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Insurance policies are an important part of day-to-day life that we often forget to take care of or maintain as life changes. However, it's important to assess insurance coverage on a regular basis and make any necessary adjustments. Speaking to an insurance agent can help you determine if it makes sense to carry more of certain types of coverage, if you can combine coverage areas, or if you need to purchase an additional policy.

Insurance agencies can help you determine if you have enough coverage in the following areas:

Personal Property Insurance

Personal property insurance protects items that belong to you, personally. This insurance can cover jewelry, furniture, china, musical instruments, collectibles, and other special items. If you have a collection of possessions that are important to you and would cost money to replace, it may be necessary to cover them with personal property insurance. You may need to have the items appraised before purchasing an insurance policy or specific rider for them.

Home Insurance

Homeowners' Insurance can be purchased to cover your home and your property inside of it. You can discuss how much insurance you think you may need with Nolen Agency Insurance, and we'll help you decide on an appropriate amount based on your house and your possessions. In addition we can help walk you through the process of documentation, purchasing a policy, and more. Insurance doesn't have to be a complicated process, and it's important to make sure that you're well protected.

Auto Insurance

It's also important that you carry enough auto insurance for all of the vehicles and drivers in your family. Work with a skilled insurance agent to determine how much insurance you'll need on each vehicle, as well as any other types of coverage you'd like to carry, such as underinsured motorist or additional medical coverage in case of an accident. It only takes one auto accident to cause a serious life disruption, so it's vital that you're carrying an appropriate amount of insurance coverage.

Life Insurance

Will your family have financial resources in place if something happens to you? Will your loved ones have access to funding for funeral expenses, to handle your final affairs, and to get themselves settled? If you have any doubts when you think about these questions, it may be time to consider adding a life insurance policy. Or, if you already carry life insurance, you may want to consider purchasing additional insurance. Nolen Agency Insurance can help you evaluate your life insurance coverage, determine how much you think you'll need, and purchase additional insurance as necessary.

Your overall insurance needs can change throughout your life. This makes it important to spend some time each year evaluating what types of insurance you currently need, then speak to an agent if you are unsure if your current policies cover everything.

When you smile, what are you showing the world? Are your friends and peers seeing a bright and happy smile, full of healthy teeth? Or, instead, are you revealing a smile that’s blemished with stains, cavities, and uneven gaps and spaces? The fact is, your smile plays a huge role in your appearance; a beautiful smile can open doors for you, but an unattractive one can hold you back in life. To help maintain and preserve the appearance and the health of your smile, you need to schedule regular dental appointments. Unfortunately, many people can’t afford to go to the dentist and may often miss their recommended checkups. Because we here at Nolen Insurance Agency understand the value of good oral health, we are pleased to offer affordable dental insurance to our valued customers!

Save Money on Routine Checkups

Did you know that you should be seeing your dentist at least every six months to a year for routine checkups and cleanings? Even more importantly, these appointments are often fully covered by your dental insurance (or they may have small copays, depending on your insurance plan). If you tried to pay for them out of pocket yourself, though, the cost could start to add up quickly. When you look at it like that, getting dental insurance simply makes good economic sense.

Avoid Sticker Shock after Dental Emergencies

Dental emergencies can be absolutely terrifying. Whether you bit down on something hard and chipped a tooth, or you got hit in the face by a rogue baseball, a skilled dentist can help solve your crisis and get you back on your feet in no time. However, if you don’t have dental insurance, this emergency crown can take a large chunk out of your paycheck! With dental insurance, these costs can be significantly reduced, allowing you to recover from your procedure with ease.

Have Peace of Mind when Choosing a Dentist

Did you know that when you purchase dental insurance, you’re also getting a list of carefully vetted dentists to choose from, too? Dental insurances prefer to work with only top dentists, and when you sign up for an insurance plan, they’ll make recommendations to help you select the best one. Instead of trying to choose one at random and winding up with someone who isn’t a good fit for you, you can instead feel confident that the doctor examining your teeth is skilled and capable.

Dental Insurance in Athens and Chandler

By purchasing dental insurance through us here at the Nolen Insurance Agency, you can help make sure you’ll have access to your local dentist – whether it’s for a routine checkup or a dental emergency! Of course, we can’t help you overcome your fear of going to the dentist, but we can help you feel less afraid of paying for your dental care. To learn more about how we can help you secure dental insurance for yourself and your family, please don’t hesitate to reach out to us today.

As a driver, you’re exposing yourself to many risks every time you take your vehicle to the open road. You buckle your seat belt, you make sure to obey all traffic laws, and you make sure you are following the posted speed limits. However, despite your careful efforts, you may still be taking needless risks with your vehicle when you lend it out to your children, spouse, or friends. Many drivers like yourself do not realize what exactly is covered by their automobile insurance. Does your insurance cover you, or does it cover your vehicle? The answer? It varies.

Liability Insurance Follows the Driver

Every time you hand your keys over to someone else – whether it’s your spouse or it’s your best friend – you may be wondering if your insurance is actually going to cover them in the event that they get into a collision. Not only are you worried about the legal liability of letting another driver use your automobile, you’re also wanting to ensure that they do get access to medical treatment in the event that they do get a fender bender.

Fortunately, if you have liability insurance, then your driver should be protected if something does happen while they’re driving your car. This type of insurance helps cover any issues that may be due to injuries incurred while operating your vehicle. Furthermore, liability insurance is mandatory here in the state of Texas, which means that if anyone does have an incident behind the wheel, they should be covered by their insurance.

Comprehensive and Collision Coverage Follows the Car

On the other hand, while liability insurance covers the driver, what happens if someone is driving your car and they get into a crash? Even if your friend walks away without a scratch, your car still may wind up totaled from the accident. Then what can you do?

In this case, it’s essential that you have comprehensive and collision insurance in place. That way, not only will your driver be protected if they are physically harmed, your car is also protected. Depending on the extent of the coverage that you choose, your car may be covered up to a certain amount. For instance, if your car is a newer model, you may elect to get a plan that covers more.

Choosing the Right Automobile Insurance

It’s important to remember that there are nuances to these insurance policies. For instance, if the driver who was operating your car was deemed liable, the insurance may not cover them. While picking the best type of insurance for yourself and your vehicle can seem like a challenge, we here at The Nolen Insurance Agency are more than happy to help you go over your options to help you choose the best plan. To learn more about which automobile insurance best is for you, please do not hesitate to reach out to us here today!

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