Athas Insurance Agency

02/10/2026

Coverage gaps can cost you more than you think.
Athas Insurance Agency is here to help you get the right coverage at the right price.

Call today and get your quote started:
Dallas Office: (972) 754‑8615
Plano Office: (469) 688-4847
Hablamos tu idioma

02/10/2026

Protection you can trust. Service you can count on.
Athas Insurance Agency is here to make insurance easy.
Call us today for a quick quote.
Dallas Office: (972) 754‑8615
Plano Office: (469) 688-4847

02/10/2026

🚗 Protect Yourself While You Drive! 🚗

Do you often borrow a friend’s car, rent a vehicle, or drive for ride-sharing services? If yes, you might need Non-Owner Car Insurance!

This coverage is perfect for:

Occasional Borrowers: Don’t risk it—make sure you’re protected when driving someone else’s car.

Frequent Renters: Traveling? Keep peace of mind while you’re on the road.

Ride-Share Drivers: Drive smart! Ensure you’re covered even if you don't own a car.

💡 Why Choose Non-Owner Car Insurance?

Provides liability coverage for bodily injury and property damage.
Affordable option for those without a vehicle but still need coverage.

Get in touch with us today to learn more about how Non-Owner Car Insurance can keep you protected. Don’t leave your driving experience to chance!

📞 Office (972) 754-8615
🌐 athasinsurance.com

01/23/2026

Cyber insurance, also known as cyber liability insurance, is a specialized policy designed to cover financial losses resulting from digital threats such as data breaches, ransomware, and other cyberattacks. Unlike traditional business insurance, it addresses specific risks associated with IT infrastructure and digital data.

What It Covers

Policies generally split into two main types of coverage:
First-Party Coverage: Pays for direct expenses your business incurs, including forensic investigations, data recovery, customer notification costs, and lost revenue due to business interruption.
Third-Party Coverage: Protects you against claims from others, covering legal fees, settlements, and regulatory fines if a breach at your company affects customers or partners.

Why You Need It

In 2026, cyber insurance has shifted from optional to essential for the following reasons:

Rising Costs: The average cost of a data breach has reached record highs (exceeding $9.4 million in some regions), often surpassing what a business can survive out-of-pocket.

Sophisticated Threats: AI-driven phishing and multi-layered extortion tactics have made attacks harder to prevent, even with strong technical defenses.

Regulatory Compliance: Tightening data privacy laws mandate strict reporting timelines and carry heavy penalties for non-compliance, which insurance can help manage.

Access to Experts: Policies often provide 24/7 access to pre-approved incident response teams, including specialized lawyers and forensic investigators, to help you recover faster.

2026 Market Context

Obtaining coverage now requires proving you have active security controls in place. Insurers in 2026 frequently mandate phishing-resistant Multi-Factor Authentication (MFA), Endpoint Detection and Response (EDR), and immutable backups before issuing or renewing a policy.

11/03/2025

11/21/2024

How to make a home inventory for Insurance

To make a home inventory for insurance, you can:
Take photos or videos: Photos and videos can document your items and show proof that they are in your home. Many insurance companies offer free home inventory apps that can help you take photos and videos.
Record serial numbers: Serial numbers can make it easier to prove ownership and determine the value of items, especially high-value items like electronics, appliances, and machinery.
Keep receipts: You can save email receipts or digital photos of paper receipts. Receipts can help make the claims process easier.
Add brand names and descriptions: Add brand names and descriptions, especially for large-ticket items.
Break down the list by room: Breaking down the list into rooms can simplify the process.
Store your inventory offsite: Store your video or photo inventory offsite so you won't lose it if your house is damaged.
A home inventory can help you make home or renters insurance coverage decisions and expedite the insurance claims process. It can also help claims adjusters understand the value of your stuff in case of fire, theft, or other covered losses.

11/21/2024

Smoke alarm tips to protect your family before there’s smoke

1. Install Smoke Alarms to Help Protect Your Home and Family
Fire is a deadly threat to any household. It can strike anywhere, at any time so it is important that you and your family are prepared. Smoke alarms help provide early warning in the event of a fire in your home. The National Fire Protection Association (NFPA) recommends smoke alarms be installed on every level of the home, inside every bedroom, and outside each sleeping area. In the basement, smoke alarms should be installed at the bottom of the stairs leading up to the next level. Learn what your state’s requirements and regulations are for home smoke alarms by using our interactive state legislation map.

2. Placement of Smoke Alarms is Important
Mount smoke alarms in the middle of the ceiling when ceiling mounted. If that is not possible, mount detectors on the wall at least three feet away from a corner and within 12 inches from the ceiling. Keep smoke alarms away from drafts created by fans or air ducts. The moving air can blow smoke away from the sensor on the alarm. Avoid placing fire alarms too close to the kitchen stove and bathroom shower, as cooking smoke and shower steam can cause nuisance alarms. If you do install a smoke alarm in the kitchen, ensure it is at least 10 feet away from any cooking appliances to help avoid false alarms.

3. Maintain Your Smoke Alarms to Help Ensure They Are Functioning Properly
The NFPA recommends testing your smoke alarms at least once a month to ensure they are working and replace the batteries every 6 months or if a low battery chirp occurs. When replacing batteries, follow the user manual which includes a full list of approved batteries for your alarm. Smoke alarms should also be replaced at least every 10 years. Fire alarms with a 10-year sealed battery should be replaced after 10 years and when the end-of-life warning occurs.

4. Choose the Right Smoke Alarm for Your Needs
There are different types of smoke alarms including battery, 10-year sealed battery and hardwire. All are effective at detecting smoke and fire, but the type of alarm you choose will depend on your home and family’s needs.

Battery Alarms: Battery-operated fire detectors can be easily installed with no wiring required. Maintenance includes changing the batteries every 6 months and testing the alarm monthly to ensure they are working.

10-Year Sealed Battery Alarms: Ten-year alarms are also battery powered and can be installed with no wiring required; however, no battery replacements are required for the life of 10-year sealed battery alarms!

Hardwire Alarms: Hardwired smoke alarms wire directly into your home’s electrical system. Many of our hardwire fire alarms also have a battery backup for continued protection during power outages.

5. Have a Plan Prepared if the Smoke Alarms Sounds
Never ignore the sound of the smoke alarm. If the smoke alarm is sounding, there is a reason. You and your family must be able to escape quickly and safely. Here are several safety tips your family can learn and practice to prepare for an emergency:

Have a safety escape plan. Discuss and practice your emergency escape plan as a family. Know two exits from any room in the house.
Feel if the door is hot. Always feel the door to see if it is hot before opening it to escape. If the doorknob or door is hot, do not use that exit. Use your alternate exit to escape.
Crawl on the floor. Smoke from a fire rises and so does the temperature. If you crawl on the floor, the smoke and the heat from the fire will be less severe.
Meet at a designated spot outside the home to help know who has escaped.
Call the fire department once safely outside. Be prepared to give your full name and address to the operator at the other end of the line. Stay on the line until the operator has the information needed.
Do not return or go inside a burning building until cleared by the fire department.

09/27/2024

HOMEMADE PECAN SANDIES
Ingredients:
2 sticks butter, unsalted (1/2 lb., softened)
1 cup vegetable oil
1 cup sugar, granulated
1 cup confectioner's sugar (sifted)
2 eggs (large)
1 teaspoon vanilla extract
4 cups flour, all purpose (500 gr.)
1 teaspoon baking soda
1 teaspoon cream of tartar
1 teaspoon salt
2 cups pecans (chopped)
1/2 cup sugar, granulated (for decoration)
Method:
Preheat oven to 325 degrees F.
In a large bowl, cream together the butter, vegetable oil, 1 cup white sugar and confectioners' sugar until smooth.
Beat in the eggs one at a time, then stir in the vanilla.
Combine the flour, baking soda, cream of tartar, and salt; stir into the creamed mixture. Mix in the pecans.
Roll dough into 1 inch balls and roll each ball in remaining white sugar. Place the cookies 2 inches apart onto un~greased cookie sheets. Bake for 10 to 12 minutes in the preheated oven, or until the edges are golden. Remove from cookie sheets to cool on wire racks.

09/27/2024

What is a CLUE Report? And How to Order One.
A CLUE Report, otherwise known as a Comprehensive Loss Underwriting Exchange Report, is a document that provides a list of all insurance claims that have been made on a house. CLUE Reports are used by insurance companies to determine whether or not they want to cover your home, how much they want to cover your home for, and the rates your coverage will be at. But CLUE Reports do not solely benefit insurance companies.

CLUE Report disputes can help you uncover any hidden damage or issues that a previous homeowner may be hiding. Similarly, a CLUE Report can also be a good selling point when you are selling your home as long as no claims have been made in the past 7 years as it may appear your home is in really good condition.

Now that you know what a CLUE report is, let’s jump into what is included and how you can order a CLUE report for your home or the one you’re thinking about buying.

What Does a Clue Report Include?
A CLUE Report includes all insurance claim information about a property for up to 7 years.

Each Clue Report insurance claim will include the following:

Name of the owner
Date of the claim
Policy number
Type of loss
Amount compensated by the insurer
Description of the property and claim
In addition to all processed claims, a CLUE Report will also mention all attempted claims, including failed or denied insurance claims.

How Can I Order a Clue Report?
You can order a CLUE Report from LexisNexis by calling them at 1-866-312-8076. LexisNexis will provide you with a CLUE Report annually if you want to keep track of what is on it. It is also a good idea to ask your insurer if they are setting your premium based on your CLUE Report. This way you can keep track of increases and decreases as well as begin to estimate what may or may not happen as your insurance policies update. Another benefit of ordering a CLUE report is that it will offer you additional disclosure which can help you avoid liability when selling your home.

As you can see, CLUE Reports in real estate are not strictly for insurance companies. You can use them if you’re stuck deciding between two homes as a home buyer, and also to keep track of your own home and insurance policy changes as a home owner.

And now you know what a CLUE report is, where to order one from and the benefits of having a CLUE report as a homeowner, a home buyer and a home seller.

athasinsurance.com
469-688-4847

09/10/2024

Am I covered by insurance when I rent a scooter?

Before you rent or jump on one of those cute zippy scooters, remember these tips.

Scooter rental companies don’t cover you in case of accident or injury. Rental agreements give you all liability. That means you could be paying for any damages and injuries, not just your own.
Home policies usually don’t cover damage from motorized vehicles and your auto policy probably won’t extend to an electric scooter.
Don’t forget to read your scooter rental agreement before you ride. And to be safe, wear a helmet.
So, what covers scooter accidents? Your health insurance probably will cover your injuries—though it won’t cover anyone in your path.

08/13/2024

Your insurance probably covers a carpool, but not ride sharing. Make sure you know the difference.

Ask your insurance company these questions to make sure your carpool is covered.

Does my policy cover all drivers?
Policies generally cover anyone who drives your car as part of a carpool. But ask your insurance company to be sure.

Do I need extra coverage in case of accidents?
Costs of injuries and vehicle damages can add up, especially if your carpool is involved in an accident with more than one other vehicle. If you go over the dollar limit of your liability coverage after an accident, you might have to pay part of the cost of injuries and damage. To be better protected, consider raising the limit on your coverage. This could save you money down the road.

Are there other coverages I should consider?
You may want to add personal injury protection or medical payments coverage. Both cover medical bills whether you’re at fault or not and even if you’re riding in someone else’s vehicle. Talk to your agent about differences in coverage.

Is my carpool really a carpool?
Not all groups of people riding together are considered carpools. If you’re driving for hire or regularly charging a fee for rides, your insurance probably isn’t going to cover you. Ridesharing is getting paid for driving other people; to insurance companies, that’s not a carpool.

07/11/2024

Know the dangers of carbon monoxide poisoning

Cell phones and other devices are a big help in a weather emergency. They're a quick way to check in with friends and relatives or call for help. But if the power’s out and your battery is low, be careful where you recharge your devices.

It may be tempting to use a running car or truck to charge your phone, but never do that when your vehicle is in a garage. Most engines put out carbon monoxide, a deadly gas you can’t see or smell.

A running car can create enough carbon monoxide build-up to kill you, even if the garage door is open. Wind can blow carbon monoxide back into your garage, or even inside your house if doors, windows, or vents are open.

If you can do so safely, move your vehicle out of the garage and away from your home. Then it’s OK to start the engine and recharge your phones and devices in the vehicle.

Be careful when you use generators and other sources of carbon monoxide as well.