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Umbrella Insurance for Touring Musicians: Is It Necessary?

Touring as a musician can be an exciting and exhausting experience. Unfortunately, it can also be financially devastating after serious injuries or accidents. Thankfully, we at Willyard Agency can help to protect Highland Village, TX touring bands and any other musicians in the area with an umbrella insurance policy. Here’s what touring musicians need to know about this insurance type.

What Umbrella Insurance Does 

Umbrella insurance policies are typically necessary for businesses that need a high level of liability coverage. They kick in when a standard policy has been exhausted and help to prevent out-of-pocket costs. But do touring musicians need this type of policy? That all depends on a few different factors, as many things could happen during a musical tour, such as:

  • Crashing a touring van or bus into another vehicle 
  • Getting into a fight backstage with aggressive fans 
  • Potential hearing damage caused by the volume of the music 
  • Injuries caused by fans dancing on the floor 
  • Damage triggered by unsafe pyrotechnical displays 

These issues can cause a high level of liability for touring musicians and put them in a problematic financial situation. Smaller groups probably don’t need an umbrella policy if they rarely tour or don’t make a lot of money on the road. However, larger bands with more financial investment in their touring may need this type of policy to stay safe from problematic lawsuit situations. 

Protect Your Touring Reputation 

Are you a touring musician who wants to protect their livelihood from a severe lawsuit? Then please contact us at Willyard Agency right away to learn more about umbrella insurance. We can provide options for your Highland Village, TX touring band to minimize your potential financial loss. We’ll find an umbrella option that makes sense for your financial situation as a group.

3 Benefits of Flood Insurance

Floods can affect anyone. And because you can’t predict the outcome of floods, you need flood insurance to protect your home. But will the federal government not cover my damages? You will be lucky if the federal government declares the floods in your area a national disaster- because this isn’t always the case. And when they do, federal assistance is a loan that needs to be paid back. If you have outstanding mortgage liability, adding another loan on top will increase your financial burden.

For this reason, whether you are a renter, homeowner, or business owner in Highland Village, TX, you need flood insurance from Willyard Agency. This way, you will accrue the below benefits. 

Protects your assets

Flood insurance compensates you if floods damage your assets. Unfortunately, typical insurance coverages like home or commercial insurance don’t cover damage resulting from floods. As such, you need flood insurance to cover you when floods strike. 

If you are a homeowner, flood insurance coverage from the National Flood Insurance Program (NFIP) covers your home dwelling up to $250,000. Additionally, your assets (contents) are covered up to $100,000. However, you can get additional and versatile coverage from private carriers.

Peace of mind

While the world is full of worries, let insurance take some for you. Flood insurance gives you peace of mind, knowing that your assets and loved ones are covered when floods strike. While flood insurance won’t stop floods, it keeps you relaxed by knowing that your valuables will be paid for by your insurer when floods strike.

To protect your loved ones

Your home is a safe haven for your family and pets. If floods strike, your dear ones will be left without a place to call home. Thankfully, flood insurance can reinstate your home even after flood damage.

Given that every home in Highland Village, TX is at risk of flood insurance, it’s wise to purchase coverage from Willyard Agency. Contact us today, and one of our agents will help you protect your home.

Is condo insurance required in Texas

Condos are a popular housing option for those who don’t want a lot of outdoor space they have to maintain. It allows you to get more actual home for your housing dollar. Insuring a condo is every bit as important as the insurance you get for a stand-alone house. At Willyard Agency in Highland Village, TX, our goal is to help people and their families understand insurance and make sure they have the appropriate coverage. As independent agents, we can offer more choices to our customers. 

The state does not require condo insurance in Texas. It doesn’t require any home insurance, but that is not reflective of how important this coverage can be to your financial security. If you have a mortgage on your condo, your lender will require you have insurance to protect your investment. You may also be required to have condo insurance by your condo association to protect the attached units. 

The policy held by the condo association covers maintenance and liability in the common areas. They are concerned about the exterior but not the interior of your unit. The interior is your problem. 

Condo insurance provides several valuable types of coverage:

  • Property– While the exterior of your unit is not your responsibility, the interior is. Exactly where coverage begins depends on what it states in your covenant. But it is safe to say things like your kitchen cabinets are your responsibility. 
  • Possessions– These are your personal things, furniture, appliances, clothing, decor, and electronics. 
  • Liability– You need to be protected if someone gets ill or is injured while visiting inside your unit. 
  • Loss of use– If your condo is damaged and not habitable, this coverage helps you to have a place to stay. 

Contact Willyard Agency in Highland Village, TX with all your condo insurance questions. 

Why is Life Insurance so Important?

Life insurance is an important part of having a good financial plan for your family’s future, and here at Willyard Agency, we know this too well, and that is why we strive to provide you with great covers that will give you peace of mind, as well as serve their intended purpose. There’s a cover for everyone depending on the policy you take out. If you live in Highland Village, TX, read below to see a few reasons why life insurance is important for you.

5 Reasons to Take Out Life Insurance

  • To provide for your dependents after your passing. Your children and spouse may be left in financial distress in the sad event that you pass away and leave them behind. Life insurance will help supplement the income gap for those you leave behind so that they can deal with daily expenses, including childcare and school funds.
  • It can help cover funeral expenses. If your policy includes end-of-life expenses, it will cover burial expenses, the service, and other costs which may add up. Your loved ones can get some reprieve while they grieve.
  • To protect any businesses you may have. When you name your company as a beneficiary, you give your business the chance to stay afloat.
  • To help pay off debts. Most debts and loans aren’t forgiven after your death, and so if you don’t want your family inheriting your debts, having a life insurance policy will help safeguard against this.
  • To leave an inheritance for your heirs. If you want to set your children up for a good financial future, getting life insurance will help you.

Get a Solid Life Insurance Cover

If you’re in Highland Village, TX, give Willyard Agency a call and find out what you can do to secure the future of your loved ones. We are ready to answer all your questions and guide you through the process to have peace of mind knowing that you’ve done the best you could do.

A Guide To Help Texas Residents Find Health Insurance

Willyard Agency serves the Highland Village, TX community, as well as the surrounding areas. We strive to simplify the process of searching for insurance for our customers. We are an independent insurance agency and understand that our client’s insurance needs may evolve. That’s why we are committed to establishing long-lasting relationships.

Health Insurance Guide

Living a healthy lifestyle allows you to have more energy as you navigate your daily challenges. Health insurance is another way that you can help ensure that you’re staying on the right track. Health insurance helps cover you if you need to go to the doctor because you aren’t feeling well. The policy also covers routine care, such as your yearly check-up with your Highland Village, TX physician. You are also covered if your doctor recommends taking a prescription drug to help you feel better. Health insurance can help alleviate some stress as you figure out your treatment options.

Your health insurance coverage assists you if you suffer a serious injury. The policy covers your rehabilitation. You can amend your policy to cover treatment methods such as yoga and physical therapy as you work hard to feel better. If you are a frequent traveler, you can amend your coverage to allow you to seek treatment options in another state or country.

While you are researching coverage, be aware that your policy will include a network of hospitals and doctors to choose from. If your primary care physician is out of the preferred network, you can switch doctors or opt for an alternative policy.

Willyard Agency Will Help You Find The Coverage You Need

Visit our website to learn more information about health insurance.  

Why do people need auto insurance in Texas?

Drivers all over the Highland Village, TX area need to make sure they are taking their personal insurance needs seriously. One type of insurance that most people in this area of the state need to have is auto insurance. There continue to be many reasons that the typical person in this area will need to have this coverage. 

State of Texas Requires Coverage

A lot of people here will need to get auto insurance protection because the state will require it. In Texas, all drivers need to comply with the state law around minimum levels of liability insurance. All drivers must have this as it helps to ensure that you can pay for any accident damage that you cause during a collision. If you don’t carry it, you will be penalized when caught. 

Insurance Needed to Protect Asset

It would be best if you also had this valuable protection to keep your vehicle covered. A car is a major purchase and one that needs to be protected as well as possible. When you get a full insurance plan, it can help ensure that you get the needed coverage. With collision and comprehensive coverage, you will know you have coverage against the risk of theft or accident damage. 

People in the Highland Village, TX area will need to have auto insurance at all times. If you are looking for a new policy in this area, you will want to call the Willyard Agency professionals. There are going to be a lot of reasons to get this coverage, and Willyard Agency can help you choose a great policy that meets your needs and keeps you comfortable when behind the wheel. 

Do I need commercial insurance for my home business

Home businesses are on the rise, and they have never been more popular. They offer a way to do business without paying an additional amount to rent or own a storefront or office. For many people, the lure of doing business from home, especially when you have a family is irresistible. On the downside, it is easy to forget that this is a business. It needs to be taken seriously and separated from your private life. At the Willyard Agency in Highland Village, TX, we are locally owned independent agents. We want to help you understand the coverage you have and suggest the coverage you may need to handle whatever life throws at you. 

Yes, you do need commercial insurance for your home business. Home insurance covers your home and contents, and to some limited degree, it may cover your home business. It won’t provide adequate coverage for things like professional equipment, technology, and your records. But this isn’t the main problem with not having commercial insurance. When you have a home business, your home insurance liability won’t cover business injuries or issues. You could even lose your home insurance if they’re not aware that you have a home business. All businesses are vulnerable to being sued. Legal fees or a judgment against you could ruin your business. It would be best if you had commercial liability insurance. 

Business loss coverage is an important protection. It will help pay the bill and even play your usual income if, for some reason, your business cannot operate. This could be damage from a fire, tornado, or other covered events. 

If you live in or near Highland Village, TX, the Willyard Agency team would love to sit down with you. Let’s discuss how we can help you make sure that your home business is protected against all the potential hazards. 

Tips for getting your home ready for winter

Winter in Texas may not be as severe as in other places. It still is a place where ice and snow can occur, and winter is colder than other times of the year. Nothing is cozier than snuggling in front of a fire enjoying hot chocolate, but before you can enjoy winter, you have to make sure that your home is ready for winter. Part of being ready for winter is having home insurance you can count on. If you live in or near Highland Village, TX, you can count on Willyard Agency to provide the top carriers in the business. 

Turn off your sprinkler system.

Summers can be arid in Texas, and chances are you have a sprinkler system to help keep your grass as green as possible. Depending on the type of system you have, it may be as simple as moving a switch and draining it. But if you aren’t sure, hire a professional to get all of the water out of the system. 

Clean the gutter

Fall debris can pile up in your gutters. This can lead to water not being able to drains through the downspouts. It can cause damage to your roof and cause leaks inside your home as well. Clean them out and while you are near the downspouts, make sure that they are draining away from your home. 

Check the chimney

Before you light your first fire, you need to get a chimney sweep in to clean the chimney and check the masonry to ensure it is in good shape. Chimney fires are hazardous and cause a lot of damage. 

Tune-up the furnace

Before you turn on the heat for the winter, make sure you get a tune-up. Your heater will run more efficiently if it is cleaned. 

If you live near Highland Village, TX, contact the Willyard Agency for all your insurance needs.

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