furniture, due to water backing up; water backup coverage can also cover certain structural damage like walls and floors, but a deductible must be covered first.
  • Earthquakes: This endorsement covers homes if the earth shakes and damages the home or its contents. Those in areas where earthquakes occur occasionally or more frequently, such as California, should consider adding this coverage to their standard insurance policy.
  • Identity Theft: While becoming increasingly popular, identity theft can be costly and time-consuming to correct. This rider covers theft-related fees for goods and legal fees. Eliminate these concerns with ID theft protection from your insurance provider or an outside source.

Looking For Insurance For Your Home?

If so, contact the experts at EasTex Insurance in Tyler, TX, to learn more about coverage options and endorsements. We will help you determine the right policy and add-ons for your home and keep you apprised when it’s time to update or review your policy for optimal protection.

What Should You Look For In Classic Car Insurance

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If you are a lucky classic car owner, you should understand how to treat your precious vehicle the right way. For example, you should ensure the right coverage to protect it. Classic car insurance is the specific type of insurance designed for classic cars. Here is what you should look for in this type of insurance:

  • What is covered by classic car insurance? A standard classic car insurance policy usually provides bodily injury liability coverage, property damage liability coverage, uninsured/underinsured motorist coverage, collision coverage, and comprehensive coverage. Do you need extra protection to be super safe while driving your precious car? Get one of the optional coverages that can be added to your standard insurance. 
  • What is excluded from the policy? Your car insurance probably has certain limitations, which you should know. For instance, it probably does not cover your classic car if you use it for everyday commutes and regular errands. In addition, most classic car insurance policies have mileage limitations. 
  • The type of car you have. Keep in mind that not every car is considered classic. A classic vehicle is usually unique or rare and of special historical interest. It is also different from an antique car, which is defined as a vehicle that is at least 25 years old. 

If you are a classic car owner living in Tyler, TX, or any other nearby town in Texas and looking for classic car insurance, EasTex Insurance is here to help. We specialize in different types of insurance, including classic car insurance. Feel free to reach out to EasTex Insurance, and we will be glad to answer all of your questions and provide the information you need. 

What Really Is Umbrella Insurance?

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Insurance policies can often raise questions, and one such policy is umbrella insurance. EasTex Insurance is committed to unraveling the mystery behind this key coverage for residents of the greater Tyler, TX, area.

What is Umbrella Insurance?

Umbrella insurance provides an additional layer of protection beyond the limits of your basic insurance policies. It offers additional liability coverage to secure you from significant financial losses if you’re involved in a lawsuit or claim.

The Coverage Extent of Umbrella Insurance

Umbrella insurance kicks in when the liability coverage of your standard policies is maxed out. For instance, if you’re deemed accountable for an accident and the damages exceed your auto insurance’s liability limits, your umbrella insurance steps in to cover the remaining costs up to its policy limits.

The Versatility of Coverage

Umbrella insurance does not limit itself to car accidents; it extends to various circumstances, including personal injury claims, property damage liabilities, and even lawsuits arising from incidents on your property.

Who Should Consider Umbrella Insurance?

While all individuals can benefit from the added shield that umbrella insurance offers, it’s particularly advantageous for people with considerable assets to guard or those with a higher risk of lawsuits, such as landlords, business owners, or high net-worth individuals.

Peace of Mind

One of the most significant advantages of umbrella insurance is the peace of mind it provides. Having that extra layer of financial protection in case of unforeseen incidents can alleviate stress and worry.

Umbrella insurance can be a valuable safeguard for residents of the greater Tyler, TX area, extending liability coverage beyond basic policies. If you’re exploring how umbrella insurance can protect your assets, contact EasTex Insurance today.

Auto insurance FAQs

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At EasTex Insurance in Tyler, TX, our team understands auto insurance, and we ensure all our customers’ questions and concerns are answered. 

What is comprehensive coverage?

Comprehensive coverage is also known as non-collision coverage. It covers many things that can damage your vehicle, including a collision with another vehicle. It includes theft and vandalism. It protects your vehicle from damage due to floods, high winds, and hail. It also includes glass coverage. It does cover collisions with large animals like deer as well. 

Does my auto insurance cover someone else driving my vehicle?

Yes, your auto insurance is on your vehicle. It will cover other people who may be driving your vehicle. If you drive someone else’s vehicle, you are covered by their insurance.  

How much liability coverage do I need?

The amount of liability coverage that you need is a personal decision. It depends on what you have for assets you need to protect from legal judgments against you. Every state mandates the minimum amount you are required to have, and you can go much higher if that makes sense. 

If my car is damaged, will I get a rental car?

Rental car coverage is an additional coverage that you can add to your policy. It can be beneficial if you get into an accident and you cause the accident. If the other party caused the accident, their insurance should pay for your car rental. 

What is basic auto insurance?

Basic auto insurance is the minimum amount of coverage the state requires to drive legally. In Texas, this is 30/60/25, which protects other drivers and property from damage where you are responsible.

Give our office at EasTex Insurance in Tyler, TX, a call with all your auto insurance needs. 

Shop Smart, Insure Smarter: Tips for Purchasing the Right Umbrella Insurance Policy

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EasTex Insurance is your go-to agency in Tyler, TX, committed to safeguarding your assets and ensuring peace of mind. Today, we’re shining a light on the often-overlooked umbrella insurance and offering tips to help you make an intelligent purchase decision. Living in the vibrant community of Tyler, unforeseen events can disrupt the tranquility of our lives. An umbrella policy, extending beyond your existing coverage, provides an extra layer of protection for your home, vehicles, and other valuable possessions. Here’s more information about choosing the right policy.

Here are vital tips for purchasing the right umbrella insurance policy:

  1. Asset Evaluation: Take stock of your home, vehicles, and valuables to determine your needed coverage amount. EasTex Insurance in Tyler, TX, can assist in assessing the value of what matters most to you and what you are trying to protect the most.

  2. Liability Risks: Consider potential risks such as car accidents or property incidents. As a general rule of thumb, the more liability risks you have, the more coverage you may need. An umbrella policy from EasTex Insurance provides additional liability coverage, protecting your finances in case of a lawsuit.

  3. Coverage Limits: Our team in Tyler, TX, will guide you through coverage limits, tailoring a policy to meet your unique needs. This helps to ensure you’re not exposed to unnecessary risks and are as protected as possible.

Now is the time to act and fortify your insurance portfolio. EasTex Insurance, proudly serving the greater Tyler, TX area, is here to guide you through the process. Call us today to learn more about purchasing the right umbrella insurance policy for your needs. Insure smarter with EasTex Insurance, where protection meets peace of mind.

How to Find Great Auto Insurance

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Finding the perfect auto insurance company can sometimes be challenging. Not only are there many different agencies available, but each offers different rates, coverages, exclusions, and more. However, if you’re a Tyler, TX resident, you have insurance agencies like EasTex Insurance available that can make choosing easy. Here are some tips for finding the best auto insurance:

Determine Your Needs

Not all insurance companies are the same, so you need to determine your needs before you can start looking. Do you need something beyond typical auto insurance? Classic car insurance? Insurance after a DWI? If any of these circumstances apply to you, seek out a company that can meet your needs. 

Don’t Settle for the First Choice

While it might be easy to settle for the first choice you come across, the first choice might not necessarily be the cheapest or offer the coverage you’re seeking. Take the time to perform a bit of research so that you can find the best choice. 

Check Ratings

It’s possible to check the ratings of prospective insurance companies by going online and researching that particular company. Be sure the ratings are on Google or some other public site, which increases their chances of being authentic because there are, unfortunately, fake ratings out there. 

So, if you reside in Tyler, TX, or the surrounding area, and you’re struggling to find a new auto insurance agency, you should contact us at EasTex Insurance for more information. One of our licensed agents will be happy to provide you with a quote and answer any questions you may have. We consider ourselves to be excellent at providing customer service as well as offering affordable rates, so give us a call today for a quote. 

Do You Need to Change Your Beneficiaries?

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You caught your spouse in a passionate embrace with your brother. Your son lost a fortune betting on the ponies. Your daughter eloped with a guy named Snakes. Your sister’s chili tasted like bitter almonds. Your parents made the mistake of eating that chili. If any of that happens, it’s time to change the beneficiaries on your life insurance! But how? 

When to Change the Beneficiary 

It isn’t just the catastrophes mentioned above that might prompt you to change the beneficiaries on your life insurance. A new marriage means a new person to acquire life insurance. If this new marriage comes with stepchildren, or you have your own or adopt, they can also be listed as beneficiaries. Once a minor beneficiary turns 18, some changes might have to be made. If you move out of state or country, you may have to make a few changes to your life insurance to suit local laws. In any case, you must keep all the info regarding your beneficiaries updated to make sure that benefits are paid according to your wishes. 

How to Do It 

It’s pretty easy. All you have to do is call your agent and tell them you want to change the beneficiary. You can do this at any time. Your agent will walk you through the form you need to fill out. It may be done online. Remember that if you name a minor as a beneficiary, you will have to call an adult to handle it for them. 

Life Insurance from EasTex Insurance Serving Tyler, TX

If you need life insurance and live in the Tyler, TX area, call EasTex Insurance today. Our friendly and knowledgeable agents will help you get what you want. 

What is Covered by Home Insurance?

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Our agents at EasTex Insurance, serving the residents of the Tyler, TX, area, are touting the importance of home insurance, whether you still owe money for your home or not.

Home insurance, also known as homeowners insurance, is a great safety net if a tragic incident occurs. It will protect one of your most significant investments: your home. Home insurance will cover your property and possessions in the event of unexpected events or disasters covered under your specific policy.

Home Insurance Coverage Options in Texas

Most normal home insurance policies will cover the following:

  • Dwelling Coverage: This part of your policy covers the structure of your home, including the walls, roof, floors, and even built-in appliances and bookcases, if they are damaged by something like fire, windstorms, vandalism, and more. Dwelling coverage means you can rebuild or repair the home you love if damaged or destroyed.
  • Personal Property Coverage: Most home insurance policies also protect your belongings, such as furniture, clothing, electronics, and appliances, if they are damaged, stolen, or destroyed in some incident, as stated above. This coverage extends beyond your home, often covering items lost or damaged even while you are traveling.
  • Liability Coverage: This type of coverage is essential, especially if someone falls and is injured at your home or you accidentally damage someone else’s property. This type of coverage can help you cover legal fees and medical expenses.
  • Additional Structures: Most of the time, other structures on your property, such as garages, sheds, or fences, are covered under your home insurance policy.
  • Loss of Use Coverage: If you and your family have to live at another location while your home is repaired or rebuilt, this coverage will help your living expenses while you are displaced from your house.

Contact EasTex Insurance in Tyler, TX

To get your home insurance policy started, contact our agents at EasTex Insurance, serving the residents of the Tyler, TX, area today!