Selecting an agent to partner with for your homeowner’s insurance needs is an important decision that should be made only after careful consideration.
There are so many choices these days. Homeowner’s insurance can be purchased through mortgage companies with insurance affiliations. It can be purchased with a credit card via a phone call to a customer representative who may not even be located in this country. Coverage can even be obtained by filling out a form on a website with no human contact involved. But when it comes time to file a claim, who do you turn to? Your home is your biggest investment, why trust someone you can’t see or meet in person to protect it?
Choosing a home insurance broker in The Woodlands, like Texan Insurance will lessen the burden of determining the right home insurance policy for your situation.
We all expect our homeowner’s insurance to cover the structure of our home should it be destroyed by fire or leveled by a tornado. But what about the many other threats, such as theft and accidents, that may cause you to lose sleep? You may not be aware of the many ways homeowners insurance can protect you.
Even a standard homeowners policy with no additional provisions typically offers protection in four key areas.
Although home insurance policies can offer different protection, most policies cover:
It’s important that you know the specifics of your own homeowner’s insurance policy. Understanding all the protection it provides as well as anything excluded in your policy. Be sure you have all the protection you need without paying for coverages you don’t need. Our experienced home insurance experts can assist you with evaluating your coverage and understanding all the details of your policy. Don’t lose any sleep wondering if you’re adequately protected!
Finding ways to save money is always welcome, but often we don’t think of essential expenses such as homeowners insurance when considering ways to cut back on those expenses.
Floods are the most costly natural disaster in the United States, causing over a billion dollars in damage every year. Yet many people mistakenly believe that they are safe from flooding because they don’t live in a “high risk” area. But the fact is, every home is in a potential “flood zone.”
Why should you be worried about flooding? As history has shown, unexpected floods can strike in The Woodlands. One-quarter of flood loss occurs in areas designated “low” or “moderate” risk. And the typical homeowner’s insurance policy doesn’t cover floods or water damage of any sort.
Flood insurance policies are important, and a necessary expense for most homeowners. However, there are other types of flooding you have to worry about. It’s also important that you are protected from water damage due to overflowing drains, sewers, or sump pumps too. These events may not count as a natural disaster, but they can certainly cause a disaster to affected Texas homeowners or renters. They can result in a financial disaster on top of that. It takes just an inch of water to inflict thousands of dollars worth of damage, and it doesn’t matter to your carpet, furniture, wiring, and appliances whether that water comes from a hurricane or a backed-up sewer drain. That’s why we recommend additional water damage coverage for all of our customers.
We are a trusted home insurance broker in The Woodlands. What does that mean for you? Not only do we know homeowner’s insurance, but we also know The Woodlands! Our agency focuses on three principles: insurance expertise, personalized attention, and commitment to our customers. As an insurance broker, we offer a wide variety of products and services, and because we are affiliated with over 40 of the best insurance companies in Texas, we have the unique ability to provide you and your family a solution that meets your specific needs. Call Texan today!