Personal Lines Insurance FAQ – Yarborough Insurance Agency

1. What is personal lines insurance?

Personal lines insurance protects individuals and families from financial loss caused by unexpected events. It includes coverage for your home, vehicles, personal belongings, and liability. Unlike commercial insurance, personal lines policies are designed for non-business use and focus on protecting your personal assets and lifestyle.

2. What types of personal lines insurance do you offer?

At Yarborough Insurance Agency, we offer a full range of personal insurance products, including:

  • Homeowners Insurance – Protects your home and belongings from fire, theft, and natural disasters.

  • Auto Insurance – Covers your vehicle and liability in case of accidents.

  • Renters Insurance – Affordable protection for your belongings if you rent your home.

  • Umbrella Insurance – Provides extra liability coverage beyond your primary policies.

  • Life Insurance – Financial security for your loved ones in the event of your passing.

  • Condo Insurance – Tailored coverage for condo owners.

  • Motorcycle, Boat, and RV Insurance – Specialized coverage for recreational vehicles.

3. Why do I need personal lines insurance?

Life can be unpredictable. Personal lines insurance ensures that if the unexpected happens—a car accident, a house fire, theft, or a liability lawsuit—you won’t face devastating financial loss. Having the right coverage gives you peace of mind knowing your family, assets, and future are protected.

4. How do I know how much coverage I need?

The amount of coverage you need depends on:

  • The value of your home, vehicles, and personal property.

  • Your income and assets (to determine liability protection).

  • Your lifestyle and potential risks.

Our agents will review your situation and recommend coverage that balances affordability with complete protection.

5. Can I bundle my home and auto insurance for a discount?

Yes! Bundling your home and auto insurance can save you money and simplify your policy management. Many carriers offer multi-policy discounts of up to 20% or more.

6. How are personal lines insurance premiums calculated?

Your premium is based on factors like:

  • The value of the property insured.

  • Your location and claims history.

  • Your age, credit score, and driving record.

  • Policy limits and deductibles.

7. How do I file a claim?

If you experience a loss:

  1. Contact our office or your insurance carrier immediately.

  2. Document the damage with photos and details.

  3. Keep all receipts for repairs or temporary accommodations.
    We’ll guide you through every step to ensure your claim is processed quickly and fairly.

8. How can I lower my personal lines insurance costs?

You can reduce your premiums by:

  • Increasing your deductible.

  • Maintaining a good credit score.

  • Installing home security systems.

  • Driving safely to maintain a clean record.

  • Bundling multiple policies.

9. Why choose Yarborough Insurance Agency?

  • Local Expertise – Serving Texas families with personalized service.

  • Dedicated Service – We’re here for you before, during, and after a claim.

  • Customized Coverage – Policies tailored to your needs, not one-size-fits-all.

10. How do I get a personal lines insurance quote?

Getting a quote is easy!
Call us at 972-771-0206 visit our office, or fill out our Quote Form. We’ll provide a fast, no-obligation comparison from top insurance carriers.