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ATVs can be a lot of fun, but the owner needs to be protected while operating it just like they are when they operate a motor vehicle. These policies are designed to protect the owner from collision, liability, and theft.  Sometimes, ATV insurance policies are classified in a group called ‘toy insurance’. There are several types of policies that are available. For instance, uninsured motorist policies protect the ATV should there be an accident with an uninsured or underinsured driver. The policy will also cover medical expenses if the ATV owner is deemed to be at fault in an accident.  In an accident that results in bodily injury or property damage, the policy will cover the owner if they are deemed to be at fault for the accident. A collision policy will provide for the repair or replacement of the ATV in an accident resulting in damages.  For additional coverage, you may consider a comprehensive policy. This provides coverage that is similar to the collision but allows for additional protection in the event of events such as vandalism or fire. ATV insurance is similar to auto insurance but has specialized features. The agents at Strack Insurance Services understand the needs of ATV owners in the Arlington, TX area.  

When considering the specialized coverage of ATV insurance, you may have questions regarding the types of policies and the amount of coverage that you need.  The agents at Strack Insurance Services help ATV owners in the Arlington, TX area get the right coverage for how they use their vehicle. They will answer any questions you have and work to keep your premiums low.  Every day they seek quality coverage for their clients. Call them today and get the protection you need on and off the road!

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What comes to your mind when you hear the word “wedding ceremony”? Most people will only think of a special occasion that honors a two lovely who are coming together on this special day to exchange vows. However, there is much more to it than just spending and celebrating the milestone in your life. Is your wedding day protected?

Keep in mind that you with your partner have invested so much money into your wedding and you don’t want something to mess it up. However, the truth is that disasters can strike any time including on your wedding day. That is why Strack Insurance Services brings you a wedding insurance policy in Arlington, TX to help you protect your big day. Here are three reasons why wedding insurance is essential.

It Covers Cancellation and Rearrangement

This is perhaps the biggest reason why you should purchase a wedding insurance policy. If something comes up which may force you to cancel your ceremony, then you can claim back the irrecoverable money that you had paid to the different wedding service suppliers in Arlington, TX or elsewhere. Conditions such as illness of the bride or the groom can lead to cancellation of the wedding. You will also be reimbursed if you are forced to rearrange your wedding on short notice.

Bankruptcy or Vendor Failure

Vendor failure can happen at any time – whether your wedding is one day or one year away. Imagine the reception venue that you had booked goes bankrupt and out of business leaving you without a reception venue on your big day! The wedding insurance policy will cover some of the expenses if your wedding day service providers leave you stranded on your wedding day.

Adverse Weather

Just like vendor failure, adverse weather conditions such as hurricanes, tropical storms, and tornados can wreak havoc on your wedding day and cause you to delay or postpone your wedding. In some areas, the severe weather conditions can be avoided hence the need for a wedding insurance policy that will protect you in case your wedding is interrupted by adverse weather conditions.

Are you looking forward to your big day? Contact Strack Insurance Services today for a wedding insurance policy and protect your special day.

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2018 ushered in some of the biggest tax law changes in decades, and among those rewrites of federal law, the healthcare requirements on individuals, better known as Obamacare, were rewritten as well. Originally, once the laws were in place, the individual had to either have healthcare coverage through an employer or secure it personally through a state-run healthcare plan. Those who did not do so would realize a penalty on their income taxes at the end of the calendar year when it came time to file.

With the new changes now in place, some in Arlington, TX and elsewhere have immediately rushed to cancel their coverage to avoid the cost. That may have been premature. While President Trump did sign the new tax law act in December 2017, the provisions affecting healthcare coverage mandate don’t take effect right away. In fact, the IRS is in full swing to enforce the mandate on tax filings through the tax year 2018. That means those who are not covered through employment or cannot show partial coverage in 2018 per the allowed exemptions will be hit with the mandate penalty on their next tax filing April 2019 or thereabouts. The confusion is definitely going to surprise many how just read in the news about the mandate change and don’t read the details of exactly when it occurs, as already seen by the call the staff at Strack Insurance Services have been getting.

Strack Insurance Services can help. If you have questions about where you are with your current coverage in Arlington, TX, you made the mistake of canceling prematurely, or you just want to know more about how the new rules work, give them a call today. The worst thing you can do is try to guess in the dark in 2018 and be hit with a penalty due to a bad decision.

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Extreme sports such as ATV and BMX racing are popular with both kids and adults alike. Residents who live in or near Arlington, TX can call the agents of Strack Insurance Services to make sure they have the right type of coverage in the right amount to protect themselves and others in case of an accident or other types of emergency.

Recreational Vehicle Insurance

When you own or operate any type of recreational vehicle, you need to have the right type of insurance. Recreational insurance covers you whether you are on the road or off and also during the types of activity that other types of policy don’t cover. Recreational vehicle insurance is designed to cover accidents that occur off-road and during certain types of events that involve ATVs, motorhomes, or vehicles used for recreational purposes.

Liability Insurance

Liability insurance is also necessary any time you choose to compete or participate in any type of racing or show event. Liability insures you against financial loss if someone else is injured or their property is damaged in an accident or mishap that you are involved in. This type of coverage is extremely important because it covers bodily injury in addition to property damage.

If you are involved in any type of ATV or auto racing, you need to make sure you are properly insured. If you live in Arlington, TX or any of the surrounding communities, call the agents of Strack Insurance Services and schedule an appointment today. The agents can answer all of your questions and make sure you have the right type of insurance coverage at all times.

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You may have heard about flood insurance and are wondering if it is a required part of your home insurance policy. If you live in a high-flood-risk zone and you have a mortgage on your home that is financed through an insured or federally regulated lender, flood insurance is required by law. Flood insurance is not a requirement otherwise-however it is often recommended as an added assurance to limit your risks as a homeowner.  

If you live in Arlington, TX or the surrounding areas, flood zones are outlined by the government as to which locations will require flood insurance as part of the home insurance policy. Rivers and other small bodies of water can overflow after steady, heavy rain and as the result of natural weather phenomenon, like tropical storms and hurricanes. Strack Insurance Services can help you understand the type of flood insurance that will work for your home.

If you don’t live in a flood-insurance-required zone, having flood insurance is still a wise investment. When bodies of water overflow, the damage that is incurred can span for miles and include roads and highways, businesses and homes. These situations are not ones that can be controlled, or even fully prepared for against water damage. If you don’t have flood insurance and there is a flood, you are prone to water damage to your home and property- and you won’t have the financial backing of an insurance policy behind you.

Strack Insurance Services serves the Arlington, TX area and is fully versed in home insurance protection policies, including flood insurance. To alleviate the possibility of potential water damage to your home in the future, our experienced and professional flood insurance agents are here to help you. Contact us today to learn more. 

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ATV insurance, as with most recreational vehicle insurance, is almost never required by the state in which you live. In most cases, this type of insurance is an optional coverage that is used to protect the ATV and in some cases the rider. For those that are riding in areas that are private property or that are pay trails, the owner of the property may require you have insurance to protect themselves should something happen while you are riding on their property. For those in the Arlington, TX area, the agents with Strack Insurance Services can help you find the right coverage.

Overall, ATV insurance and similar insurances are in place to protect the rider and to protect the ATV should something happen to it. This is going to help the rider to recover the cost of the ATV should something happen or should it be damaged while you are riding. Unlike a car that is thousands of thousands of dollars to replace and that is driven on public roads where it may come in contact with other vehicles and may cause major damage or even death to other drivers, ATVs are generally driven on private property and are not allowed on the road.

Also unlike houses that are tens of thousands and that the bank finances, you are not going to have to worry about a huge loan on an ATV like you would a house so your lender may not require coverage. If you feel you need coverage for your ATV, it is always best to talk with an agent and see what types of coverage there are and what you can do to get the right coverage for you. For those in the Arlington, TX area, the agents with Strack Insurance Services can help.  

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Texas is known for its many great RV parks, which can be found all over the state, including on the Gulf Coast and near the Rio Grande River. If you want to explore the country at your own pace, with all the comforts of home, your RV is a great investment. Whether you use it for weekend getaways or for that great summer road trip, you have a home away from home that you can use to fulfill your travel dreams.

But if you are someone who only gets to drive your RV at certain times of the year, you may be wondering if you could save money by only buying an insurance policy that covers your RV when you are using it. If you have an RV insurance policy through Strack Insurance Services, you may be thinking that you shouldn’t have to pay when you are simply storing your RV at your home in or around Arlington, TX.

There are some good reasons you should probably have a policy that covers your RV year-round. The first reason is that you may actually be required by your lender if you borrowed money to buy your RV. Depending on your contract, you may actually be forced to buy a more expensive insurance policy if the lender finds out that there is a period of time when you did not have a full coverage policy on your RV.

Your RV is a serious investment, and your homeowner’s policy will probably not cover the full amount if you experience a loss because of fire or theft. If you want to explore your options to see if a year-round RV insurance policy would benefit you in Arlington, TX, call Strack Insurance Services today.

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During the warm summer months, one of the best ways to spend a long afternoon is to go for a boat ride on a local lake. While owning a boat can be a lot of fun and give you plenty to do, it is a big asset as well. To ensure that your asset is properly protected, getting boat insurance is a necessity as it can protect you several different ways.  

Provides You With Liability Coverage

One of the main advantages of having boat insurance is that it will provide you with liability protection and coverage. When you are on a boat in the open water, you are taking on some level of responsibility for all other people in the water, people in your boat, and other boats in the area. If you happen to be found at fault in an accident, you could be held liable for all related costs associated with the accident.  If you have a boat insurance policy in place, you will have the protection that you need.  

Protects Your Asset

For those that have a boat in the Arlington, TX area, having insurance is also important as it will help to protect the asset. A boat is a very valuable asset that could be very expensive to replace if it is damaged or stolen.  When you have a boat insurance policy to protect the asset, you will be reimbursed for any costs that you incur associated with an accident, theft, or vandalism. 

If you have a boat in the Arlington, TX area, you should contact the Strack Insurance Services company. Strack Insurance Services will be able to provide you with insight to determine what your boat insurance needs are and help you get into a policy that provides you with adequate protection.  

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If you ride a motorcycle in the State of Texas, you must have insurance on the vehicle, and you need to carry proof that you have an active policy while you’re on the road. If you fail to meet this “financial responsibility” requirement, you could face certain penalties. And it can include steep fines or a suspension of your driving privileges.

Showing Proof of Motorcycle Insurance

Before you can register a motorcycle in the State of Texas, you need to provide proof of insurance, and the card that your insurance company gives you is accepted by the Department of Public Safety. If you get pulled over while you’re on the road, you must show the officer this document, or you could be penalized.

If you want to find a quality provider of motorcycle insurance in Arlington, TX, Strack Insurance Services has a team of agents who can help you find a policy that will meet state requirements, and we can do it at a price that you can afford. Be sure to contact our office to get more information. We would be happy to speak with you!

If You’re Unable to Provide Proof of Financial Responsibility

For your first offense, the officer will give you a traffic ticket, and you’ll be fined $350 as well as any additional court fees. If you repeat the same offense, the fines can go up to $1,000, and you could have your driver’s license suspended for a maximum of two years.

If you want more information about what you need to prove financial responsibility for your motorcycle, Strack Insurance Services in Arlington, TX can help you. We have been serving the area’s insurance needs for a long time, and we can provide you with quality coverage that you can afford. If you want to get a policy that will meet state requirements, get in touch with us today!

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Mobile or manufactured homes come with insurance coverage that is different from the traditional home insurance. These kinds of homes are built at the factory and then transferred to their planned location. They are vulnerable to numerous risks, and that makes their insurance coverage to be unique. Most people wonder what the differences between the two are. However, for the most part, the two insurance are pretty the same in many things, but you have to keep in mind that mobile homeowners have different needs from the regular house owners.

Some of the coverage offered by Stack Insurance under mobile home insurance in Arlington, TX includes;

Physical structure

This can be classified under comprehensive coverage.  If your manufactured house suffers physical damage from hazards such as storm, theft, fire, and vandalism, then having an insurance policy saves you the cost of repair and replacement for the losses. Moreover, other structures in the lot such as the garage or patio or your personal belongings like a motorcycle that could have been involved in the damages are also included in the coverage. However, some coverage only caters for particular or specific causes of losses, and you will need to check with your agent to know what is included and what is not included in the policy. Just like the traditional home insurance, most mobile home insurance does not include flood coverage.

Emergency removal

If your mobile home suffers severe damages, there could be the need for it to be moved from your property. This type of coverage caters for such expenses.

Trip collision coverage

If your home suffers damages as a result of an accident during the relocation or during the regular movements from one place to the other, this policy saves you the repair and replacement expenses.

The regular or traditional home insurance does not have these types of policies as it does not have to be moved from place to place and it is built on a strong foundation saving it from most of the dangers faced by mobile homes.

If you wish to understand more about this insurance in Arlington, TX, visit Stack Insurance. Let our experts’ help you get the best coverage after listening to your needs.

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