Many Texans Have Told Us How Confusing They Find Home Insurance
Working with thousands of Texans through the years, the agents at Insurance For Texans have listened to many frustrations and fielded many questions.
We have compiled those frustrations and questions to see where people struggle most, so that we could put together an easy to understand dictionary for people just like YOU!
It doesn't matter if you are in Amarillo, Austin, Ft Worth, Abilene, Waco, or Midland-Odessa; you deserve to have an insurance policy that speaks Texan!
You can read below to get the basics explained so that you can understand.
The Basics of Texas Home Insurance Policies
Texans have a handle on many things in life. We understand how to drive 85 mph on the interstates. We understand that you don't mess with an angry rattlesnake. We also understand that Friday Night Lights are more important than any other calendar item during the fall. You just don't mess with Texas. Unfortunately, home insurance companies didn't get the memo about not messing with Texas. It feels like they are constantly trying to raise premiums and cover less.
As a result of this, we have spoken to thousands of Texans about their home insurance and have come to realize that there is a need to break down home insurance into easy to understand language. Through our conversations, we have worked to break down the complex topic of homeowners insurance into bite sized chunks that you can wrap your head around. There are only THREE MAJOR PARTS to a homeowners policy in Texas. You will always find Property Coverage, Liability Coverage, and Your Responsibilities inside that policy. And while there are multiple topics inside those three parts, it is easy to break them down so that you can know exactly what is and is not covered by your policy.
Below, we break down the topics of Property Coverage, Liability Coverage, and Your Responsibilities. We also included a fourth section that will give you some other items to consider. If you would like to discuss any of these items, we are ready to talk. We promise to speak Texan, shoot you straight, and make sure that you have TRUE Texas Home Insurance.
Property Coverage on your home can mean many different things. We always start with how much money would be required to rebuild your home. From there, we work with you to make sure that your precious and everyday items can be replaced if a loss happens. Where it can get stinky, is what happens with water damage. Click the links below to find out the what and how for each topic.
- Dwelling Value
- Separate Structures
- Roof Replacement
- Sudden & Accidental Water Damage
- Slow Leak Water Damage
- Sewer & Drain Backup
- Personal Property
- Items/Collections
- Storage Units
- Fences
- Pools
- Trampolines
Liability Coverage on your home will protect you for both physical and non-physical things that might occur. Lawsuits can be involved here, so knowing that you have a team of lawyers as well as money to solve issues involving others can go a long way to helping you sleep at night. Click the links below to find out the what and how for each topic.
- Personal Liability
- Medical Payments To Others
- Off Premise
- Personal Injury
- Securing Items (Trampolines/Dogs)
- Negligence (rotting trees/dogs)
Your Responsibilities are broken down in a couple of ways. Texans know deductibles exist, but aren't sure when and how they get collected. There is also this sticky situation called maintenance versus a covered loss. What gives? Click the links below to find out the what and how for each topic.
- Deductible General Definition
- Wind/Hail Deductible
- All other Perils Deductible
- Named Storm Deductible
- What is wear and tear versus a covered peril
- Fraud and the Law
- Zero Pay Claims
Everyone knows that the fine print can be problematic. Texans also love discounts. What do you need to consider when thinking about both of those? We will also touch on that hobby ranch you might be thinking of buying. Click the links below to find out the what and how for each topic.
- Water Shutoff Monitoring and Valves
- High Value Home Considerations
- Protection Class
- Volunteer Fire Department vs Professional
- Flood Policies
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