Month: August 2024

What are the Age Restrictions for Driving in Texas?

Posted on by AgentInsure

What You Need to Know About Auto Insurance Age Limits in Texas

Driving through the highways and paths of Coppell, TX, is an exciting journey; however, the state places several restrictions on the age of individuals before they can traverse the open road.

Drivers Under 18

Teenagers can start their required driver’s education course as early as 14 but cannot apply for a learner’s license until they are at least 15.

Drivers Aged 18 and Over

Texas residents aged 18 or older can apply for a driver’s license with the proper documentation. The license stands valid for at least eight years. For those aged 18 to 24, the Impact Texas Driver test and the Driver Education course must be completed, but only if the individuals are not already licensed.

Motorcycle Licenses for Ages 15 to 17

The application for a license starts at age 15, but there’s a stipulation about engine size up to 250cc until the applicant turns 16. Unless you already have a Class C Learner’s License, the 32-hour classroom driver’s education course and a riding skills test must be passed. A guardian or parent must accompany a minor when applying.

Senior Drivers

Seniors aged 79 to 84 can attain a license that’s valid for six years, and seniors 85 or older get a license that lasts for two years.

Contact The Select Insurance Agency for Coverage

Are you in need of age-based auto insurance in Coppell, TX? Give a call to our helpful team at The Select Insurance Agency. Our dedicated members can guide you through the requirements as necessary.

What Types of House Fire Causes Are Covered Under Your Home’s Insurance Policy?

Posted on by AgentInsure

Understanding the Causes of House Fires and Insurance Coverage

House fires are a homeowner’s worst nightmare, and knowing what fire causes are covered under your home insurance policy provides peace of mind. At The Select Insurance Agency in Coppell, TX, we consistently help our clients understand these details to ensure they’re adequately secured. Let’s explore the common causes of house fires and how your insurance could provide coverage.

What Triggers House Fires?

Electrical issues, kitchen accidents, heating equipment failures, and smoking incidents commonly cause house fires. Electrical fires could stem from faulty wiring, overloaded outlets, or malfunctioning appliances. Kitchen fires often originate from unattended cooking or grease fires. Fires can also start due to heating equipment, like space heaters placed too close to flammable materials. Smoking-related fires usually occur when cigarettes aren’t correctly extinguished.

Coverage for Electrical and Kitchen Fires

Most standard home insurance policies cover damages caused by electrical and kitchen fires. This accounts for fires resulting from faulty wiring, short circuits, or defective appliances. Whether the fire was caused by an unmonitored stove or an accidental grease flare-up, your policy generally covers the subsequent damage, including structural repairs and destroyed item replacements.

Heating Equipment and Smoking-Related Fires

Fires caused by heating equipment and smoking are generally covered. But there could be some exceptions. For instance, if negligence is involved, your coverage might not apply. Smoking-related fires are typically covered if they align with the policy’s terms and conditions.

Every insurance policy has its fine points. Therefore, it’s essential to understand your specific coverage and any potential exclusions that may apply. At The Select Insurance Agency, we dedicate ourselves to helping Coppell, TX homeowners navigate through their insurance needs. Contact us today to review your policy and ensure you’re entirely protected against fire risks.

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