Paragon Independent Insurance Agencies

JUNE 16, 2025

Renting out your home can be a smart move, but it’s essential to understand how it affects your insurance coverage. At Paragon Independent Insurance Agency, serving the Plano, TX community, we frequently receive questions from homeowners considering becoming landlords. Do You Need Landlord Insurance?

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Shield Insurance Agency

MAY 12, 2025

Whether you own a motorhome, pop-up, ATV, or other recreational toys, it’s crucial to ensure they have the right insurance coverage. It’s a common misconception that standard auto insurance policies will cover recreational vehicles. Standard policies typically do not extend to these types of vehicles.

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TGS

JUNE 11, 2025

Flood Damage: Not Covered by Standard Policies Here’s the big one. Most homeowners don’t realize that standard home insurance does not cover flood damage. How to fix it : Consider adding a separate flood insurance policy through FEMA’s National Flood Insurance Program (NFIP) or a private insurer.

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Mark Jackson Insurance Agency

MARCH 19, 2025

From property protection to liability coverage, ensuring your business insurance policies align with your expansion is critical. Without the right coverage, unforeseen challenges—such as property damage, employee injuries, or legal issues—could put your investment at risk. Ensure your insurance policy is up-to-date.

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Paragon Independent Insurance Agencies

APRIL 15, 2025

If your home has recently been burglarized and you have home insurance, you might wonder if your policy can assist in the recovery process. The experts at Paragon Independent Insurance Agency, servicing Plano, TX, are ready to address your concerns and guide you through the claims process.

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TGS

MAY 22, 2025

Here are key preparation tips: Review Your Insurance Coverage : Confirm that your homeowners insurance includes sufficient windstorm and flood protection. Many standard policies exclude flood damage, so consider adding a flood insurance policy through the National Flood Insurance Program (NFIP) or private insurers.

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TGS

FEBRUARY 14, 2025

But heres something we often overlook: what happens if that gift is lost, stolen, or damaged? Most standard homeowners or renters insurance policies offer limited coverage for high-value items, often capping jewelry and other valuables at a fraction of their worth. Think of it as a love letter to your most prized belongings.

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TGS

FEBRUARY 4, 2025

Simply put, equipment breakdown coverage is an optional endorsement that may be added to certain homeowners insurance policies. Equipment breakdown coverage isnt a blanket policy for every household issue. It wont cover: Normal wear and tear or aging appliances Cosmetic damages (scratches, dents, etc.)

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Wren Insurance Agency

JANUARY 22, 2025

Here in Florida unfortunately, we know the incredible damage wildfires can do. These risks are rated at a local level, not national, so the current fires in California will not affect Florida's home insurance rates. In 1998, dry conditions resulted in more than a half million acres burning to the ground.

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TGS

MARCH 17, 2025

TGS Insurance Blog Lets be realwhen its time to pick an auto insurance policy, most of us are just hunting for the cheapest option that doesnt leave us totally exposed. Liability only auto insurance steps in to cover the damage youve done to the other guys car or their medical bills if theyre hurt.

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TGS

MAY 21, 2025

Now picture a sudden flare-up disrupting the scene or damaging the deck. These incidents can lead to significant property damage or, worse, injuries that result in liability claims. A fire that damages siding or outdoor furniture could lead to a homeowners insurance claim. A fire blanket is another practical tool.

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TGS

SEPTEMBER 6, 2023

TGS Insurance » Blog Do You Need to Tell Your Homeowners Insurance About Home Renovations? When taking on new home renovations, your homeowners insurance policy might not be the first thing on your mind. However, for many home renovation projects, you will need to inform your insurance agent.

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Mark Jackson Insurance Agency

JUNE 16, 2025

How to avoid it: Ask about a home-based business endorsement or a standalone business policy that protects your equipment, liability, and income. Not Getting Proof of Insurance from Vendors or Subcontractors If a subcontractor causes damage or injury, your business could be held liable if that subcontractor is not properly insured.

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Wren Insurance Agency

OCTOBER 23, 2024

Now that we are in the thick of the official hurricane season here in Florida, you may have noticed - if you recently tried to bind a new home insurance policy - that most carriers will stop writing up to a week or two prior to a named storm possibly impacting the state. The more damage, the more likely premiums will rise at renewal.

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Mark Jackson Insurance Agency

MAY 7, 2025

Before making any purchases or policy changes, speak with your insurance agent to determine the best setup for coverage, cost, and flexibility. Review Your Insurance Coverage Most auto insurance policies require you to inform the insurer when a new driver is added to your household.

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Mark Jackson Insurance Agency

OCTOBER 16, 2024

Umbrella insurance is designed to offer an extra layer of liability protection, stepping in when your standard insurance coverage limits have been reached. Umbrella insurance covers these additional costs, ensuring that you’re not left financially vulnerable.

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Shield Insurance Agency

AUGUST 20, 2024

Small Insurance Claims Can Raise Premiums Small insurance claims, such as those for minor property damage, may seem like a hassle to deal with. Many policyholders may be tempted to file a claim for every little incident in the belief that their insurance policy will cover all damages.

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Paragon Independent Insurance Agencies

JUNE 28, 2024

Then, adjust your insurance policy accordingly. Your residential insurance policy can list the items you invest in. The insurance coverage will protect against unforeseen damage and theft. Be aware that some events may not be included in a standard insurance policy.

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Shield Insurance Agency

APRIL 19, 2024

Shield Insurance Agency Blog | Collision Coverage | Auto Insurance | Start A Quote Today! Michigan is a state with unique auto insurance requirements that can sometimes be confusing to navigate. The deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in.

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Paragon Independent Insurance Agencies

JULY 31, 2024

When buying a home, your mortgage company will require you to purchase homeowners insurance. Lenders want to ensure their interest in the property is protected if an unfortunate disaster damages it. Our knowledgeable agents at Paragon Independent Insurance Agency in Plano, TX, are here to help. Reach out to us today!

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Paragon Independent Insurance Agencies

SEPTEMBER 30, 2024

Ensure your tiny house is insured against theft and damage. Begin by conducting a comprehensive home assessment, then select residential coverage to include in your insurance policy. Home Insurance Like any other residence, a tiny home is eligible for various types of home insurance coverage.

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Shield Insurance Agency

JUNE 11, 2024

Thunderstorms often bring powerful winds that can knock down trees, power lines, and mobile homes, intense rainfall that causes flash floods, tornadoes, lightning strikes that can spark fires, as well as damaging hail. Review your home insurance policy. Check to see if you are covered for flood damage.

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TGS

NOVEMBER 18, 2024

The Basics: Defining a No-Fault State At its core, a no-fault state is one where your car insurance policy takes care of your medical expenses and certain other costs, regardless of who caused the accident. That’s where additional coverage types, like Property Damage Liability (PDL) and Bodily Injury Liability (BIL) , come into play.

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Paragon Independent Insurance Agencies

OCTOBER 31, 2024

Prevent External Damage One of the most essential benefits of a carport or a garage is the external damage prevention you have on your vehicle. Leaving it in the sun exposed to the elements can damage your vehicle. A carport will prevent sun damage, but it doesn’t eliminate all weather, like an enclosed garage.

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Paragon Independent Insurance Agencies

MARCH 15, 2024

When acquiring new home appliances, consider incorporating them into your existing home insurance policy. Don’t hesitate to contact our representatives at Paragon Independent Insurance Agency for assistance updating your personal insurance policy. Insuring items that you use regularly is a wise choice.

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Wren Insurance Agency

SEPTEMBER 3, 2024

Overflow of inland or tidal waters, heavy runoff from significant rainfall, collapse or destabilization of land along a body of water due to erosion, or unexpected wave activity can all cause flooding events in your home that aren't covered by your typical HO3 policy.

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TGS

DECEMBER 13, 2024

While standard homeowners insurance or renters insurance may offer limited protection for personal belongings, these policies often fall short when it comes to high-value items like jewelry. Thats why standalone jewelry insurance existsto provide comprehensive protection for the items that mean the most to you.

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TGS

JANUARY 15, 2025

TGS Insurance Blog Freezing temperatures might not visit your home often, but when they do, preparation is key to avoiding damage and keeping everyone safe. Document the Damage : Take photos or videos for your insurance claim. Call Your Insurance Agent : Reach out to your agent to start the claims process.

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Paragon Independent Insurance Agencies

MAY 27, 2024

These events may include property damage, liability claims from work-related injuries, break-ins, or business interruption. Protection of Business Property Commercial insurance protects all business property, including buildings on the land, equipment in the yard, inventory, and other assets owned by the company.

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Mark Jackson Insurance Agency

NOVEMBER 22, 2024

While your business may only operate for part of the year, risks like property damage, liability claims, or equipment theft don’t follow a calendar. Having the right insurance policies in place ensures your business is protected even during the offseason. Start by evaluating your specific risks.

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Paragon Independent Insurance Agencies

SEPTEMBER 16, 2024

Liability Insurance Liability coverage protects you against legal costs that could disrupt your business. Protection against damage and theft shields you from financial losses that could affect your business sales. In essence, having comprehensive insurance coverage is indispensable.

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Mark Jackson Insurance Agency

JULY 8, 2024

This can lead to significant water damage, a common cause of home insurance claims. Additionally, turning off the water supply can mitigate potential damages should an accidental puncture occur. It's essential to ensure that your home insurance policy covers the new additions to your home.

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TGS

OCTOBER 30, 2024

TGS Insurance » Blog 5 Must-Know Tips for Comparing Home Insurance Quotes Choosing the right home insurance policy can sometimes feel like trying to find the perfect coffee order—it’s a delicate balance between what you need and what works best for your wallet. Not every policy covers every peril. That’s right.

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TGS

OCTOBER 3, 2024

Coastal homes in Florida, for example, face higher premiums due to the increased risk of hurricanes, flooding, and wind damage. Conversely, homes further inland or in areas with lower crime rates often benefit from lower insurance costs. The more risks your area poses, the more your insurance company will charge to protect you.

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Mark Jackson Insurance Agency

MAY 21, 2024

While operating a business from home offers convenience and flexibility, it also necessitates careful consideration of insurance needs. Traditional home insurance policies often fall short of covering the unique risks associated with running a business from home.

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TGS

DECEMBER 4, 2024

And if your tree includes built-in lights, inspect the wiring for any signs of wear or damage. Replace damaged strings immediately. Artificial trees should be stored in a cool, dry place to prevent damage and prolong their life. When shopping for an artificial tree, look for one labeled as “fire-resistant” or “flame-retardant.”

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TGS

OCTOBER 3, 2023

How to Read Your Homeowners Insurance Quote 1. Insurance Company 2. Policy Number 3. If you own multiple properties, confirm that your billing address and insured location are both accurate. If you suffer from losses or damages beyond those limits, you will be responsible for paying the rest out of pocket.

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