Types of Insurance in Tyler, TX

by | Mar 19, 2014 | Home and Property

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When you need insurance in Tyler, TX, you don’t have to go to a different agency for each type. Companies like the Kit Parkhill Insurance Agency offer a wide range of both personal and commercial insurance types. Vehicle insurance, for example, isn’t just for personal cars and trucks. You can also get insurance for RVs, travel trailers, motorcycles, jet skis, and boats. This lets you cover all of your moving vehicles so that you’re protected no matter what you’re driving or where you’re driving it.

Commercial insurance is also available in packages that are tailored to your specific property type. A restaurant, for example, has a different risk profile than a mechanic’s shop or an apartment building. A restaurant may want to pump up coverage for injury liability and fire, while a mechanic will likely be more interested in coverage against theft and property damage. Insurance for an apartment complex would have different focuses than either of the other examples, with more risk exposure from damage to the buildings and liability arising from accidents in common areas.

Home insurance in Tyler, TX is often chosen to provide a good amount of coverage against all risk types. The structure is insured against damage from storms, fire, vandalism and other such events, while the interior contents are insured against both destruction and theft. Liability coverage for both injuries and property damage is included as well, and protects you in case of an accident on your property.

Flood insurance is a separate form of coverage that isn’t part of a homeowners’ policy, but accidental water discharge is usually covered. This can be confusing, but it’s easy to understand if it’s thought of this way: If the water comes from a natural source, it isn’t covered by house insurance. If it came from the plumbing, it probably is included in the policy.

These are just some of the types of insurance that are needed in Tyler and elsewhere. Talk to your agent about everything you would like to protect, and he or she will work out a plan that provides the desired peace of mind at the most reasonable cost.

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