We are friendly insurance agents, no games, gimmicks, or sales pitches. We are here to service your insurance needs, not to sell you something and walk away. We have deep roots in Sulphur Springs Texas and are bound by old fashion morals and ethics, not insurance sales quotas.
Insurance We Offer
- Home Insurance
- Auto Insurance
- Life Insurance
- Commercial Insurance
- Equine Insurance
- RV/Motor home Insurance
- Boat/ Jet Skies Insurance
- Motorcycle Insurance
- Mobile Home Insurance
- ATV/UTV/RTV Insurance
Many of us here in Hopkins, Hunt, Rains, Wood, and Franklin County live outside the City Limits sign. Here at Tully Insurance Agency we can give you great home insurance rates in and outside the Sulphur Springs city limits. We know that your home can be the biggest investment in your life, besides your family. We want to help you determine what is best. Every home is different. I can crawl under mine, while my Dad’s, down the road from me, you can’t because it is on a concrete slab. Take the time to talk to us about what is best for you and your home.
There is more to your auto insurance than just a card that you carry to keep the law off your back. When it comes to driving around Northeast Texas, you want to be prepared in case you hit a Deer, Tractor, or someone’s Dually. Texas says you have to carry at least $25,000 for property damage on your insurance. I don’t know if you have priced Duallys or Tractors, but their are very few that are $25,000 or less. Most are double that. Be sure to either avoid hitting expensive vehicles or carry more insurance than what the state says you should.
The same goes for the medical coverage under the state required limits. The State of Texas says you must carry $30,000 to cover one person, and $60,000 to cover multiple people in the vehicle. So, I don’t know if you have ridden in a Life Flight helicopter lately, but they aint cheap. In a lot of cases that $30,000 is what you will spend for that person just to get to the hospital, let alone pay for the month they spend there trying to recover from the injuries you caused. You know as well as I do, that very few accidents happen right next to the hospital. Most of the time they are out on some remote highway like FM900 or FM 69, and very seldom do you end up at Memorial Hospital. You usually get put in a Life Flight helicopter and flown to Tyler or Dallas. So think about how much you want to come out of pocket in one of these unforeseen situations, because the insurance company will only be on the hook for the first $30,000 and you will be stuck paying the rest. We provide great auto insurance to the residence of Sulphur Springs TX.
Many times here in Sulphur Springs Texas and in Hopkins County we do things that put us in harms way. Too often we dodge the bullet either riding a horse, or driving our cars. Don’t leave your family trying to make it without you and your help. Life insurance is to cheap to go without. Many cases you may get a little through your employer, but don’t rely on what they have in place to be enough. Your spouse and children need the security of being able to continue how they live even when your paycheck stops, because you checked out before it was your time. No one likes to think about it, but its the responsible thing to do. Life Insurance, Get Some!!!!
You might be providing a great meal at LouViney’s, or repairing a Muffler at Sulphur Springs Muffler shop, both need to be prepared for the unseen, and the unexpected. We know that running these types business can be very stressful. Let us do our jobs and relieve some of that stress, by looking out for your best interests. Everything from commercial property, commercial auto, to the general liability that you need to protect you and your business. You can be operating in Greenville, Winnsboro, Mt. Vernon, Commerce, Sulphur Springs, Yantis, or Emory and we can help protect you. Think about what you are doing and how we can help.
I know that there are a lot of different things you can do with your horses. Well, many don’t know that you can insure them. I see more and more arenas and horse ranches popping up around Sulphur Springs, and Northeast Texas. There is one thing that sets us apart from other agents. We also raise, train, sell, and show horses. We know that you can invest a lot in these animals and need to protect your pocket book if anything were to happen to them. We are ready to take care of you and your horses. We offer Full Mortality insurance and even loss of use. So if you have that great horse that cost you $20,000 that you intend on winning back in the arena, talk to us about being prepared in case that horse does come up lame. We can provide quality insurance for your horses.
Here at Tully Insurance Agency we like to camp! We own a little 22′ bumper pull RV that we like to visit our local lakes and State Parks with. If your like us you can invest quite a bit in a home away from home. We understand your love for the outdoors and want to help protect that home away from home in the event of an accident, storm, or fire. With RV insurance there are a lot of options available. Contact us to see how we can help take care of you.
Boats are always a lot of fun and a lot of money. It is real easy to get a lot of money invested in one. Your boat is covered for JUST liability when it is CONNECTED to your truck or SUV, but if that trailer comes loose from your vehicle, then it is no longer covered, because it is no longer connected. When that boat crashes, then you will be out the money in damages it caused and out for the damages to your boat. This can happen! My Dad was on his way back to Sulphur Springs from Lake Quitman, when low and behold the boat and trailer passed him in the on coming traffic lane on HWY 69 and ended up in the ditch. Luckily it didn’t do any damage to someone else or their property, but it sure did some damage to his boat. He was able to get the damages repaired by looking to his personal boat policy. Call, Come by, Email, or even Text Me about the ways we can help prepare you for the unseen.
If you love the wind in your face and the feel of the open road then we are here to take care of you. We have several companies to quote your steel horse to give you the best rate available.
Singlewides and Doublewides are welcome here. We have many options available for our mobile home and manufactured home owners. We shop your coverage through several companies to find you the best rate. Amy has a Clayton home that she bought new in 2001. We don’t just say we understand your needs, we really do know where you are coming from.
When it comes to your Side by Side, 4 wheelers, Gators, and Mules we got your covered. Anything from your play toy to take and get stuck, to the everyday cruiser you check the cows on. We have every situation covered, and several companies and options available. So with us you have options.
Get a Insurance Quote
Looking for a home insurance agent in Sulphur Springs? Click here for a free quote from Tully Insurance.
Looking for a auto insurance agent in Sulphur Springs? Click here for a free quote from Tully Insurance.
Looking for horse insurance in Sulphur Springs? Click here for a free quote from Tully Insurance.
Looking for a life insurance agent in Sulphur Springs? Click here for a free quote from Tully Insurance.
Frequently Asked Questions
Do you really need Insurance? For most people, purchasing a house represents the single largest investment of their lifetime, and it’s often your biggest asset. Insuring your home protects this investment and protects the equity you have worked hard to acquire. But the bottom line is, it’s your home. It’s where you live and you need to protect it.
- Your lending agent may require it. When you buy a home, you may need to show a copy of your policy at the time of closing. And if you are building a new home, you will probably be required to have special coverage while your house is under construction.
- Life offers no guarantees. Property insurance provides protection for you and your family when calamities like fire, burglary and vandalism happen. And most people need a liability policy. If a guest were to be injured at your home or on your property, you would want coverage to help pay for their medical expenses.
- Rebuild, replace and repair. If your house were demolished by a fire or tornado today, you would need money to cover repairs or replacement.
- You have valuable belongings. You can protect valuable items like jewelry, silverware and even more with additional coverage.
How can I be sure I have enough coverage for my valuables?
We can provide limited coverage for your valuables (antiques, jewelry, furs, paintings, business personal property, collectibles, etc.) You may need to increase the special limits to be covered adequately. We can help you determine if additional coverage is needed.
Am I eligible for any discounts?
Homeowners who safeguard their homes against the risk of fire, theft and other losses are often eligible for lower insurance premiums. Here are some discounts that may qualify you for lower rates:
- Alarm Discount
- Metal Roof Discount
- Hail Resistant Roof Discount
- New Home Discount
- Claims Free Discount (Priority One)
You may be eligible for one or more of the property insurance discounts we offer. Please contact an agent for more information.
How do I estimate the value of my home?
Estimating the cost of your home can be difficult. Insuring for Actual Cash Value or Replacement Cost Coverage should be considered.
These factors help determine what it will likely cost to rebuild your home:
- Square footage and local construction costs.
- Exterior wall construction?masonry, frame or veneer.
- Type of roof.
- Style of your home (ranch, colonial, contemporary).
- Number of rooms in your home.
- Special features attached garages, fireplaces, exterior trim, arched or bay windows, etc.
You will also want to check the latest building codes in your community. If your home is severely damaged, you may need to rebuild to comply with local building codes.
Is my jewelry covered by my home insurance policy?
When you purchase an amount of insurance for your personal property, there is limited coverage for jewelry. Coverage’s are limited to those provided by the policy and a special limit will apply to the peril of theft. You may need to schedule certain valuable items to secure adequate protection. Your agent can help you determine if additional coverage is needed.
When should I think about adding coverage?
- When you make an addition to your home.
- When you make any major purchase: jewelry, electronics, farm equipment, a boat or other recreational vehicles.
- To help guard against inflation.
Can I cover my Personal Property if I am a renter?
While you think there may not be much value to your personal property the cost of replacing your furniture and clothing can add up. We can cover your personal property in a house or an apartment. Coverage applies on premises and there is a limited amount of coverage that will apply elsewhere, anywhere in the world. To better understand the coverage and personalize the policy to meet your needs.