What we can quote
[Confirm which of these you write]
- Homeowners
- Renters
- Rental and landlord properties
- Mobile and manufactured homes
- Flood insurance
- Umbrella liability
The two things most people miss
Your wind and hail deductible. Many Texas policies have a separate deductible for wind and hail, and it's often a percentage of your home's insured value instead of a flat dollar amount. On a home insured for $300,000, a 2% deductible means you pay the first $6,000 of a hail claim. That surprises a lot of people.
How your roof is covered. Some policies pay to replace a damaged roof at today's cost (replacement cost). Others pay what the roof was worth after years of wear (actual cash value), which can be much less on an older roof. Which one you have makes a big difference after a hailstorm.
We go over both with you so there are no surprises.
Common questions
Does homeowners insurance cover flooding?
No. Standard homeowners policies don't cover flood damage. That takes a separate flood policy, and there's usually a 30-day waiting period before it starts, so don't wait until a storm is in the forecast.
I rent. Do I need insurance?
Your landlord's policy covers the building, not your things. Renters insurance covers your belongings and your liability if someone is hurt in your place, and it's usually inexpensive. Many apartments require it.
I rent out a house. Does my homeowners policy cover it?
Usually not once someone else is living there. Rental properties need a landlord (dwelling) policy. Call us and we'll make sure it's set up right.
Can I bundle my home and auto?
Often, yes, and it can save money. We'll quote it both ways so you can see the difference.