West Texas Insurance Agency

3702 Mockingbird Ln
Amarillo, TX 79109

Does Homeowners Insurance Cover Pet Damage?

When getting a homeowner’s insurance cover, you’d want to know what it entails. The question of whether the insurance covers pet damage is common among homeowners. If you insure your home with West Texas Insurance Agency in Amarillo, TX, you’ll get insights into what the insurance covers regarding pet damage. 

Keep reading to know more about homeowner’s insurance and pet damage. 

The Type of Pet Damage Covered by Your Insurance 

Your insurance won’t pay for damages that your pet cause in your home. The insurer considers the policyholder as responsible for what the pet does. If your dog breaks your new iPhone, or when a kitty scratches your walls, you’ll be accountable for the damage. 

The policy doesn’t also cover any veterinarian visits. Your vet bills are your responsibility.  

There are instances where the home insurance comes through with pet damage. 

Property Damage Liability 

If your fluffy puppy destroys your neighbor’s property, the homeowner’s policy can cover the damage. The insurance policy will cover any fee needed for repairs or replacement. It further provides fees if you face a lawsuit. 

Bodily Injury Liability 

Homeowner’s insurance can cover injuries that your pet cause on other people. The insurance will compensate for the fees you have used on medical payments. It further covers any legal expenses related to the incidence. 

It is crucial to talk to your insurance company to be clear on pet damage. You can request the information to understand the extent of pet damage that the insurer will be liable for. With the right details, you’ll be in a better place to establish the ideal premiums. 

At West Texas Insurance Agency in Amarillo, TX, our incredible customer service team will provide you with insights on home insurance and what it covers. Get in touch to know more about homeowner’s insurance and pet damage. 

3 Scenarios Where You’d Need Home Insurance in Amarillo, TX

Home insurance is mandatory in Amarillo, TX in order to get a mortgage. Even if you own your home outright, it’s still a smart idea to have home insurance. Why? At West Texas Insurance Agency, we’ve put together a short list to answer this question. Read on to learn about three scenarios where you’d need home insurance or be out of luck. 

1. Injury on Your Property

You have a holiday party and invite friends and family, who bring their own friends. One of those friends slips and falls on your bathroom floor and bonks their head on the sink, getting a minor head injury. They, in turn, decide to sue you. Home insurance will help cover the cost of litigation. Otherwise, you’re left paying lawyer fees and court fees out of pocket. 

2. Fire

No one ever expects their house to catch on fire, but it does happen. That’s why you should have a plan in place just in case a fire were to break out. Make sure all your family members have memorized the escape plan and practice it until you get it perfect. If your home were to catch on fire, you can have peace of mind knowing that an insurance claim will help recoup the financial loss and put you up in a hotel. 

3. Theft

You may do all you can to prevent theft of your home, but it can still happen. If your home is burglarized, you’ll need home insurance to help you recover your losses. Typically, there is a deductible for this type of coverage, but once the deductible is met, your policy reimburses you for the rest.

To learn more about purchasing a home insurance policy, contact the team at West Texas Insurance Agency, serving the Amarillo, TX area. 

Why some Home Insurance Claims may be Rejected when Filing a Claim in Amarillo, TX

When you purchase a house, getting home insurance is the next logical step to take. However, it is imperative to read your policy carefully. You need to know the exact terms and conditions that are required to file a home insurance claim  West Texas Insurance Agency can assist you with understanding your policy so that your insurance claims are not denied. Here are some common reasons that a home insurance policy company may deny your claim. 

Not Filing Your Claim in Time and Not Having an Inventory of Your Belongings

Texas law states that you need to file home insurance claims within 15 days. This is because filing an insurance claim is a time-sensitive manner. Insurance companies need to see that damage incurred because of a specific reason that is covered in your policy. Claims are often rejected if the homeowner doesn’t have a comprehensive list of their property and the value of each item. It is a good idea to do a home inventory checklist as soon as you purchase your new premium.   

Making Late Payments or Missing Payments 

If you are late on paying your insurance premium or missed a payment, a lapse in coverage might have occurred. If something happens when your home insurance policy has lapsed because of nonpayment, then your not covered until you catch up on the balance that you owe. Getting calendar reminders, or setting up automatic payments, can help avoid getting an insurance claim denied. 

It is Not Covered in Your Policy or is Negligence of a Contractor or Someone Else 

If you hire a contractor and they cause significant damage to your property, it is your responsibility to pay it. You are responsible for the people that come in and out of your house or on your land. The reason for homeowners insurance is to protect what you own from circumstances that are out of your control. You can control, however, if your home is properly maintained. An insurance company isn’t liable for damage caused by negligence to maintain the basic upkeep and repairs necessary as a property owner. 

Other Reasons that a Claim Can be Denied   

Your policy clearly outlines what is and isn’t covered. If your home in Amarillo, TX incurs damage or mold from a water leak that is continuous, your claim may be denied. It will only cover these situations if it is caused by a covered risk in your policy. Your policy will also outline how long you can be vacant from the property and still be covered in case of damages due to vandalism, theft, or other instances that may occur. Earthquakes are also not covered. Wind and hail storm damage art covered when it affects your actual home or belongings, but no damage to trees and shrubs. Contact West Texas Insurance Agency to speak to an agent who will explain your policy to you in detail. They will clearly detail what your rights are as a homeowner who wishes to file an insurance claim.

Do I need to get home insurance for my Amarillo home?

Living in the Amarillo, TX area is a great option for a lot of people. Due to the strong local economy, it is also a good place to purchase your own home. When you are looking to buy a home, it is important that you carefully consider your insurance needs. There are several reasons why you need to get a home insurance policy for your Amarillo home. 

Provides Valuable Forms of Coverage

One of the reasons why you need home insurance is because it will provide you with valuable coverage. When you purchase a home, you are going to be making a very significant investment that needs to be properly protected. This insurance policy will protect both your dwelling and your personal assets. Additionally, when you get a home insurance policy, you will also receive liability coverage that will protect you if you are found liable for an accident that occurs in your home. 

Required by Lenders and Associations

Another reason that you may need to get home insurance is that it can be required by your lenders and association. If you have a mortgage loan, the lender will require that you carry home insurance to protect their collateral. Further, if you live in an area with a home association, there are often requirements in the bylaws that will insist you carry home insurance at all times. 

Buying a home in the Amarillo, TX area is a big decision. If you are going to buy a home here, it is important that you get it properly covered by insurance. When you need to get home insurance, you should call the West Texas Insurance Agency. The team at the West Texas Insurance Agency will explain all of your options and help you to select a policy that is right for you. 

3 Reasons to Increase Your Home Insurance Coverage

Part of the responsibilities of owning a home is ensuring your home insurance policy is up to date. This means if you’ve made significant upgrades to your home if your personal property has increased or changed, or you’ve started a home-based business, you may need to increase your home insurance coverage. Homeowners’ insurance policies issued in Amarillo, TX usually group various types of coverage into one policy. Before taking out a new policy or making changes to your existing policy, you’ll want to consult with a licensed insurance agency like West Texas Insurance Agency. 

Upgrades or Renovations

You probably need to increase your coverage if you’ve added additional space, outdoor features like a pool, and major upgrades like granite countertops. A pool, for instance, can create more opportunities for accidents or hazards. Additional space and upgrades translate to increased replacement costs in the event of a loss. 

Personal Property

If you’ve added more personal property or are now storing certain types of property like the top of the line electronics or high-end items, you probably need to speak with your agent. It’s easy to accumulate new or upgraded belongings and forget about the costs to replace them. Don’t forget smaller changes like more expensive furniture, additional clothes, and jewelry. 

Home Business

It’s been years since you moved in, but now you’re operating a business from home. You may need to add coverage for assets designated for your business. It’s best to first speak to your agent about the nature of your business, the designated equipment, and whether clients are coming in and out of your home.

Need more information about home insurance policies that serve Amarillo, TX? Contact us at West Texas Insurance Agency today!   

 

Home Winter Cleaning Routine

As winter approaches, you’ll need to go through your house to do a thorough job of deep cleaning it. You’ll need to make sure that it is properly ventilated to keep the air quality at its optimum while you are hunkered down for the season. In Amarillo, TX, the independent agents at West Texas Insurance Agency can help you freshen your home with an adjustment to your home insurance policy.

  • Check the air filters – the Environmental Protection Agency states that you should replace your air filters quarterly. This way the air in your home will remain fresh and clean.

  • Refrigerator – clean out the refrigerator by taking everything out and cleaning the bare fridge with soap and water. Using astringent cleaners will soak into the food when you put it back. Pull the appliance from the wall and vacuum the coils. You can also use a damp rag to remove old clinging dust.

  • Freezer cleaning – remove all the food and clean it as you would the refrigerator. If frost has developed, use a hairdryer to melt the frost. You can always unplug it and allow it to drain on its own if you don’t have a hairdryer or don’t wish to use one.

  • Washer and dryer – Refreshen the washing machine by adding vinegar to an empty cycle. For the dryer, you’ll need to unplug it and disconnect the vent in order to vacuum the built-up dust that’s formed from the last year.  

  • Floors – even though you vacuum your carpets regularly, you should consider renting a deep-cleaning carpet vac to penetrate below the surface of the carpet. This type of vacuum can be used on certain types of sofas and couches as well.

After you’ve cleaned your home for the winter, make sure to stop by West Texas Insurance Agency in Amarillo, TX for home insurance.

Home Insurance Options To Consider

Finding the right kind of home owner’s insurance is a very personal matter. There is no one-size-fits-all approach to insuring your home. You have a different property from the person next to you. You have different valuables inside and you have a different family. All of these are elements you need to consider when selecting the right home insurance add-ons. If you live in or around Amarillo, TX, West Texas Insurance Agency is here to help you find the right insurance options for your property. 

Flood Insurance

Sure, it doesn’t rain all the time in Amarillo, but when it does it often overwhelms the region. The ground your property is on accustomed to absorbing heavy rainfall. Additionally, if you have a plumbing line burst during the winter, it may flood your property. That is why you should consider flood insurance. 

Window Insurance

Do you have children? Do they love to play baseball and be active around the house? If so there is a greater chance of having a cracked window. Your home insurance may cover some damaged windows, but when it is human error you might receive limited coverage at best. With some additional window insurance, you’ll protect your property from this kind of damage. 

Added Liability Insurance

If you live in a crowded area with a good amount of foot traffic you may want to consider added liability insurance. This will help protect you if someone slips and falls on your property and then attempts to file a lawsuit against you.

The best way to determine the right home insurance options for your own home is to talk to the team at West Texas Insurance Agency. Here the team will help walk you through the selection process and go over the best way to protect your home. So, if you’re interested in understanding how to insure your home and you live around Amarillo, TX, now is the time to give the team a call. 

Must Have Home Insurance for New Homeowners

You just bought your first home and are ready to get homeowner’s insurance. Where do you start? Home insurance is how you’ll protect your valuable investment for years to come. At West Texas Insurance Agency in Amarillo, TX, we can help you find the protection you’re looking for at a cost you can afford.

If you’re buying home insurance for the first time, here are some of your best coverage options:

Dwelling Coverage

Dwelling insurance protects your home’s structure along with any attached parts such as a sun porch, balcony or garage. If your structure were to suffer damage from a fire, storm or other covered peril, your insurer will pay for repair or replacement costs, up to the limits on your policy. As homes are expensive investments, your dwelling protection should cover the cost of rebuilding your home if it suffers a total loss.

Personal Property Coverage

This coverage protects your belongings to include furniture, appliances, electronics, digital devices, clothes, heirlooms, and other personal items. If you own expensive goods, you should consider replacement cost coverage as it covers the cost of replacing anything that’s stolen, irreparably damaged or lost.

Liability Coverage

This insurance pays for the medical expenses of visitors who are injured while on your property. If your friend falls down the stairs and breaks his leg, liability insurance will cover his medical costs. Liability coverage also covers legal fees if you’re sued for damages due to accidental injuries that occur on your property.

Each of these coverage options come with default limits which can be increased or decreased to suit your need. By customizing your coverage, you can get more protection from your home insurance policy.  

To learn more about home insurance coverage and costs, contact West Texas Insurance Agency in Amarillo, TX today.

3 Tips for Keeping Your Homeowners Policy Affordable

The agents of West Texas Insurance Agency serve residents who live in or near the Amarillo, TX area. Their ultimate goal is to help their clients get the best rates possible for the insurance policies they purchase. There are several ways to cut monthly costs without lowering your coverage. A few of the most common ways to save money include the following.

Home Security System

Installing a home security system may make you eligible for discounts in terms of your homeowner’s policy. This is especially true if the system sends alerts to a third-party monitoring center. While there are several different brands of home security systems, most are recognized by insurance agencies for the benefits they offer to consumers.

Raise Your Deductibles

Raising your deductibles is one of the quickest ways to lower your monthly insurance payments. By agreeing to maintain a higher level of financial responsibility, your insurance premiums will start to decrease. The higher your deductible, the lower your monthly premium.

Bundle All of Your Policies

Another way of saving money on monthly insurance costs is to bundle your policies. Bundling your home, auto, and boat/motorcycle insurance in one policy can lower your monthly premiums dramatically. By having all of your policies with one company, you can pay one premium to cover them all. No more multiple payments or mixed up billing dates.

Everyone wants to learn how to save money, especially when it comes to insurance policies. If you live in the Amarillo, TX area and have questions about your homeowner’s policy, call the agents at West Texas Insurance Agency. They can review your existing policy and make sure you have the best coverage possible at an affordable cost.

3 Questions To Ask Your Broker About Your Home Insurance Policy

What do you talk about with insurance brokers as you shop around for your homeowner’s policy?

Do you have a fruitful conversation about what your coverage might entail, or do you browse around on your own and try to figure out what the best fit for your situation is? If you’re doing business with the West Texas Insurance Agency, your agent will answer any questions you may have. Here are the three most important questions to ask a broker about your home insurance policy.

1. What Exactly Is Covered In The Event Of total Loss?

If tragedy strikes and you are left with nothing regarding your home and possessions, you would hardly be expected to make sense of what your policy will cover as you get back on your feet. This is why it’s crucial to discuss total loss coverage now, while your home is intact and your policy is new or not yet in effect.

A standard homeowner’s policy will cover damage caused by most disasters except earthquakes and flooding. Those two natural disasters are climate and area-specific. Therefore, they’re not included in a general home insurance policy. You should research if you need additional coverage not covered by a general home insurance policy in Amarillo, TX. 

Your total loss coverage depends mostly on your home’s construction as well as your neighborhood. It may also include your possessions inside of the house, generally valued at up to 50 percent of your total coverage. Every policy is different, though, so it’s worth it to ask about the specifics.

2. What’s My Additional Living Expenses Coverage?

If your home is uninhabitable, you’ll have to live somewhere else. Not everyone is lucky enough to have generous loved ones who will let them room at their house free-of-charge, so most home owner’s policies provide additional living expense (ALE) coverage.

It’s worth knowing how much you’ll be reimbursed for hotels, food, and other expenses in this type of emergency. You should also ask about how this reimbursement is distributed by your insurance company. Do you need to provide receipts for every expense, or are you paid out in advance after disaster strikes? Knowing this will help you budget appropriately in case of emergency.

3. Am I Eligible For Discounts?

Depending on some personal factors or features in your home, you might be up for a lucky break. You can get a discount on your home insurance. Your broker won’t know which discounts you’re eligible for unless you mention that you’d like to explore your options.

For instance, you may qualify for a discount if you have a smart home security system installed. There might be discounts based on age, disability, or veteran status as well. You lose nothing by asking this particular question, while you may gain a good bargain by doing so.

Are you ready to talk to a broker in Amarillo, TX? Contact the West Texas Insurance Agency today to get your questions answered.

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