817-341-4400
M-F, 8:30 am to 5:00 pm
930 Hilltop Dr, Suite 100
Weatherford, TX 76086

817-341-4400
M-F, 8:30 am to 5:00 pm
930 Hilltop Dr, Suite 100
Weatherford, TX 76086

Gun Safety at Home

The topic of guns can be very sensitive, but there’s one thing virtually everyone can agree on: Storing them safely is incredibly important, particularly in homes with children or even those where children occasionally visit.

Fortunately, there are a number of things you can do to help ensure firearm safety at home — whether you have kids around or not. These five tips are a great start:

  1. Keep ‘em locked ...     Not only should you store your firearms in a locked cabinet, safe or vault, you should also limit who has access to the key or combination – even if everyone in your family is a skilled shooter. In addition, use a gun-locking device so your firearms are inoperable when not in use. (This is not a substitute for appropriate storage, however.)      
  2. ... and unloaded.     Before putting away a gun, first unload the ammunition. Then, the next time you go to take it out of storage, point it in a safe direction and reconfirm that it is not loaded.      
  3. Separate guns and ammo.     Keep your ammunition under lock and key, too – away from your guns. That way, if an unauthorized person does gain access to your firearms, he/she won’t be able to load them.      
  4. Educate your family and others who visit your home.     Everyone in your home – family members and short-term visitors alike – should know that there are firearms present. Remind children regularly that if they find a firearm — either in your home or someone else’s — they should alert a responsible adult and never touch or play with it.      
  5. Remember “S.A.F.E.” Project ChildSafe educates firearm owners to: Secure your firearms when not in use; be Aware of those around you who should not have access to guns; Focus on your responsibility as a gun owner; and Educate yourself and others about safe handling and storage.

Having firearms in your home can present unique insurance issues as well, both in terms of the value of the guns themselves and your liability coverage. Check with your independent insurance agent to see what your policy limits are regarding personal property coverage for firearms, as well as whether an umbrella policy might be the right option for additional liability protection.

Whether you have one gun or an entire collection, always aim for safety. Your entire family, as well as your houseguests and neighbors, will thank you for it.

Insuring Guns

Whether you rent or own, you likely have personal property coverage for your guns under your renters policy or homeowners policy. Be sure to include them in your home inventory and to adjust your policy, if needed, to ensure you have the coverage you want for your entire collection.

It is hard to believe, but we have been in our new office a little over a week now!  We love our new building and the convenient location where it resides.  Our Team has truly been blessed with wonderful friends, clients and community leaders; all visiting us at the new office and offering their well wishes and support.  It has no doubt been an amazing couple of weeks!

I thought since we have moved to a new location, I would go back to the basics in this blog and give you an overview of what Paschall Insurance Group is all about.

Paschall Insurance Group is Parker County’s Trusted Choice Independent Insurance Agency.  Paul Paschall and his team have more than 100 years of combined insurance experience in personal and commercial lines of insurance.  The Paschall Insurance Team is dedicated to ensuring your family and business are properly protected from life’s unpredictable moments.

Paschall Insurance Group is Independent from all insurance companies, this means that our loyalty will always remain with YOU, our client!  The typical corporate or captive agent works exclusively for one insurance company and is obligated to provide insurance through only that company, leaving the consumer with only one option.  Paschall Insurance Group works exclusively for the client.  Representing over fifty top-rated insurance companies, our team is provided the freedom to design a policy that will custom fit your specific needs.  As a Trusted Choice Independent Insurance Agency, Paschall Insurance Group will allow you to have zero worries by knowing that you are protected with the best product, price and customer care available in the insurance industry. 

 

Paschall Insurance Group Bldg

 

 

 

 

 

Yay...  It's Time!!!  Our new commercial building is finally ready and we are excited about getting all moved in!  Our current office location will close tomorrow, Friday January 15th at 12:00pm to allow for relocation of our computer and phone systems.  We will open at our new location, 930 Hilltop Drive - Suite 100, Weatherford (down and across from the Weatherford Post Office) on Monday January 18th at 8:30am.

We look forward to seeing you at our new location!

Most all of us, around this time of the year, make a resolution or two for the New Year – drop 10 pounds, stop smoking, eat healthy, save money, etc. Sound familiar?

They’re the standbys we turn to from year to year, because attending to our health and our financial stability just feels good.

You know what else feels good? Knowing you have the insurance coverage you need, in each aspect of your life.

For many people, insurance is a buy-it-and-forget-it kind of thing. So, I’m proposing a shift in the way you think about insurance and the way you think about New Year’s resolutions. Yes, just in time for 2016, here are six insurance resolutions I think will help make this year your most secure year yet – give them a try!

  1. I will do a total insurance review with my agent.     During the course of the year, things change around your home, with your car, etc. You might add a pool or shorten your commute. When these kinds of things change, your insurance should change, too. Sit down once a year (or more often, if needed) with your independent insurance agent for a thorough review of your coverages. That way, you aren’t carrying too little (and putting yourself at risk) or too much (and paying more than you need to).      
  2. I won’t be underinsured.     As mentioned above, carrying too little insurance puts you at serious risk. Carry too little home insurance and, if it ever comes time to rebuild due to a fire or other covered loss, your policy won’t cover the full cost. You’ll have to cover some of the costs yourself or else make some hard choices, such as which features of your former home to forgo. These are heart-breaking circumstances, trust me. It’s also easy to carry too little liability insurance, either by having low limits on your auto or home policy or by not having an umbrella policy. People, lawsuits are expensive. I hope you never experience one, but, if you do, having the right insurance could really pay off for you.      
  3. I will maximize my insurance discounts.     As insurance agents, we think like you think. So when you ask, “how can I pay less for my insurance?”, we have answers. But, oftentimes we need your help. To save on your home insurance due to your state-of-the-art alarm system, for example, you may need to provide certain documentation. Please be mindful of providing it right away. We know you want to keep your insurance costs down, and we can help.      
  4. I will update my personal home inventory.     You’ve got some good stuff in your house, right? Stuff you love. Stuff you really, really love. Well, have you taken inventory of it? You may have inherited some antique coins this year or gotten some nice jewelry for a holiday gift. If so, add it to your home inventory, and chat with your independent agent about how your collections, belongings and pieces are covered. Don’t have a home inventory? Then this is the resolution for you! Go from room to room, catalog your belongings and what they’re worth – photos, receipts and appraisals all help. This, of course, helps if you’re ever in a situation where you need to replace some or all of your belongings due to a theft, a fire or some other incident.      
  5. I will make managing my policies easy.     Today, insurance carriers offer paperless billing, automatic payments and other ways to simplify. Take advantage of them and you’ll reduce clutter and save time (resolutions we all have!).      
  6. I won’t neglect my other insurance needs.     Do you own a personal watercraft or ATV? Do you live in an area prone to flooding? Do you have a home business? These all require special consideration. So, don’t leave your toys unprotected, and don’t overlook your unique insurance needs. Your independent insurance agent can help you check for areas of unaddressed risk or gaps in your coverage so you don’t have an unpleasant insurance surprise in 2016.

You think about insurance when you purchase it, and you certainly think about it when you need to file a claim. Think about it as you head into 2016, too, and make sure you have the proper coverage in place. Then you can get back to slimming your waistline and fattening your bank account.

Happy New Year everyone!

For generations of children, it's been the most obvious sign that the Christmas season is really, truly, finally, here: a tree, beautifully decorated, smack in the middle of the house. And, for generations of adults, getting and decorating the tree is one of the season's most familiar traditions.

That familiarity, though, can be a problem. When a tradition becomes too familiar, it's easy to overlook something important, such as safety.

As enchanting as they are, Christmas trees can actually be dangerous. In fact, the National Fire Protection Association says that, on average, fire departments respond to more than 200 fires related to Christmas trees each year.

To help ensure your local fire department doesn’t need to pay you a visit this holiday season, here are some common-sense tips on Christmas tree safety:

Selecting and Setting Up Your Christmas Tree

  1. Choosing artificial? Check for a flame retardant label or certification.      
  2. Getting a real tree? Make sure it’s fresh, with green needles that don’t fall out when you give the tree a good shake. Brownish needles signal a dry tree prone to catching fire.      
  3. No matter the tree type, keep it at least 3 feet away from any heat source, such as a fireplace, radiator, candles or lights. And, make sure it’s not blocking an exit.      
  4. Before placing a real tree in its stand, trim the base about a half-inch, cutting perpendicular to the stem axis. Cutting at an angle or into a V-shape makes it harder for the tree to get water.      
  5. Speaking of water, place your tree in water as soon as possible, in a stand with adequate capacity. One rule of thumb: a quart of water for each inch of stem diameter.

Decorating and Maintaining Your Holiday Tree

  1. Don't connect more than three strands of lights together, and check them for frayed wires or excessive wear. All lights, and other decorations, should be flame retardant.      
  2. Water your real tree a little each day to keep it from drying out. Never let the water level fall below the base.      
  3. Turn off the lights when you go to bed or leave the house.      
  4. Take your real tree down after about two to four weeks, even if it’s been watered regularly. Check for recycling options for disposal.

We know a Christmas tree can be a special part of the holidays, and we want you to enjoy the tradition safely!