What Tyler, TX parents need to know about auto insurance for teens

When your kids start to drive, it can bring up a wide range of emotions. You may be proud of their higher level of independence, but at the same time, you may worry more about their safety. EasTex Insurance understands these concerns that many Tyler, TX parents experience and are here to help. Knowing that your teenager and your family have appropriate auto insurance coverage can help you lessen your anxiety and give you a greater feeling of security. 

ABCs of teens and auto insurance

Securing the appropriate coverage for your teen requires the consideration of a number of factors. For instance, because of their inexperience, teens can often have more scrapes and dents than more seasoned drivers. Parents may also wish to consider a robust level of roadside assistance coverage. Additionally, if the car is going to be in a higher need of repair, rental car coverage can help to minimize the impact on your family’s transportation. 

In some instances, it can make more sense for a teenaged driver to have their own policy. This is just one example of the many ways that insurance coverage needs can differ from family to family.

Let us help you find the appropriate auto policy for your family

EasTex Insurance is here to partner with Tyler, TX area parents and help your family obtain the auto policy that is appropriate. We are here to serve your needs and look forward to working with you! Call or stop by today and learn more about the auto insurance policy options that are available to you and your family. 

Parents Need Life Insurance

Raising a child can be a costly endeavor, and it is not one you want to take risks with. Life insurance can help you avoid a lot of the financial risks involved with raising a family. EasTex Insurance, which serves Tyler, TX, understands that you have a lot of fears surrounding your children and their financial future. Here’s why you should consider life insurance as a solution.

Working & Stay-at-Home Parents Should Have Life Insurance

Life insurance is a smart option for both parents to have, whether they both work or one stays at home with the children.

Parents who provide financial support should consider insurance to avoid allowing their children to miss out on financial support. If you pay rent or the mortgage, you should consider how your family would get by if you were to pass away suddenly.

Parents who stay-at-home should also get life insurance policies. This provides financial support that can be used to cover the costs associated with daycare and babysitting.

Your Life Insurance Policy Considers Many Factors

As a parent, you need to factor in a variety of issues and expenses as you consider how much insurance you need to buy. When you buy a life insurance policy, you should consider your financial contribution to your children, the costs of education for your children in the future, and the costs of childcare should you pass away.

Check Out Your Life Insurance Options

Parents have a lot to think about when they consider the future. You have many options for life insurance. EasTex Insurance can help families in Tyler, TX determine what kind of life insurance is right for them.

Things that home insurance doesn’t cover

Home insurance is the safety net you purchase to protect your home. It offers lots of different protection from a variety of hazards. You may feel like you have all the bases covered, but unfortunately, like most other types of insurance, home insurance has exclusions. Knowing what they are can help you to make whatever other plans you need to make. At EasTex Insurance in Tyler, TX, we are independent insurance agents and we represent you, our customers. With more than 40 years in business, we have the experience you need and expect. 

Owner negligence

You may think that your home is your castle and the upkeep of your castle is your personal business. You are wrong. Your home insurance expects you to take care of your home and if you don’t, the insurance will not pay for any resulting damage. If you need a new roof but hold off on replacing it and get damage as a result, you won’t be covered. If termites do devastating damage to your home, you won’t be covered. You should have a termite bond. 


Floods cause millions of dollars of damage every year and your home insurance won’t pay. If a pipe bursts in your home and floods it, that is covered, but if you are inundated by surface water, you will only be covered if you have designated flood insurance. 

Earth movement

Earth movements include earthquakes, mudslides, and sinkholes. While these all cause a lot of damage, they are not covered under a standard home insurance policy. You can add an endorsement to cover them, however, or buy a totally separate policy. 

Limited coverage

Some specific areas have limits built into the policy. One of these is jewelry. Check the limits on your policy and expand it with an endorsement if necessary. 

When you have home insurance needs, contact EasTex Insurance in Tyler, TX.

Why You need classic car insurance

If you own a classic car like 1970 Chevrolet Corvette or 1957 Ford Thunderbird, you may need classic car insurance from EasTex Insurance of Tyler, TX. Yes, it may not be your daily drive, but you still need car insurance. 

Then you may ask: Isn’t conventional car insurance sufficient? Traditional auto insurance is inadequate since classic cars appreciate while typical cars depreciate from the moment you drive off the lot. 

But why do I need classic car insurance, yet I rarely use it? Here are the answers.

Liability protection

The few days you are using your car, you can cause an accident that causes bodily injury or property damage to others. Thankfully, classic car insurance protects you against these liabilities even when you are sued.

 It protects your asset

Of course, you have bought or held on to your car for many years because you value it. As such, it makes sense to insure it against perils like theft, fire, hail, falling objects, and so on. 

But what value do I get compensation for when my car is totaled? Because your classic car appreciates instead of depreciating, you need to be aware of the below values:

  • Agreed value: It’s an advance payout amount you agree with your insurer. This predetermined value is what your insurance will pay when your car needs replacement.
  • Stated value: It’s the amount you will inform your insurer (with support of documentation, of course) that your car is worth. This will be the insured value of your car.

It’s required

Just like your typical car, Texas requires you to carry classic car insurance as long as you drive on public roads. Failure to show proof of auto insurance may subject you to numerous fines and penalties. Is it worth the risk, yet you can purchase affordable coverage from EasTex Insurance?

Buy home insurance today!

Do you own a classic vehicle in Tyler, TX? Don’t hesitate to get in touch with EasTex Insurance to purchase affordable classic car insurance.

Umbrella Insurance: The Insurance that Covers Life’s Rainy Day Surprises

Just like an umbrella protects you from the rain, umbrella insurance protects you from life’s rainy day surprises. In Tyler, TX the place to go to learn about umbrella insurance is your friends at EasTex Insurance.  With decades of experience to their name, there is not a lot they have not seen happen in the lives of their clients. That’s why their clients are happy they purchased umbrella insurance for those unexpected times. 

What it Covers

Umbrella insurance covers the gaps in other insurance policies. It is mostly meant for covering your physical assets such as homes, cars, boats, and other properties as well as monetary properties such as gold, silver, bitcoin, and other hard assets.

Is it Required?

No. Umbrella insurance is not required insurance in the state of Texas. It is just optional insurance that can help you fill the deficiencies of your overall asset protection by covering what the others don’t and adding to your total coverage amount. 

Depending upon how much gap insurance you need, your friendly agent at EasTex Insurance can help you decide how much asset protection you are lacking. By taking a look at other policies you may have in place, they can estimate how much you lack to cover other unexpected losses from fire, theft, acts of nature, and more.

Let’s face it: Life is unpredictable. The time to buy insurance is before you suffer a loss. That’s where your insurance experts can help. Knowing what you need to protect and how much you have in your budget to spend can help them help you make the best decisions.

In Tyler, TX your insurance pros can be found at EasTex Insurance. Umbrella insurance is there when you need it, to cover life’s rainy day surprises so that your tomorrows will bring sunshine. 

Should I get an auto insurance plan in Texas?

People that are in the Tyler, TX area will always want to have access to a vehicle as it will make it a lot easier for you to get around the community. As you are looking for a new vehicle in this area of the state, picking an insurance plan is equally important. There are a few reasons that you should get an auto insurance plan here.

Texas Requires Liability Coverage

A reason that you should have an auto insurance plan when in this state is because it is a state law requirement. Those that want to drive a car in Texas need to abide by state laws surrounding liability insurance. If you do not have the coverage in place, you could face various penalties. This includes having to pay fines or even losing your right to drive for a period of time. 

Lender Requirements

Drivers also need to consider their lender’s insurance requirements. If you are going to take out a loan when buying a car, it is important that you understand your insurance needs. Most auto loan providers will want to know their collateral is covered and will require you to get a collision and comprehensive plan. This will ensure you are protected against many scenarios that could result in a loss. 

Picking an auto insurance plan in the Tyler, TX area is a big decision and comes with many choices that need to be made. As you are evaluating your options, calling EasTex Insurance would be beneficial. Those that are going to speak with EasTex Insurance will receive the support that is needed to fully evaluate their options and choose a new plan. This will ensure you and your vehicle are properly covered and in compliance with all requirements. 

5 Benefits of Life Insurance

When you purchase life insurance from EasTex Insurance of Tyler, TX, the obvious advantage is that your dependents get financial protection when you pass away. If your loved ones depend on your income when you are alive, benefits from life insurance can help cover expenses like mortgage, school fees, and other financial liabilities in your absence. As you can see, life insurance protects your dependents, but is that the only reason you should buy life insurance? The answer is no. Here are additional benefits of investing in life insurance.

Life insurance takes care of your debts.

Do you have a mortgage? Or perhaps you have a credit card or student loan? If you don’t want to bother your cosigners and loved ones with financial liabilities when you die, invest in life insurance.

Gives inner peace

You purchase home or auto insurance to protect your assets and keep your worries in check even when disaster strikes. The same is true with life insurance. While the thought of your death might be worrying, you can have peace of mind knowing that the financial needs of those you leave behind will be taken care of by life insurance.

To cover funeral expenses.

Your loved ones are going through a tough time mourning your death. It would be devastating to worry them with funeral costs that can cost upwards of $7,500, depending on your final wishes. Thankfully, life insurance can take care of your final expenses, leaving your dear ones to mourn in peace.

Life happens

Life is fickle. You are alive now, and the next minute you are gone. Accidents and certain ailments (like a heart attack) can cause sudden deaths, leaving your dependents in a financial mess. Because life is unpredictable, purchasing life insurance can cushion your family when you die suddenly.

You have a business

Life insurance protects your business partner and employees when you die by helping them buy time as they think of the next move.

Buy life insurance today in Tyler, TX.

Are you shopping for life insurance? Please contact EasTex Insurance today. Whether you are old or young, it’s never too late to purchase a life insurance plan. 

How Homeowner’s Insurance Protects You

Homeowners insurance provides financial protection for your home and all personal belongings inside. However, if you currently have this insurance policy for your home in Tyler, TX, you may begin to wonder if it is enough? You may also wonder more specifically what it is protecting you from. While the professionals at EasTex Insurance can help answer these questions and others, additional information can be found below, as well.

Homeowner’s Insurance Defined

Homeowners insurance is a group of protections that help replace or repair your home, outbuildings, and belongings if they are damaged or lost because of theft or fire. It can also cover costs incurred due to accidental damage to someone else’s property or if someone visiting your home is injured.

The Cost of Homeowner’s Insurance

The cost of insurance depends on several factors, including your home features, the cost of your personal belongings, and selected coverages. You may also incur additional fees for extra coverage or increased limits. A professional insurance agent can help you find the right coverages that fit your needs or determine if you can receive any policy discounts.

Coverage Provided by Homeowner’s Insurance

Homeowner’s insurance will usually cover things like your home, other structures on the property, your personal property, and liability for damage or injuries to someone else’s property. It may also be possible for you to purchase more coverage if needed for additional protection.

Regardless of if you need to purchase home insurance for the first time or replace your existing policy for your Tyler, TX home, EasTex Insurance professionals can help. We can help review your home’s specifics and what level and amount of home insurance you need. The professionals will also help compare policies to find the most value for the right price.


Exploring The Different Types Of Classic Car Insurance

EasTex Insurance serves the Tyler, TX community, as well as the surrounding areas. We help our clients find the coverage they need to protect themselves in the event of a catastrophe. We offer custom policies designed to meet the individual needs of our clients. We proudly assist the community as an independent insurance agency.

The Different Types Of Classic Car Insurance

Owning a classic car is a significant investment. A classic car is one of your most prized possessions. To earn classification, your vehicle should be at least 20 years old. Most importantly, you should only drive the car on special occasions. Normally, that means showing off your car at special car shows and conventions in Texas. To protect your asset, consider the benefits of classic car insurance.

Classic car insurance helps you maintain the value of your car. You are covered if your vehicle is stolen or vandalized. You are also covered if you are involved in a collision. Liability coverage protects your vehicle if you are ruled to be at fault for the collision. Here is a look at some different types of car insurance.

You can opt for antique coverage. For your vehicle to earn antique classification, it has to be over 30 years old and working in its original condition. If you add new parts to the vehicle, you’ll have to amend your policy to protect those items if they are damaged or stolen.

Similarly, you can opt for modified coverage that specifically protects any upgrades to your vehicle’s body and engine. It may be a good idea to have your vehicle appraised once you install these new parts. That way, you will have a clear idea of how valuable your classic car is currently.

EasTex Insurance Will Help You Protect Your Investment

Contact our office in Tyler, TX today to learn more information about classic car insurance.  

Do business owners need umbrella insurance?

Business owners have so many things to worry about, which forces them to buy several insurance policies to protect their hard-earned investments. Every business, big or small, may require some good amount of general liability, workers’ compensation, professional liability, and many other commercial insurance policies. But there is one critical policy many forget—umbrella insurance. If you are looking to add some extra liability coverage to your business in Tyler, TX, here is how you will benefit.

Umbrella insurance is extra coverage.

If your business involves having clients walking in and out of the building, you may want to consider having extra liability coverage if things go wrong. For instance, if you run a bar and restaurant, it’s common for customers to drink, cause chaos, or behave inappropriately, which could lead to property damage, injuries, lawsuits, and other losses. Additionally, the chances are that your professional liability or general liability may not be adequate to cover all your liability needs, and that’s where you will need umbrella insurance. Remember that umbrella insurance is not self-sufficient, and you may need to use your primary policies, and the umbrella only comes in when they are inadequate.

Liability goes beyond what basic coverages offer.

Lawsuits can be pretty messy and expensive. Whether you are starting a small or large business, a commercial umbrella helps you stay stable even after lawsuits. It offers you the peace of mind you need to run your business and focus on the most important aspects. At EasTex Insurance, we recommend speaking to your insurance agent before making any purchase to help you focus on the right premiums for your business.

Big businesses will benefit from the additional liability coverage.

The bigger the business, the bigger the risks and the higher the lawsuit payments. Big business owners need additional liability coverages to ensure that their business stability is not threatened.  Umbrella insurance is also far less expensive than stretching premiums.

Contact EasTex Insurance in Tyler, TX to help you secure an umbrella insurance policy for your business today!