Auto insurance is a contract between you and your insurance company that protects you against financial loss in the event of an accident.
As citizens of East Texas, we know you have unique auto coverage needs. That’s why we offer a range of coverage options that fit your vehicles and your lifestyle:
So if you need auto coverage from a reliable East Texas provider, contact Skeen Insurance today!
Homeowners insurance is your answer to protecting you and your family's home against potential disasters. A standard homeowners insurance policy insures your home itself and your possessions inside it.
Homeowners insurance is a package policy that covers both damage to your property and your legal responsibility for any injuries or damage to property you or members of your family (including your pets) might cause to others.
The majority of disasters are covered by homeowners insurance, but there are some exceptions. The biggest exceptions are for damage caused by floods and earthquakes. You’ll need to buy two separate policies to gain coverage for flood and earthquake damage.
Because your life revolves around your home, you need the very best insurance available to make sure you never have to worry about the place you live. We offer some of the most competitive homeowner rates in the Tyler area to help you protect your largest investment.
Call Skeen Insurance for a quote today!
If you’re a business owner or professional in East Texas, you have a completely different set of risks than the average person. That’s why you need an insurance company who respects and understands your specific needs by providing these services:
Every business owner needs protection from disaster. General Liability insurance pays losses that arise from real or alleged bodily injury, personal injury, or property damage on your business premises or as a result of your operations.
General Liability Protection covers:
Laws pertaining to employees who are injured on the job are known collectively as workers compensation. Workers compensation serves to eliminate your need for litigation and creates an easier process for your employees to seek compensation for their injuries.
Workers Compensation Insurance helps you, the business owner, control your financial risks by making it easier to pay these benefits. Most states require employers to carry some form of Workers Compensation Insurance separate from health insurance – so if you have employees, it’s wise to carry Workers Compensation Insurance.
For more information and quotes on Commercial Insurance for your business, contact Skeen Insurance today!
In the event of a tragedy, life insurance makes sure to provide protection for the future of your family.
Life insurance is without a doubt one of the most important purchases you’ll make as an East Texan. Not only can it help to pay for funeral services, it can also cover:
These various life insurance policies available guarantee that whenever the policyholder of life insurance dies, the policies pay money to any specified beneficiaries:
The simplest form of life insurance is term insurance. The policyholder pays a monthly premium over a term – usually 10 or 20 years – and if the insured person dies during this term, a benefit is paid to the beneficiaries. The policy is cancelled if the policyholder lives beyond the term.
The next step up from term insurance is whole life coverage, which covers the policyholder for their entire lifespan. It remains active until the insured person dies or stops paying the monthly premium. A portion of the monthly premium is typically placed in an account and can be withdrawn as a loan or be used to pay the premium. The cash that accumulates in the account is tax deferred.
Universal life insurance offers the low-cost protection of term life insurance as well as the savings aspect of whole life insurance. Unlike whole life insurance, though, universal life insurance allows the insured to use the interest from his or her accumulated savings to help pay monthly premiums. This option usually offers more flexibility than other plans.
Always review your options carefully before committing to one life insurance policy. If you aren’t sure what policy best fits your needs, contact Skeen Insurance today for more information.
Everyone needs health insurance, but not everyone knows what policy is best for their families. That’s why you should weigh your options and always choose the best possible health insurance policy.
The Skeen Insurance Agency works with individuals and business for all their bonding needs. A bond protects the guarantor against losses resulting from the principal’s failure to meet the obligation. These bonds assure owners that their projects will be completed promptly and properly.
Bid Bonds
A Bid Bond, also known as a Proposal Bond, is necessary when construction contracts are put up for bids. The successful bidder is required to furnish the required Performance or Payment Bonds in order to begin construction.
Performance Bonds
A Performance Bond is generally required in these circumstances:
Payment Bonds
A Payment Bond guarantees payment for services rendered and any materials used in the project process by the contractor.
Notary Bonds
A Notary Bond makes sure that if a notary public violates the public trust through some form of negligence, funds are available to reimburse the state for its loss.
Lost Instrument Bonds
Lost instrument bond is a type of surety bond used as a guarantee to a bank or lender should a financial instrument be lost or destroyed and therefore not redeemable. This can include cashier's checks, stock certificates, mortgage notes and more.
Probate Bonds
A probate bond is essentially the same as an estate bond, executor bond, or fiduciary bond. When a person dies, usually a will is left. The probate bond, purchased by the will executor, ensures that the wishes of the deceased as expressed in the will are carried out ethically and honestly.
Janitorial Bonds
Janitorial bonds, or house cleaning bonds, are a type of fidelity bond designed to protect a third party whose property is being cleaned by a janitorial service or house cleaner.
Your pets are some of the most important people in your life. They're a major part of your home, your happiness, and your heart. That's why it's so important that you keep them protected with comprehensive pet insurance coverage in East Texas.
Skeen Insurance in Tyler, Texas provides pet insurance for pet owners who want their furry friends to live long and healthy lives. Your pet insurance plan can cover most accidents or illnesses, and allows you to choose any licensed veterinarian in your area.
We want to make sure your little loved ones stay strong by your side no matter what. If you need quality pet insurance in East Texas, contact Skeen Insurance today!
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