For over 10 years, The Select Insurance Agency has proudly served the Coppell, TX community by offering residents multiple types of coverage. We have working relationships with over 20 carriers throughout the state. Our primary goal is to make sure that you find the insurance policies that you are looking for.

Exploring The Different Types Of Property Insurance

If you are a property owner in the Coppell, TX community, it’s important that you protect yourself. Property insurance covers your unit if unexpected damages were to happen. You’ll be protected if you need to make some repairs to your property. Your personal belongings inside of the unit are also covered if they are stolen or damaged. You can add extra protection to your policy if you have any luxury items inside the unit. There are several different types of property insurance.

Home Insurance

The policy covers one of your most important investments. Whenever inclement weather passes through Texas, you can have peace of mind knowing that your property is protected if a natural disaster happens. Liability protection is an asset if you invite someone over and they get injured on your property.

Mobile Home Insurance

Whether you live in your mobile home year-round of periodically, property insurance will help you protect your asset. You will be protected if your property is damaged by floating debris or severe weather. All of your personal items inside the home are also covered.

Condo Insurance

Property Insurance covers all of your personal items in the unit, as well as the carpeting and cabinets if they are damaged. Take inventory of your personal items so that you’ll be able to receive fair value if you are a victim of theft.

Consult With The Select Insurance Agency

Visit our website to learn more information about property insurance.  

For Coppell, TX residents with elderly family members or relatives, long-term care insurance is something that may be beneficial. However, some residents wonder if it’s time to get a long-term care insurance policy and aren’t sure what exactly this type of insurance covers. Learn all of the in’s and out’s of long-term care insurance with The Select Insurance Agency!

What Does Long-Term Care Insurance Cover?

With long-term care insurance, you get a different kind of coverage than you do with other insurance policies. Long-term care insurance provides you coverage for expenses related to caring elderly people, physical rehabilitation, and other forms of long-term medical care and recovery. Here are some areas in which long-term care insurance can provide coverage:

• Mental or nervous disorders
• Drug or alcohol abuse
• Illness or injury sustained from war
• Treatment in a government facility
• Self-harm

These are just some of the areas in which you can receive coverage from long-term care insurance. The specific coverage type and the amount will depend on what type of policy you choose. To find the right long-term care insurance policy for you, visit The Select Insurance Agency for a consultation. 

Why Is Long-Term Care Insurance Important? 

Whether you’re caring for your elderly relatives, receiving your own physical or mental rehabilitation, or enduring some other form of long-term medical care, long-term care insurance can provide you with financial relief for the expenses of this care. No one ever plans or looks forward to long-term care insurance, but it’s something to consider when it happens. If you are planning on receiving or working with people who are receiving long-term care, then you will need a coverage policy to help you handle the expenses. 

Get Covered with The Select Insurance Agency

When it’s time to choose a long-term care insurance policy, visit The Select Insurance Agency to find the perfect policy for you. Our office serves the Coppell, TX area. 

You already know that insurance changes from time to time. Your auto insurance rates might go up as time goes by, or you might choose to cancel your home insurance when you move. But what about life insurance in Coppell, TX? The name might imply that when you buy this insurance, it’s valid until someone needs to use it. However, this is not always the case. The Select Insurance Agency is here to tell you the difference between term insurance and permanent insurance.

Insurance When You Need It

All people will buy life insurance for the people that they love and want to care for, but not everyone will use their life insurance in the same way. Some will buy permanent life insurance, meaning the policy is available to listed dependents at any time. However, some will simply want to provide for others until they can provide for themselves. So a mother might choose to buy a policy and set an expiration date based on when she believes her children will no longer need the financial assistance. This will usually be when her youngest child turns a certain age (e.g., 18, 21, or 25). 

Deciding Between the Options 

What kind of policy you choose depends on your specific needs. Some people might want a policy with a savings component, meaning they can draw from it if they run into an unexpected emergency to pay for things. Each option comes with its own positives and disadvantages, depending on what you want. If you have questions about how specific types of policies work, The Select Insurance Agency is here to help. We’re here to serve those in Coppell, TX, and get them the information they need to make smarter decisions. 

Most of us understand how expensive healthcare can be, particularly if we are faced with an unexpected health emergency. This is one of the many reasons why health insurance can be beneficial to people of all ages. Everyone gets sick at one point or another, and as we age, our healthcare needs may change or increase, making it necessary to invest in a policy that doesn’t require us to pay for our health needs out of pocket. 

What is Health Insurance?

Health insurance is an insurance policy that gives you access to doctors and emergency care for a set fee. As a result, policyholders spend less money on their healthcare than they would if they were paying for their healthcare out of pocket. Similar to auto insurance, homeowners insurance, and other types of insurance, you choose a plan, pay a set amount or premium, and the health insurance company pays for a portion of your healthcare. Typically, you pay a set amount every month to maintain your health insurance coverage. The Select Insurance Agency of Coppell, TX helps potential and existing policyholders understand the benefits of health insurance and choose plans that reflect their needs and preferences. 

How Does It Work?

Before you ever visit a doctor’s office or emergency medical facility, a health insurance policy outlines how much you will pay each month and how much you will pay when you visit a doctor’s office or seek emergency medical care. This allows the policyholder to select a plan that fits their budget as well as their preferences without any surprises. This can be real savings when it comes to paying for your healthcare because the insurance company absorbs some of the costs for your medical coverage. Our team at The Select Insurance Agency of Coppell, TX wants to ensure that you understand the benefits of health insurance as well as how it works. Give us a call. Were here to help. 

Based in Coppell, TX, The Select Insurance Agency assists the community by helping people find the insurance coverage that they need. As an independent insurance agency, we are able to analyze all of our client’s situations and help them find the insurance coverage that aligns with their goals.

Dental Insurance

Dental insurance allows you to maintain the health of your teeth and gums. The policy covers preventative care, such as regular cleanings. The policy also covers any X-rays, root canals, extractions, and fillings that you have done. In some cases, the policy will cover large procedures like crowns, inlays, and bridges.

You may have to amend your policy to provide coverage for getting braces, getting your teeth whitened or shapes, gum contouring, or veneers.  

If you have a dentist in mind that you would like to visit, you should be able to consult with them. However, if you are unsure about which dentist to choose, you have access to a network of dentists through your policy. Make sure that you are aware of the mandatory waiting period of the policy. Thoroughly research your policy before making a decision.

While individual policies often come with a short waiting period, group policies may have more benefits. Finding the right policy comes down to analyzing the overall health of your teeth. Also, research the policy to see about your coverage options if you have to go to the emergency.  In order to maximize the benefits of your policy, try to schedule appointments in advance throughout the year.

The Select Insurance Agency Can Assist You

 We understand that you want to maintain a bright and healthy smile, that’s why we will sit down with you and help you find the right dental insurance policy for your needs. Stop by our office in Coppell, TX today.

Any business owner in the Coppell, TX area will need to have several forms of insurance. One form of coverage to consider is worker’s comp insurance as it can benefit a company in several ways. 

Benefit to Employees

One of the advantages of getting a worker’s comp insurance policy is that it is a benefit for your employees. Being able to protect your team is something that all business owners should take seriously. One great way to do this is by getting worker’s compensation. This employee benefit will ensure that your team members will be financially covered and protected if they are injured while working on the job. While it is not required by law in Texas, it is still a valuable benefit that employees will appreciate.

Limits Liability Risk

An added benefit of a worker’s comp insurance policy is that it can limit your liability risk. If you have a team member that is injured while working, they will rightfully want to receive coverage for their injuries sustained and lost wages. If you do not have a worker’s compensation policy in place, the next place they will look is to pursue the business and owners for compensation. With worker’s compensation, you do not have to worry about this risk.  

Any business owner that has at least one or more employees in the Coppell, TX area should carefully consider their worker’s compensation insurance needs. When shopping for this insurance, it is easy to be confused by all of the options available. Fortunately, the team at The Select Insurance Agency can make this process easier for you. When you speak with The Select Insurance Agency, the team of insurance professionals will explain your options and help you to get into a policy that is ideal for your situation. 

Recreational toys are a great way to spend time with friends and family and make good memories. However, this fun can’t be complete unless your recreational vehicles are properly insured. At The Select Insurance Agency serving Coppell, TX we understand that life is better enjoyed when you can have peace of mind. Keep reading to learn 3 things you need to know about rec/toy insurance. 

It Is Required In Most States

In order to operate certain recreational vehicles, state law may require the vehicle to be insured. These rules are put in place to better protect you, the owner, as well as anyone who may use your vehicles, or anyone who may be involved in an accident with your vehicles. In order to best understand your state’s rules concerning this, you will want to sit down with a knowledgeable insurance professional to discuss which coverage you need. 

It Saves You Money In The Long Run

Many people want to avoid insurance coverage in an effort to save some money. The truth is, though, in the long run not having insurance can cost you far more money. If your recreational vehicle is involved in an accident, you will be responsible for the costs of repair or replacement. In addition to this, if your vehicle causes injuries to another person you could be held liable for their medical expenses. If this type of incident turns into a legal battle your finances could be in jeopardy. 

It Protects Your Investments

You have invested money into your recreational toys. Keeping them protected under an adequate insurance policy will protect this investment. Adequate insurance coverage also protects your other assets by safeguarding you from liability. 

If you would like to learn more about recreational toy insurance, please call our friendly staff today at The Select Insurance Agency serving Coppell, TX.