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Your Auto Loan Is Paid Off. Should You Keep Comprehensive Coverage?

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Congratulations! Paying off your auto loan is a major milestone! Now that you own your car, should you keep comprehensive coverage? Before removing it from your policy, consider the pros and cons. Our expert team at EasTex Insurance, serving Tyler, TX, is here to help you make this decision.

What Does Comprehensive Coverage Mean?

Comprehensive insurance pays for damage to your vehicle caused by events other than a collision. These include fires, theft, vandalism, hail, falling trees, floods, and even animals. Unpredictable, unexpected events happen and are costly. If you don’t have comprehensive coverage, you have to pay for all the repairs.

Keeping Comprehensive Insurance Makes Sense

It’s great that your loan is paid off and you own your vehicle. Keep in mind that its value and your investment still matter. Comprehensive insurance is more affordable than you might think. It provides peace of mind that if any of these unfortunate and unexpected events happen, you have protection. Texas is known for severe weather and natural disasters, which you can’t control. But you can control your insurance coverage.

Protect Your Investment and Your Peace of Mind

If you rely on your vehicle to get to work, school, and errands, it’s smart to keep your comprehensive coverage. This is especially true if your car holds value. An affordable premium will protect you from the possibility of having to pay hundreds or thousands out of your pocket.

Contact EasTex Insurance for Personalized Coverage

EasTex Insurance is here to help you compare the pros and cons of keeping your comprehensive insurance. Contact us. We’re currently serving Tyler, TX.. 

Holiday Visitors and Extra Household Liability: Reasons To Review Your Coverage

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We’ve all experienced it. The holidays change the tempo of a home. Not gradually, but all at once. One weekend, your living room is quiet and peaceful, and the next it’s full of voices, unfamiliar routines, and people constantly moving through rooms they hardly know or recognize. But that change shouldn’t come as a surprise, and neither should the changes to your liability risks.

When a Full House Creates New Risk

The reality is that a visiting family behaves differently from the people who live with you year-round. A young niece reaches for a high shelf. A child explores the backyard without paying attention to the step that dips lower than the rest. None of this is dramatic on its own, but each of these moments adds to the list of things that could go wrong inside your home.

What you’re really managing during the holidays is movement. More feet on the stairs. More hands on doors, More people sharing your kitchen. 

At EasTex Insurance, we help families like yours understand how an umbrella insurance policy can support them during the busiest time of the year. An umbrella raises the coverage limits across your existing home and auto policies, so you’ll be protected from unforeseen incidents. It’s less about expecting something to happen and more about understanding how quickly the dynamics of your household change when guests become part of your daily life.

Why Coverage Clarity Matters Before Decorations Go Up

You might host a single gathering or a weeklong family visit, but either way, the responsibility that comes with having more people under your roof falls on you. And that’s why it’s so important to review your policy before the season steps into high gear.

At EasTex Insurance, serving Tyler, TX, we’re here to help you understand whether your home insurance reflects the reality of a full house. For a clear and honest conversation about your options, we’re ready when you are.

When Flooded Roads in Tyler Turn Into Auto Claims: What Your Policy May Miss

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Heavy winter rain is common in Tyler, TX, and when the streets flood, even the most careful drivers can find themselves in trouble. Water damage is one of the most misunderstood aspects of auto insurance, as many drivers are unaware of what their policy does and doesn’t cover. That’s why at EasTex Insurance, we help local drivers navigate their coverage options before it’s too late.

When Water Meets Wheels

Here are the facts: Your standard liability coverage only pays for damage you cause to others. It won’t help you if floodwater destroys your own vehicle. To protect your car from water damage, you’ll need comprehensive coverage as part of your auto insurance package. This covers incidents like:

  • Flooding from heavy rain or rising river waters
  • Storm debris or fallen branches that damage your car
  • Theft or vandalism during severe weather 

It’s important to know that without comprehensive coverage, the costs of repairs or even a total replacement are squarely on you.

Protecting Yourself Before the Storm

When the storm hits, it’s too late. It’s that simple. But drivers in Tyler, TX, can reduce their risks with a few smart steps:

  • Park on higher ground during storms or when storms are expected.
  • Avoid driving through standing water, especially when it looks shallow but you don’t know the area.
  • Review your auto insurance policy with EasTex Insurance to make sure you’re covered for weather-related losses.

Stay Road-Ready, Rain or Shine

Winter storms can happen unexpectedly. Flooded roads suddenly appear, and you don’t have the financial resources to face the aftermath. That’s why the team at EasTex Insurance, serving Tyler, TX, will help you understand all of your options and make sure your auto insurance protects you when you need it the most.

Contact us to review your policy before the next storm rolls in.

How To Claim Life Insurance Benefits

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Knowing how to handle the claims part of life insurance can relieve a little bit of the stress caused by the passing of someone you cherished in life. The process isn’t complicated, but it does involve a few important steps that families should be ready for. EasTex Insurance serves the residents of Tyler, TX, and the surrounding areas. Here are some helpful tips from your insurance rep to help you get through this part after the passing of a loved one.

Finding the Policy

Ideally, the person who passed away has told you where the life insurance policy is. But if not, you might look through the digital and hard copies of their important papers. It might be stored with their attorney or a trusted family member. Getting your hands on the policy is a good starting point.

Getting the Necessary Paperwork

The insurance company may ask for a copy of the death certificate. It sounds morbid, but it’s a necessary step. You can acquire this from the hospital, morgue, or other involved family members.

Submitting the Claim

Your insurance representative at EasTex Insurance serving Tyler, TX, will be able to give you a hand with this part. Once the claim’s been officially submitted, you can expect a waiting period of anywhere from a few weeks to a few months. If the cause of death was straightforward or imminent due to disease, it may be on the shorter end. If there are questions or complications, then it will be longer.

However it pans out, it’s nice to know that your loved one was thinking of you as you are thinking of them now. If you have any questions about filing the claim or how it will be paid out, contact us.

How to Protect Your Home from Twisters and Natural Disasters

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East Texas is situated in one of the most tornado-prone regions in the United States. With advice from the experts at EasTex Insurance, you can safeguard your home from twisters and natural disasters.

Shielding Your Home from Twisters and Natural Disasters

The National Weather Service reports that Tyler, TX, is located in a region of the country known as "Dixie Alley," which is more prone to tornadoes than other parts of the US. With storm power, duration, and intensity increasing, local homeowners need to have a sound plan in place to prevent financial devastation in the event of a disaster.

Damaging storms can cause roof damage, shattered windows, interior flooding, and, in severe cases, complete structural loss. Investing in a comprehensive home insurance policy can help local homeowners offset the costs of repair, replacement, and relocation after a storm.

Home Insurance Can Aid in Recovery from Severe Storms

While each homeowner’s insurance policy has its own specific provisions, a standard homeowner’s policy typically includes coverage for wind damage, interior damage from flying debris, and water damage to the interior and exterior of your home.

The best way to ensure your home and valuables are completely protected is to contact a trusted local homeowners’ insurance agent to review your existing policy.

A licensed local agent can answer important questions about your policy and ensure you have adequate coverage to protect your financial interests from a myriad of weather-related perils.

Homeowners Insurance Quote – Tyler, TX

Please don’t wait until it’s too late and the next round of damaging storms blows through. Contact a trusted local insurance agent at EasTex Insurance in Tyler, TX, and get a comprehensive homeowners insurance quote to protect your home and family today!