Texas home insurance policies and The Important Coverage Endorsements Left Off To Lower The Texas Homeowners Insurance Rate!

Is the cheapest Texas insurance quote always the best? If it looks to good to be true, it probobly is!

Free online Texas insurance quotes and local Houston insurance information.

Do you know what your deductibles are?

• Today many agents are using substandard deductibles.
  • For example in order to reduce the total premium a 2% or even 5% deductible will be placed on the policy. Sometimes unknowingly to the consumer!
    • Think of it this way if you receive a quote for a home insured for $175,000.00 with a 5% deductible; your responsibility would be $8,750 before the insurance company would pay a penny.

Do you know if you have replacement cost coverage on your contents?

• In order to lower the quoted premium significantly some agents are not including Replacement cost as part of the Texas homeowners insurance policy.
• If you suffer a loss do you want the insurance company to pay you the amount it takes to replace your loss at today's cost or at the lower depreciated amount?
  • Replacement cost should always be your choie unless your house is really old or worn. You shoud speak to your local Texas insurance agency about what would work best for you.

Important coverage endorsements Texas insurance agents purposly leave off insurance policies to lower rate.

Texas windstorm and hail coverage

• We have seen quotes from major carriers leaving out Texas windstorm insurance and hail coverage on a Texas home insurance policy.
• Not purchasing coverage for Texas windstorm and Hail coverage is a big roll of the dice!
• If a disaster strikes today your family might be homeless tomorrow.

Does your poilicy cover sudden and accidental discharge of water?

This is very important!

• Discharge of water is also a coverage that some agents are leaving out of home owner policies.
• Do you want the damage covered, if your hot water heater or a pipe bursts in you home causing thousands of dollars in damage? YES!

Are you covered for back up of sewer and drains?

• Are you covered if water backs up through a sewer or drain, or overflows from a sump pump?
• Water backup can be caused by:
  • Blockages Due to Tree Roots
  • Blockage of Sanitary Main
  • Cracks in foundation leaks water into the basement

Foundation coverage protects you from cracking foundation.

• Do you want the damage covered, if a waterline breaks under your foundation causing the foundation to sink
• The foundation coverage endorsement is the most commen coverage left off Texas home insurance policies.

Ask these questions before you purchase a Texas home insurance policy!

• How long has the agency been in business?
• How many companies does the agent represent?
• What kind of claim service does the company offer?
• What deductibles is the agent quoting you?

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