If you have a home insurance policy in the state of Texas, you’ll be able to replace your home and personal property if they get damaged or destroyed by specific perils. However, there may be only certain “covered losses” on Texas home insurance policies. You may think that you’re covered for a particular incident, but there’s a chance that you might not be.

What a Texas Home Insurance Policy Won’t Cover

While Texas home insurance policies will cover any replacement costs or medical expenses for many types of incidents, it won’t cover any of the following:

• Floods
• Earthquakes
• Infestation of rats, mice, or insects (including termites)
• Damage caused by a freezing pipe if your home isn’t occupied (unless the water has been turned off or if you heated the building)
• Any losses that occurred on the property if it has been vacant after a certain number of days (which will be listed in your policy)
• Damage caused by “wear and tear”
• Damage to trees and shrubs if it’s caused by wind or hail
• Mold (unless it’s necessary to complete the repairs)
• Water damage that’s caused by continuous or repeated leakage

You can always buy windstorm or hail insurance, and you can buy separate coverage for any damage that’s caused by a flood. Be sure to speak to an agent to get more information on what you can do to cover any of these losses.

A Superior Home Insurance Broker in Amarillo, TX

If you want to find the best home insurance broker in Amarillo, TX, West Texas Insurance Agency can help you find a policy that will meet your needs and fit your budget. Our team has years of combined experience so that we can help you with all your insurance needs. If you want more information on how we can help you, please feel free to contact someone at West Texas Insurance Agency. We would be happy to speak with you!

Homeowners insurance is a coverage that protects you from financial losses when your home is destroyed by the perils listed in the policy. Your home is perhaps your most valuable investment and you ought not to take chances with it.

Risks Covered by Homeowners Insurance

Risks covered vary with the insurance companies. West Texas Insurance Agency in Amarillo, TX offers cost-effective home insurance options to cover your home against risks such as theft, fire, and effects of adverse weather conditions like tornadoes, windstorm, hail, lightning, and explosions or volcanic eruptions. The agency serves states like Texas, Oklahoma, and New Mexico. It provides basic coverage options such as:

• Liability Coverage – pays for damages caused by you, members of your family, or pets on other people’s properties.
• Property Coverage – to protect all your belongings such as furniture and jewelry against damage caused by fire, lightning, smoke, vehicles, riots, explosion, theft, and falling objects.
• Dwelling Coverage – covers your entire house and everything attached such as parking, sheds, and decks.
• Additional living expenses coverage – provides for extra costs such as a place to stay after your house is damaged.

Remember, home insurance does not cover disasters such as floods, insects, earthquake, water leaks, nuclear hazards, war, wear and tear, or even neglect.

Factors to Consider when Choosing Home Insurance Coverage

The actual cash value or replacement costs are options that you can choose. Replacement cost helps to re-build your home in case of destruction. This coverage ensures that repairs are done using the exact materials and quality when initially constructed.

Consider choosing a policy that you can easily afford while ensuring that the coverage offered is adequate. Conduct an annual review of your home insurance to make any adjustments if need be.

The best way to secure your home investments is by getting the services of a reliable insurance company. West Texas Insurance agency in Amarillo, TX offers its trusted services to states such as Texas, Oklahoma, and New Mexico. For more information or questions, visit our office or give us a call at 806-352-2090. Our website also offers an online rating tool for quotes on home and auto insurance from the comfort of your home.

A home is like a haven. It is a place where you raise your family as well as a place where you create precious memories. You need to protect this home against any unexpected risks such as fire, theft, and weather among more. West Texas Insurance Agency in Amarillo, TX is here to help you protect that haven by offering you a home insurance policy that fits your needs.

However, before signing any contract with us, it is good that you understand some key essentials of home insurance. Some of the key facts include:

Damage covered depends on your policy – Not every event that destroys your home can be covered. You need to know what your plan entails and if you need any changes to be done, make sure you communicate it to your insurer.

Have a home inventory – Make sure you categorize everything you have. In doing so, you will be able to know which items were damaged when filing a claim.

You are in control – Most people feel like the insurance company is in control. That should not be the case. You should explore different insurance companies offering home insurance so that you can have options to choose if you cannot find a policy that fits your needs.

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Having looked at the essentials, below are our home insurance coverage options you should consider:

Dwelling coverage

• With this coverage option, your house, as well as anything attached to it such as decks, are covered.

Personal belongings

• When your home is damaged by a certain event such as fire, there is a high probability that your belongings will be destroyed. So, with this coverage, all your belongings should be protected. However, make sure you do a home inventory before taking this policy. Certain items such as expensive jewelry may need additional coverage.

Liability coverage

• Liability policy protects your family against lawsuits for any damage you cause to other people. Also, it covers against any harm your pet may cause to your neighbors.

Additional living expenses

• When your house gets damaged, you may need a place to stay before it is repaired. We help you cover living expenses incurred as a result of damage caused to your home.

So, if you are in Amarillo, TX and need a home insurance policy, West Texas Insurance Agency is always here to guide you. Feel free to contact us today via our website or by phone, for more information.