Tag Archives: home insurance dallas

Head Rush Hot Rod Car and Motorcycle Show

Head Rush is a great show at a great location – as usual several of our classic car insurance clients took first place in their divisionaddison auto insurance antique auto insurance dallas antique auto insurance houston antique auto insurance plano antique auto insurance auto insurance southlake auto insurance car insurance dallas car insurance frisco car insurance plano car insurance southlake (2) car insurance southlake carrollton auto insurance dallas auto insurance (2) dallas auto insurance dallas home coverage dallas home insurance dallas homeonwers dallas insurance frisco auto insurance garland auto insurance home insurance dallas home insurance frisco home insurance plano home insurance southlake home insurance texas home insurance the colony home insurance home owners insurance dallas home owners insurance garland home owners insurance plano home owners insurance texas home owners insurane southlake homeowners insurance dalals homeowners insurance dallas homeowners insurance plano homeowners insurance texas inaurance expert dallas insurance experts plano auto insurance plano insurance richardson auto insurance texas antique auto texas home insurance – as did several motorcycle insurance customers!

Lakewood Grill Hot Cakes and Hot Rods

There is very little that is better than a morning car show. The weather her in Texas is cool, there is coffee and great conversation over some just beautiful cars. As usual, plenty of our clients that insure their classic cars with us were there. auto insurance dallas auto insurance texas bentley insurance car collection insurance Car insurance Dallas collector car insurance plano collectors car insurance dallas collector car dallas insurance experts exotic car insurance texas friscos best insurance highland park auto insurance highland park home insurance highland park insurance home insurance dallas homeowners insurance texas houston exotic insurance plano home insurance rolls royce insurance texas insurance experts

Paloma Creek Sonic Sock Hop

nothing evokes the”good old days” like Sonic and classic cars. As usual, we were tooling around town in our antique milk truck, looking for a place where our classic insurance clients were hanging out. The Paloma Sonic Sock Hop was full of our friends, and we made some new friends there as well! best insurance dallas best insurance price dallas best insurance texas best price insurance dallas best price insurance texass best price texas insurance best rates dallas car insurance texas Dallas Auto Insurance Dallas best insurance agent dallas best Dallas car insurance dallas exotic insurance dallas ferrari insurance dallas home insurance (2) Dallas Home Insurance dallas insurance agent dallas insurance rate dallas top insurance ferrari dallas ferrari insurance agent Frisco Auto Insurance Frisco Car Insurance Frisco home insurance Frisco homeowners insurance Frisco Renters Insurance homeowners insurance insurance advice insurance rates dallas lamborghini insurance Plano auto insurance plano best agent Plano Car Insurance plano home insurance plano home owner insurance plano homeowners insurance plano liability insurance race car insurance race insurance texas auto insurance rate texas auto insurance texas car insurance texas home insurance texas homeowners insurance

What Insurance Companies do We Represent

As Independent Insurance Agents,  We sincerely believe that we are the best way to shop for any type of property insurance.  Home insurance, auto insurance, and even motorcycle and boat insurance. Why an independent agent? We are authorized to represent many different companies in order to give our clients plenty of options when it comes to their property and liability insurance. So what companies are we authorized to sell?

Allstate Insurance

ASI Lloyds

Condon Skelly

Berkley Classics





Grundy Insurance

Hagerty Insurance

Homeowners of America

Imperial Fire






Republic Insurance


American Modern

Texas Fair Plan


The Hartford



Chubb Insurance


This is not a static list, as we are always seeking out new insurance companies in order to give our clients even more choices. Contact your insurance consultant today, and take a look at how your current insurance rate stacks up against one of our many insurance companies.


Red White and Boom McKinney 2015

McKinney, Texas put on a great car show on the 4th of July, 2015. As usual we ran into lots of classic car insurance customers, and even some modern collectible car insurance customers. We love going to shows, and nothing makes your heart swell with American Pride on Independence Day more than an incredible lineup of (mostly) American steel. addison auto insurance addison car insurance addison collector insurance addison home insurance addison renters insurance car collection insurance carrollton home insurance collecots insurance dallas auto insurance dallas best agent dallas car insurance dallas classic auto insurance dallas classic car insurance dallas exotic car dallas exotic car insurance dallas exotic car insurnace dallas ferrari insurance dallas home insurance dallas homeowners insurance dallas insurance agent dallas lamborghini insurance dallas renters insurance frisco auto insurance frisco car insurance frisco classic car insurance frisco exotic car frisco exotic insurance frisco home insurane frisco homeowners insurance frisco renters insurance home insurance irving home insurance southlake independent insurance insurance advisor dallas insurance advisor plano insurance consultant dallas insurance consulting plano auto insurance plano car insurance plano classic auto insurance plano classic car insurance plano exotic auto insurance plano exotic auto plano exotic car insurance plano home insurance plano homeonwers insurance plano homeowners insurance plano insurance agent plano renters insurance race car insurance top rated insurance

How to Navigate an Insurance Claim – Part Two.

The last time we got together, I tried to explain how the deductible works, and some things that you should consider when choosing a property deductible. I’ll wait if you want to go back and read it again. Go ahead. Done? Good. Now that you have chosen how much deductible you are going to pay in the event of a loss, we can talk about when to use them.

We will start with the easier of the two – your auto insurance. I want to start the restof this article by saying this; you pay for insurance to protect your things. Sometimes, a claim just needs to be made. With auto insurance, mist claims are worthwhile, because you have had an accident. The only claims we caution clients to consider avoiding are windshield chip claims. While they won’t raise your rates directly, they can be problematic if we need to quote your policy with other companies. Unless your windshield is broken, it is best to pay for the chip repair yourself. With other claims, my personal rule of thumb is to consider the payout – if you have a $500 deductible, do you really need to make a $600 claim? Those types of claims are pretty rare on auto policies, due to the rising cost of auto repairs.  Also, remember that most car insurance policies now come with some form of roadside assistance, and if you have to use that service, it does not count as a claim.

The big question you should ask yourself when it comes to homeowner’s insurance claims is whether or not the claim is “worth it” or not. Just like with auto insurance, if you have an $1100 claim and a $1000 home insurance deductible, it’s probably not “Worth it” to make a claim. Most home insurance policies here in Texas have a 1% wind and hail deductible, so if you are in a $130,000 home, then you probably have a $1300 deductible. However, a hail claim doesn’t “count against you” for rate purposes. A water claim or a burglary claim, on the other hand, will increase your rates, so it’s imperative to consider what the claim is worth before you call the insurance company. Your first call should be to our office to chat with one of our consultants about your claim.

In fact, we even have a “claims advocate” here at The Phoenix Insurance to help guide you through the claims process. Hopefully, you will never need the advocate’s help, but if you have a claim and have any questions, concerns, or needs, he is here to help you understand the claims process, and make it a smooth one. Whether you have had an auto accident or a water claim on your home, our claims advocate is here to help you get made whole again as quickly and painlessly as possible.


Plano, Texas Shelby Car Show

Carroll Shelby was a rare person. This show in Plano, Texas gathered many of our classic auto insurance clients together on a beautiful Sunday to honor the cars of Carroll Shelby.auto insurance texasbest agent dallas car insurance texas exotic car insurance houston exotic car insurance texas ferrari insurance austin ferrari insurance dallas ferrari insurance houston home insurance austin home insurance colorado home insurance dallas home insurance denver home insurance frisco home insurance garland home insurance new mexico home insurance plano home insurance richardson home insurance southlake home insurance texas independent agent dallas independent agent texas lamborghini insurance austin lamborghini insurance dallas lamborghini insurance houston lamborghini insurance plano lamborghini insurance southlake lamborghini insurance texas lamborghini insurance

Town East Mall Pre Father’s Day Car Show

Car collecting and car shows are really a great family hobby. Everyone can enjoy going out to a show of like minded people, and admiring the work and love they put into either making their car their own, or restoring a tired old car to its former glory. This Mesquite show was a great place to meet up with several of our classic car insurance clients. auto insurance dallas auto insurance mckineey auto insurance mckinney auto insurance plano auto insurance best agent dallas best auto insurance dallas best home insurance dallas best insurance agent plano best insurance agents best rated insurance dallas car insurance (2) car insurance dallas car insurance fort worth car insurance frisco car insurance garland car insurance plano car insurance richardson car insurance southlake car insurance wylie car insurance car insurane mckinney classic auto insurance classic car insurance collector insurance dallas colorado car insurance custom auto insurance custom car insurance custom insurance customer service insurance dallas dallas insurance agent exotic auto insurance high value insurance dallas home insurance allen home insurance dallas home insurance frisco home insurance mckinney home insurance plano home insurance safeco home insurance homeonwers insurance dallas homeonwers insurance richardson homeowners insurance frisco homeowners insurance plano homeowners insurance independent insurance agent jewelry insurance dallas kansas car insurance rat rod insurance renters insurance safeco insurance dallas texas car insurance top rated agent dallas travelers insurance dallas

When it Comes To Insurance, How Should You Value Your Home?

I can’t tell you how many times I hear “That’s not what it appraised for” or “That’s not what I paid for the place” when I talk to clients about the amount that the insurance company wants to cover their house for. So I’m going to explain it to you, gentle reader, and help you understand why the insurance company wants to cover your house for “so much money”.

1. Appraisal value and sale value are just numbers.
The appraisal value is what the county thinks your house is worth – and everyone fights that number so they can pay less taxes anyway. Appraisal value is what you could theoretically sell your home for. Sales price is what you actually pay for your house. Sometimes (most times) the appraisal and the sale price are a vastly different number than what you should insure your house for.

You should insure it for more.

2. Replacement cost coverage is there to help you replace your house – it’s what you want.
Unlike when you wreck a car, if you have a house fire or something else happens to your house, you are married to the land it was built on. You don’t just toss them the keys and buy another house; you rebuild. Most people don’t consider the cost of debris removal when it comes to their coverage. When your house burns, you will have to take away all of the burned up house bits and build a new house. I don’t know if you have done any major rennovations lately, but debris removal is pricey. Insurance companies build a lot of houses every year, and they know what it costs to rebuild – and to take away the trash. Every company has a “replacement cost calculator” that they use to make the estimate. They ask lots of detailed questions about the house to arrive at the coverage. If you have bought a replacement cost policy and haven’t answered a ton of questions about your house, your coverage may not be accurate.

I guess if you have a pickup, you could save a few bucks on removal...

3. Actual Cash Value is a fool’s game.
Actual Cash Value (or ACV) coverage is a differnt kind of coverage – basically, you pick the number that you think your house should be insured for, and then get ready to be angry at claims time. This is the kind of home insurance that people who want to “just insure the house for what I paid” get. Well, here you get less than you insure for – and I’ll explain. An ACV coverage covers the home for Actual Cash Value – Less Depreciation. That “less depreciation” is the kicker there – say you have an average house, built in 1974, that you paid $140,000 for – that house is 37 years old, and will be depreciated somewhere beteween one and two percent per year for 37 years. Even if it is only 1% depreciation, it means that your home would be valued at $88,000 – before you pay your $1500 deductible. If the place were to burn down, you would be doing well to put up a trailer where your house once stood.

Home Sweet Home

Your home reperesents a significant investment – but more important, it is your home, a place where you will be dry and out of the cold, where you will hang photos of your kids, your dogs – and photos of your kid’s dogs.  When people come to me with lower coverage than they need, or whith an ACV policy, or with a really high deductible, it is because they didn’t take charge of their insurance.  Generally, when they have these “bad” policies, the price difference is negligible when compared to a policy that actually covers them well.

Don't save pennies to cost yourself thousands.