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What New Drivers Need to Know About Windshield Damage

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Chips and cracks in windshields can be a nuisance, and getting them repaired or replacing them is necessary. Ignoring the crack, especially near the windshield’s edge, could lead to more severe damage. For many people, insurance will cover a significant portion of the repair or replacement cost, depending on their coverage. However, for some, insurance may not cover anything. If you fall into this category, you could be facing a hface. It would be best to consult an insurance agency like Allen Jones Insurance Agency in Seguin, TX, to avoid such unexpected expenses.

The law does not mandate Windshield Coverage.

Windshield repair and replacement are covered by comprehensive insurance. However, Texas law only mandates coverage for property damage and bodily injury, i.e., liability only. Therefore, if you opt for only the legally required minimum coverage, you may have to pay for windshield replacement or repair out of pocket. This can be a nasty surprise when you take your car in to get the damage fixed.

Comprehensive coverage is not that expensive, and it’s much cheaper than paying for repairs yourself. Remember, chips can only be repaired under certain conditions; they can’t be directly in your line of sight, and they can’t be larger than a specific size. If they are, you’ll have to replace the windshield, which is significantly more expensive than any insurance premium.

If you don’t have comprehensive insurance, you should consider contacting an agency like Allen Jones Insurance Agency in Seguin, TX. Increasing your auto insurance coverage to include comprehensive and collision, along with other coverages, can help protect you financially and provide peace of mind should something happen to your windshield.

Commercial Insurance Policy Add-ons

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Commercial insurance is an important aspect of any business, and while most policies are satisfactory for owners, some may find that they want a little extra protection. Those who want more comprehensive coverage to ensure their business is fully protected may want to learn about the many commercial insurance policy add-ons available. Our Allen Jones Insurance Agency agents in Seguin, TX can help you understand what’s already included and what else you can add.

General Add-Ons for Commercial Insurance

When it comes to add-ons, most companies will generally feature umbrella, environmental pollution, professional, and cyber liability coverages. Each of these add-ons is often the most frequently added due to how modern-day businesses operate. That said, owners can customize their coverage plan, with umbrella insurance leaving them room to add specifics.

Another common one is commercial auto insurance add-ons. These policies are designed to help protect company property and employees. Car crashes can be very detrimental to any business if not properly insured.

Other Types of Add-Ons

Aside from the general add-ons, there are also specialized add-ons that aren’t as common. Depending on the business, one may want to add business income, contingent business interruption, spoilage coverage, and more. They may also be used for employer liability, occupational disease, and volunteer workers’ compensation.

How to Choose What Your Business Needs

Selecting the right add-ons can be highly beneficial in the long run. If you forget to add a specific coverage, there can be plenty of issues. That’s why it’s best to talk to a qualified professional about your many different add-on options. We want to help you get a suitable commercial insurance policy and can help you walk through your available options. So, contact our agents at Allen Jones Insurance Agency in Seguin, TX.

How Nature’s Fury Can Affect Your Home Insurance in Seguin TX

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Understanding the Impact of Natural Disasters on Your Home Insurance in Seguin, TX

Seguin, TX, is known for its mix of small-town hospitality and modern amenities, making it an idyllic place to call home. Despite the tranquil surroundings, homeowners can’t ignore the potential for nature’s fury, which often comes in the form of seasonal hurricanes, tornadoes, and thunderstorms.

With insights from professionals at the Allen Jones Insurance Agency, let’s examine how thunderstorms, tornadoes, and hurricanes can affect your home insurance policy.

How Can Nature’s Fury Affect Your Home Insurance in Seguin?

With the hurricane season approaching, local homeowners begin to double-check their policies to ensure adequate protection. Nature’s most violent storms often come with high-velocity winds, pounding rain, hailstorms, and droughts that can lead to costly property damage.

These damaging storms often cause an influx of insurance claims when homeowners reach out to their local agents seeking help to restore their lives.

Don’t Get Caught Unprepared

Comprehensive home insurance is one of the best ways for local Texans to protect their homes and families from the devastating financial losses that natural disasters can cause.

Speak with a trusted local insurance agent to learn more about the types of home insurance coverage available to protect your home from such calamities as:

  • Tornadoes
  • Hurricanes
  • Hailstorms
  • Windstorms
  • Droughts

Comprehensive home insurance covers natural disasters and a wide variety of uncommon perils, making it much easier to replace your most valued possessions after a storm.

Contact the trusted local professionals at Allen Jones Insurance Agency in Seguin, TX, today for a comprehensive home insurance quote!

When Is the Best Time to Buy Bonds Insurance?

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Choosing when to purchase bond insurance is a personal decision, as our team at Allen Jones Insurance Agency in Seguin, TX, knows. Although we can’t specify the best time for you to purchase this kind of insurance policy here, we can let you know when it may be an excellent time to buy it in general. The first time many folks think about purchasing bond insurance is when they are about to score a major client who requires bond insurance as a condition of working together commercially. As you’ll see below, the phrase “better late than never” doesn’t exactly apply to this kind of insurance. A delay in purchasing a bond insurance policy could have devastating consequences on the success of your business or the facilitation of a meaningful commercial partnership.

When Is the Best Time to Purchase Bond Insurance?

If you suspect you may need bond insurance in the near future for a business venture or to assure a client of your legitimacy, it’s a good time to look into bond insurance. After all, you don’t want to wait until you need bond insurance to get it. This could cause you to risk missing out on a client and losing money in the process, which is a great opportunity.

When you don’t know whether it’s an excellent time to buy bond insurance, our team can help you determine whether purchasing this kind of policy is wise based on your circumstances and business goals. Work with the professionals to decide when to buy bond insurance. We’ll ensure you don’t find yourself unprotected in a situation where bond insurance could be helpful.

For more information, call our Allen Jones Insurance Agency office in Seguin, TX!

Builders Risk Insurance Vs. Contractors Insurance

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Our representatives at Allen Jones Insurance Agency in Seguin, TX, strongly recommend that anyone in the construction business invest in the right type of insurance to protect you and your company against certain costs. Contractors’ and builders’ risk insurance policies cover different types of losses, and having them both can be valuable for owners.

Builders Risk Insurance

Builders risk insurance covers materials, contractor equipment, and property related to a building’s construction. This includes losses due to issues including:

  • Vandalism
  • Theft
  • Weather Damage
  • Earthquakes
  • Water Damage
  • Mechanical Breakdown

Some policies can be extended to cover scaffolding, temporary structures, and debris removal after indices.

Contractors Insurance

Contractors’ general liability insurance protects policyholders against both property damage and bodily injuries at job sites. You’ll be protected if an injury occurs and any legal fees that accrue due to it. However, it doesn’t cover your equipment or property like builders’ risk insurance. Incidences include:

  • Property damage caused by you or a crew member.
  • Injuries to those injured on the property.
  • Lawsuits due to libel, slander, false advertisement and infringement.
  • Damage to a rented commercial space.

Builders Risk Insurance and Contractor Coverage: Which Policy Covers What?

General Contractors liability coverage may be required by law as a safeguard. The policy essentially covers any liability for work you or your subcontractors perform. It also protects company equipment, building materials, and structures. Builder’s risk insurance is also known as home builder’s, course of construction or contractor’s all-risk insurance that covers properties during construction projects, remodeling, and renovations.

Let Us Help You Get the Right Coverage

Our experienced agents at Allen Jones Insurance Agency in Seguin, TX, are here to help you get the coverage you need for your construction services. Contact us today to get a quote.

Three Things to Ask Your Agent About Auto Insurance

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If you have questions about auto insurance, you’re definitely not alone, and the way to get answers is to work with a trusted agent who can help. In the Seguin, TX area, that means reaching out to us at Allen Jones Insurance Agency. We know that insurance can be confusing and you don’t want to pick the wrong policy for your needs and goals. To make getting the right policy as efficiently as possible easier, here are three things to ask the agent you work with.

  1. Can I see quotes from multiple insurers?
  2. How often should I update my policy?
  3. What specifics should I look for?

Getting multiple quotes is one of the best ways to ensure you’re getting the value you deserve when you choose an insurance policy for your vehicle. Additionally, these quotes can help you shop for an insurer that offers the type and level of coverage that fits your needs so you feel protected and have peace of mind when you drive.

Updating your policy is also very important, because your circumstances can change. If you need to add or remove a driver or vehicle, you move, or you have other big changes that affect your vehicles or anyone who drives them, those are good times to update your policy. Even if nothing changes, reviewing it with your agent at least once per year can help ensure it’s properly up to date.

Contact us today at Allen Jones Insurance Agency if you’re in the Seguin, TX, area and looking for auto insurance. We can help you consider all the specifics of any policy you’re considering, such as what it actually covers, what kind of deductible you’ll have, and other details. Then, you can have the coverage that fits your life.

What are the risks of not having commercial insurance

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Business insurance remains one of the biggest expenses for many companies and small businesses. However, without insurance, your business is open to numerous risks. Also, operating a business without insurance means being unprepared if something goes wrong with your product or service. Keep reading this blog post to know more about the risks you may face if you decide to skip or cancel your commercial policy. 

What are the risks of running a company without commercial insurance?

Here is a list of the most common risks that many companies face: 

  • Financial risk. Unexpected situations happen every day. Floods, fire, vandalism – these are just a few examples. The worst thing about them is that you cannot predict them. If you do not have commercial insurance, the situation can be even worse because you will have to cover all the expenses associated with these events out of pocket. 
  • Legal risks. Clients and customers often take legal action against businesses. Lawsuits are usually expensive and physically and emotionally draining. Without insurance, you remain entirely unprotected and have to deal with such situations yourself. 
  • Risk of losing your business. As mentioned above, many catastrophic events can destroy your business. If you do not have commercial insurance, you must restore or lose your business. 

One of the best things you can do for your business and yourself as a business owner is to purchase commercial insurance. Even if it seems like a waste of money, it can save you thousands of dollars. Are you shopping for business insurance in Seguin, TX, or nearby? Allen Jones Insurance Agency is here to assist you. We know everything about insurance and will help you find the perfect policy. 

Homeowners Insurance Named & Unnamed Perils: What’s Covered, What Isn’t

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Perils are risks that cause damage. For example, falling trees or water damage are considered risks or perils. Here at Allen Jones Insurance Agency in Seguin, TX, we’ll explain the difference between named and unnamed perils and some things they cover.

Named Perils

Named perils are risks specified in writing within the insurance policy, which means the peril will be covered. Anything named is not included, as everything listed in the policy is included by default. Theft and fire are prime examples of named perils.

Unnamed Perils

Also known as all-risk insurance, all-risk is the opposite of what we call named perils. Almost everything is covered under an unnamed peril policy that is more comprehensive than all risk coverage. Unexplained losses are also generally covered.

All Risks and Name Perils Under the Same Policy

It’s possible to have coverage that says all risks apply to your leasehold or building improvements, with named perils applying to your personal property. It’s also feasible to have an all-risk policy with a few property types considered named perils. This is why knowing more about this type of coverage is so important.

Exclusions and Additional Coverage

Items that are considered exclusions under a policy may have some limited coverage. Simple risks like normal wear and tear and depletion are excluded, though. However, add-ons known as endorsements or riders can help cover these costs. These can be useful to add on to just about any home policy.

Interested in Maximizing Your Home Insurance Coverage?

Are you trying to understand the complexities of named and unnamed perils in your home insurance policy? Don’t go at it alone. Contact one of our experienced agents at Allen Jones Insurance Agency in Seguin, TX, for more information.

A Simple Guide to Bond Insurance

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Nurturing Businesses with Allen Jones Insurance Agency

Based in and around Seguin, TX, Allen Jones Insurance Agency is committed to helping businesses find the insurance they need. One such insurance is bond coverage, which can shield businesses from various financial challenges and provide support, thereby helping to keep them safe.

Demystifying Bond Insurance

Bond insurance is a protective layer that safeguards bond insurers from non-payment from the holders. Should they go into default, a bond insurance policy can help mitigate serious long-term complications and ensure a smoother experience for you.

The Value Proposition of Bond Insurance

Are you curious about the benefits of bond insurance protection? Here are a few advantages you stand to gain:

  • Protect your investment: Bond insurance offers repayment in the event of a default, cushioning your finances, given that bonds represent an investment for your firm.
  • Enhance your credit rating: By underpinning your bond with a bond insurance policy, you can effectively signal your seriousness about protection to credit firms, thus improving your credit rating.
  • Increase market appeal: By reinforcing your bonds with sound insurance policies, you can boost their appeal and achieve a more robust portfolio.

Acquiring Bond Insurance

Your insurance provider can assist you with setting up comprehensive bond insurance applicable to every bond you offer. They can also guide you through the terms of insurance policies, enhancing your understanding of their scope and benefits—a tremendous advantage for you.

Get in Touch with Allen Jones Insurance Agency Today

Does your company in Seguin, TX, require bond insurance? Allen Jones Insurance Agency can help! Contact us if you’re interested in this type of protection, and our team will provide the necessary support every step of the way.

Does Builder’s Risk Insurance Cover Theft?

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Safeguard Your Construction Site: The Necessities of Builder’s Risk Insurance

It is commonplace to find a plethora of valuable materials and equipment at construction sites, especially when a new home, storefront, or office is being erected in Seguin, TX. Unfortunately, these pricey items often become hot targets for thieves. Commodities such as plumbing fixtures, copper wirings, and appliances turn construction projects into appealing prospects for criminals. Employ builder’s risk insurance to reduce any potential losses.

What Does Builder’s Risk Insurance Cover?

This insurance plan commonly includes coverage for theft of materials used in construction or renovation and most fixtures. However, many policy packages usually exclude larceny committed by your workforce. If employee theft is a critical concern, certain business insurance types can cater to this need.

Understanding Builder’s Risk Insurance Policies

Insurance policies vary; some, for instance, insure construction tools while others don’t. Others might cover most tools but exclude larger equipment. Adequate coverage for heavy machinery can be added through a rider. Don’t hesitate to consult your insurance agent for more specifics.

Insurance Coverage for Motor Vehicles on Construction Sites

Commercial trucks and vans are often integral to construction projects. Regrettably, they can be stolen when employees are occupied elsewhere. While some builder’s risk policies cover vehicles on-site, many do not. In such cases, a commercial auto insurance policy will more likely provide coverage for a stolen or broken vehicle.

How the Allen Jones Insurance Agency Can Help

For those eyeing builder’s risk or other business coverage, the Allen Jones Insurance Agency’s specialists can assist you in finding the plan that addresses your needs. We have connections to varying policies offered by 40 different insurance providers. That allows us to offer the best possible insurance tailored to your company’s specific requirements. As an independent local agency, we proudly serve the entire Seguin, TX area, along with the rest of the state. Reach out to Allen Jones Insurance Agency for a quote or additional information.