Tag Archives: dallas insurance

Six Things to Know When You Are Moving to Dallas

So your company has seen the light and has decided to relocate to Dallas, Texas. Welcome! We are very friendly people here, and in that spirit, I’d like to give you some things to know as you move to Dallas from wherever it is you are coming from.

1. The people here are very friendly. It’s unnerving to some arrivals from different places, because many people are not as open and willing to talk as your standard North Texan. In line at the bank, at Whataburger (something else you need to learn about) and just about anywhere. To paraphrase Hank Williams Jr., “We say grace, and we say Ma’am” here in Dallas, despite being such a big, cosmopolitan city. Texans are nice people, and Dallasites seem to be the nicest of the group.

Pickup trucks are a thing too.
Pickup trucks are a thing too.

2. “Dallas” can mean a lot of places.  The city limits of the city of Dallas stretch quite a ways, but as we continue to grow, the boundaries of the city really become blurs – there are houses and neighborhoods stretching all the way from Desoto in the South nearly up to Mckinney in the north. We have hip places both in and outside city limits, vast stretches of houses and apartments; any way you like to live can be accomplished in the Dallas area. Be assured that you are not moving here alone – nearly 1000 people a day move to Texas, and quite a few of them land here in the metroplex.

Dallas is a big place.
Dallas is a big place.

3. Traffic is a thing here in Dallas. I remember the days when they first finished construction on Central Epressway, and traffic flowed like a river. Then those thousand people a day started moving in, and roads got considerably more crowded. If traffic is moving fast, then be ready to battle your way where you need to go, and if it’s moving slow, it is stopped. That’s on the highways though – most people who commute in Dallas have several “back routes” to work that help them avoid traffic. We used to plan 30 minutes to get anywhere; now it’s more like 45.  When you add in the constant construction, it looks like no matter what, traffic is here to stay.

Oh yeah, construction doesnt help.
This photo was taken at 10 am.

4. Insurance is expensive in Dallas. Back in 2014, Dallas had the 13th highest auto insurance rates in the nation.  I couldn’t find a more recent list, but I assume that we have made our way up on the list. We have been selling insurance for many years in the Dallas area, and prices certainly aren’t going down, and prices are always a shock when people move here. Home insurance is also pricey, mostly because we have pretty damaging hail storms in the spring and tornados in the winter. That being said, even if the rates are higher, the cost of living in Dallas is well below the national average, so it works out. The best way to pay the least for insurance is to contact an independent agent – hopefully The Phoenix Insurance, as we are the highest rated agency by customers in Dallas.

5. Speaking of living, we do it. It’s not all rodeos here. Nightlife, street tacos, patio afternoons, theme parks, botanical gardens, zoos, art  – if you want it, it’s here. We are home to many funky neighborhoods where you can get artisinal foods, trails where you can take a jog and have a pit stop for a beer, and shopping centers where you can buy your Prada and Gucci. We are dog friendly at most places, so bring them by when you get lunch on a patio on a Sunday afternoon. Go have a spa day, or just take in a game at one of the many major and minor league sports teams in the area. on top of all the things that are always happening, we are lucky enough to have Epic Jared in town – who does things like throw the worlds largest Nerf battle at AT&T Stadium. There is always something cool going on around here, despite the hot weather.

This was the scene at Jareds Nerf Battle at Cowboys Stadium.
This was the scene at Jareds Nerf Battle at Cowboys Stadium.

6. It is hot here. For a while. Generally, starting toward the end of June, someone starts to dial up the thermostat and doesn’t turn it back down until mid October or early September. I don’t know the difference between “dry heat” and what we have, but it’s awful. It’s ok though, because everything everywhere is air conditioned. We spend time in our cars and buildings once the heat turns on, and in the pool, though it’s not really that refreshing when the water is 85 degrees from the sun. (Here is a side piece of advice – always make freinds with your neighbors that have pools.) We tough the heat out though, because fall is awesome, and spring sometimes lasts long enough to fool us into thinking we won’t have a bad summer.

They are still refreshing, even if warm.
They are still refreshing, even if warm.

I am really just scratching the surface of things you need to know to relocate to the Dallas area, but to sum it all up, Dallas is an awesome place to be, and we are happy to have you. Go grab a gas station Taco and take it to the park we built on top of the highway, and just revel in being a Dallasite – you made it!

5 Ways Your Insurance Protects You Around The Holidays

Every family has a holiday disaster that is terrible the first year, but as the years go on, retelling the story becomes a part of family tradition. Insurance isn’t festive, but it can come to the rescue of your festivities.

1. If you poison someone at dinner, the liability portion of your home insurance is there for you.This one is based on a true story; one year when we were up north for the holidays, we went to eat at Uncle Bill’s house for the big meal. As he always had, Uncle Bill stored the turkey outside on the porch until it was time to cook. However, that year there was an unnaturally warm afternoon, and the turkey thawed quickly and then froze again that evening. When the turkey was cooked and served, everyone (except for Uncle Bill) ended up in the hospital with food poisoning. That year we only had family members in attendance, and no one filed suit. However, if someone had decided to sue, the liability portion of his insurance would have covered him.

 

This is a bad idea.
This is a bad idea.

2. If someone steals the presents you have in your back seat, the “personal property off premises” coverage of your home insurance will cover you.

First, if you are shopping for gifts and making multiple stops, be sure to keep all of your purchases in the trunk of your car. However, if you drive an SUV, that’s obviously not an option. Unfortunately the holidays don’t just bring out the good in people, they also present an opportunity for thieving scumbags to break your window and steal all of the presents you have purchased. If that were to happen, those gifts would be covered by your home insurance (or renters insurance if you don’t own a home). I would still bring along a blanket to keep your purchases away from prying eyes, but your insurance is there for you should something terrible happen.

this is an awful thing to walk up on.
This is an awful thing to walk up on.
3. If your tree burns down your house, you are covered.Once again, I’m going to first give you some good advice; water your tree, check the wires on your lights for shorts, and never go old school on your tree by using candles for light. Sometimes however, even if you follow my advice, bad things can happen. If the worst happens and your tree catches fire, your home insurance is there for you with fire coverage – and if your house is burned, you will need a place to celebrate that doesn’t stink of smoke and firemen’s sweat. That’s where the additional living expense coverage comes in; you will obviously need a place to live while your home is being repaired. You won’t be celebrating at home, but you also won’t have to impose on Uncle Bill (and risk that turkey dinner).
Super Hardcore!
Super Hardcore!

4. If your party gets too rambunctious and someone gets hurt, you are covered.We have all been there; the party is bumping, the rug is rolled up, people are dancing, and then a scream as Aunt Josehine sprains her ankle and hits the floor. Luckily for you, your homeowner’s insurance includes “medical payments” coverage so you can rush her to the emergency room. The minimum coverage is $500, but more can be purchased if you are so inclined. I would certainly purchase more if you throw lots of parties – and if you have elderly aunts who like to cut a rug.

She'll also probably hit on that friend you invited over.
She’ll also probably hit on that friend you invited over.

5. That new car you put a bow on is automatically covered.This one isn’t actually covered on your homeowner’s insurance, but it is covered by your auto insurance. When you purchase a new vehicle, your auto insurance automatically extends to the new vehicle for 30 days. That way you don’t have to risk spoiling the surprise by adding the car in advance of giving it to the giftee. This coverage extension isn’t here just to prevent spoiling surprises, it’s to ensure that your new purchase is covered until you can get hold of your agent. This 30 day courtesy extension doesn’t just happen during the holidays either, it is available to protect you year round.

 

This IS a good idea.
This IS a good idea.

These are just five ways your homeowner’s (and auto) insurance protects you against disaster during the holidays. Obviously no one wants to rely on their insurance to save the holiday, but it is nice to know it’s there if a disaster should try to ruin the season. Here at The Phoenix, we wish you a very happy holiday, and hope that you don’t have to make a claim this time of year – but if you need to, we are here to help!