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Fort Wayne, IN 46809

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Home & Auto Insurance (McKinney, TX)

Home (McKinney, TX)

Owning your own home can give you a great sense of pride and accomplishment. Along with that, however, also comes a great deal of responsibility. Among the many things which homeowners must consider is home insurance. At Wise Insurance Agency, serving McKinney, TX, we love to take the time to help educate our clients and future clients on important topics such as these. Keep reading to learn what you need to know about home insurance in Texas.

Why Is Home Insurance Important?

Your home is probably the most significant investment you'll make. You put a lot of time and money into your home. Because of the magnitude of this investment, you want to make sure that your investment is protected. If there is damage to your home, you want to know that you will be able to pay for repairs or even replacement of your home without placing your family into a financially vulnerable position. Home insurance helps with this in Texas.

What is Covered Under Home Insurance?

A home insurance policy can be customized to suit your particular needs, but in general, a home insurance policy will cover the following areas:

  • Property Damage - This critical type of coverage will kick in if there is damage to your home due to fire, natural disaster, or burglary. Your policy can pay to have your home repaired and your lost items replaced. It is vital that you evaluate the value of your personal items carefully to make sure that your policy will cover you adequately. You can speak with an insurance representative to learn about valuing your items.
  • Liability - This type of coverage is vital to have if someone is injured in your home or on your property. This coverage will kick in to pay medical bills or legal fees should they apply.

If you would like to learn more about homeowner's insurance, please contact our friendly staff at Wise Insurance Agency, serving McKinney, TX.

Auto (McKinney, TX)

Drive legally and confidently in Texas

Whether this is your first insurance purchase or your 50th, the independent agents at Wise Insurance Agency. in McKinney, TX want to find the right policy for you. Protect yourself and the other drivers of your vehicle with appropriate, reliable, and affordable car insurance. Whether you prefer staying on the scenic back roads, or cruising the Texas highways, you need a quality auto insurance policy.

Do not let your policy auto-renew

Do not let your policy auto-renew year after year. Check to see if you qualify for a lower rate. Review and update your coverage at least once a year. Certain life events may change your coverage needs, for example, a new teen driver, a child leaving for college, a milestone birthday like a 25th, a marriage, or the purchase of a new vehicle. Your choice of car color won't affect your insurance rate, but your choice of metallic sheen paint might. Sometimes a change of residence will even change your rates, and so might retirement or changing to a telecommuting job. Insurers in Texas cannot deny you coverage based on your credit score, but they can raise your price. Check your credit report for inaccuracies before purchasing insurance.

Shopping for auto insurance can seem tricky, but we do it every day. Navigating the roads of coverage types isn't easy. We will help you decide what you want to purchase in terms of liability, collision, comprehensive, personal injury, and underinsured motorist coverage.

Request a no-obligation quote

Our agents know the Texas auto insurance regulations. Ask us for a no-obligation quote on car insurance. If you are near McKinney, TX, stop into our office and meet with one of our experienced agents. Contact the office of Wise Insurance Agency to schedule a confidential appointment to discuss your auto insurance needs and budgets.