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Does Home Insurance Cover Power Surges?
Different homeowners insurance policies have different coverages for power surge damage. You need to double-check your policy to understand whether or not you are covered. There are additional ways to protect your home and devices, including home warranties, equipment breakdown coverage, and surge protectors. Additionally, because Texas is one of the most vulnerable states to power surge damage, it’s important to shop and compare carriers who offer protection at the lowest possible price.
Read MoreYour Guide to Insurance Riders in Texas
Also known as endorsements, an insurance rider is commonly used to protect expensive personal items including jewelry, collectibles such as art, instruments, etc. Typically, they cover items that are either not already included on your insurance or the cost of which may outweigh what you’d get with a higher-tiered plan.
Read MoreWhat Is Property and Casualty Insurance?
Property and casualty (P&C) insurance is an umbrella term for insurance policies that cover property and liability for individuals. In the state of Texas, this specifically refers to insurance products such as homeowners insurance, auto insurance, landlord insurance, boat insurance, and RV insurance policies.
Read MoreWhat if My Homeowners Insurance Claim Isn’t Paying Enough?
If you disagree with the adjuster’s final claim estimate, tell the company why. The company may have overlooked something and may make adjustments. Make sure to send any supporting documentation, such as a contractor’s estimate for the repairs. If you still disagree, you have several options to challenge your insurer’s decision. Request An Appraisal Your…
Read MoreWind Mitigation Inspection in Texas
Homeowners insurance protects your home and property from a variety of weather-related perils. In Texas, these include damage from windstorms like hurricanes, tropical storms, or even tornadoes. While your homeowners insurance policy acts as a reactive measure if your house is damaged by wind, it shouldn’t be your only protection. On the coast of Texas, if you’re…
Read MoreUnderstanding the Difference Between Term and Whole Life Insurance
Using a life insurance policy as a viable tool for your loved ones can help them during their time of need; however, deciding the right type of policy will determine how your family benefits.
Read MoreKnow Your Texas Insurance Rights
An insurance company may not: turn you down or charge you more because of your race, color, religion, or national origin. turn you down or charge more because of your age, gender, marital status, geographic location, or disability unless the company can show that you’re a greater risk for a loss than other people it’s…
Read MoreWinter Vacation Home Safety Tips Every Texan Should Know
From traveling to be with loved ones to seeking warmer weather, there are so many reasons to take a trip in the winter months. To avoid coming back to a disaster, we’ve got you covered with winter vacation home safety tips to protect your home.
Read MoreBudget Texas Renters Insurance – Get a Quote
Renters insurance is required by most property management companies. Generally, the requirement is for $100,000 of liability, though it could be higher at some properties. Making sure that you budget for renters’ insurance will help protect you in the event that the worst happens. This type of insurance means that in the event of a…
Read MoreDoes My Texas Auto Insurance Cover Rental Cars?
Rental cars provide the perfect example of why having more than the bare minimum auto insurance coverage can be helpful. Many incidents outside of a simple car accident can cost you thousands of dollars, but if you are properly insured, you can mitigate the costs and restore the loss with greater ease.
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