(800) 253-1482Home & Property Insurance
5 Considerations About Texas Renter’s Insurance
Here are 5 considerations about texas renters insurance the most important factors to discuss while thinking of buying renters insurance. Landlord’s insurance: You are not necessarily covered by your landlord’s insurance. That covers the building structure and common areas, whereas your personal renter’s insurance covers your belongings within the unit. What does the renter’s insurance…
Read MoreTexas Jewelry Coverage In Home Owners Policy
With a homeowner’s insurance policy, you may think all your belongings are covered in case of disaster. Unfortunately, this isn’t always true. Homeowner’s insurance doesn’t cover everything, and some valuable items may not be covered, or may not be covered up to their full replacement cost. This is especially true with expensive jewelry, which is where jewelry floater…
Read MoreTexas Home Insurance – What is ‘Loss of Use’ coverage?
Loss of Use (or Coverage D) is the portion of a standard home insurance policy that protects you in the event that your home is destroyed or damaged by a covered peril and you must seek other living arrangements while repairs are made. Loss of use coverage can help reimburse you for hotel, restaurant and other living expenses…
Read MoreTX Home Insurance – What is Other Structures Coverage?
Other Structures Coverage (Coverage B) is the portion of your home insurance policy that covers the cost of rebuilding or repairing structures on your property other than your home if they’re damaged because of a covered peril such as fire, wind, or hail. This includes detached garages, sheds, and other detached buildings on your property –…
Read MoreTexas Vacation Home Insurance Costs & Coverages
What Is Vacation Home Insurance Coverage? Vacation home insurance is a type of homeowners insurance that’s designed to cover the unique needs of a vacation home, from adverse weather (especially if your home is near the beach) to the extra risks of crime and vandalism in a home that you occupy only part-time. If you…
Read MoreTexas Contents & Personal Property Coverages Facts
According to the FBI, in 2018, property worth more than $16 billion dollars was reported stolen. Many people remain under the misconception that their homeowners policy provides coverage for all the personal belongings in their homes regardless of the type of property. That’s not entirely true, though. And every year, many policyholders learn this the…
Read MoreWhat does Texas homeowners insurance cover?
What does homeowners insurance cover? To put it simply, homeowners insurance is designed to repair, replace, or recover the value of what you currently have (under coverage) if it’s damaged due to any number of causes. Most common claims covered by insurance Your independent agent can help give you a clear, personalized picture of the…
Read MoreTexas Home Owners Insurance – Facts On How it Works
As a homeowner, you’re assumed to be operating at a high level of adulting. You managed to afford a down payment, get approved by a lender, and find someone willing to sell you a home. And you successfully navigated the sign-up process for homeowners insurance.. but that doesn’t mean that you’re automatically an expert about what your…
Read MoreTexas Hail Damage: Is It Covered by Home or Auto Insurance?
Golf balls, baseballs, whatever you like. A hail storm can come out of nowhere and drive down pellets of all sizes onto your property. It’s very easy to see how hail could cause damage to your home or car. While your homeowners insurance covers you from a lot of different types of weather, your auto…
Read MoreHow Do Texas Home Insurance Companies Decide What To Charge?
Insurance companies use a process called underwriting to decide whether to sell you a policy and how much to charge you. The amount you pay for insurance is called a premium. Each company’s underwriting rules are different. This means one company might be willing to sell you a policy, even if another company isn’t. It…
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