Homeowners insurance in the US Gulf Coast
Homeowners insurance in the hurricane areas of the Gulf Coast can be difficult. Some companies don’t insure there at all and those that do are often expensive. That is why you need help from the insurance specialists at Rick Tinker. They can help you with best value homeowner’s insurance in Clear Lake, Manvel, Pasadena TX, Webster TX, Friendswood or Galveston. They will also help you with flood insurance as well as windstorm insurance in addition to homeowner’s.
Homeowners insurance should protect you from the financial losses as a result of storms, fire, theft and possibly other events. However, standard home insurance won’t cover you for flood or windstorm damage, not along the US Gulf Coast in any case. It is important to know what you are covered for and what not. You also need to know how much you are covered for and any excesses or deductibles that apply. The replacement value of your home is likely to be much higher than the initial cost. So you need to be sure about that. You also need to be aware of specific exclusion that might apply. These could for example be damage as a result flooding, earthquakes, termites, insects, rats or mice.
The first and most important part of your property s what is called the dwelling. This includes your home and various unattached structures such as fences, sheds, pools and garages. Then there is your personal property such as appliances, equipment and furniture.
Another important component of your homeowner’s insurance is liability and medical. If are found legally responsible for someone else’s damage or injury you can face massive liability suits. Loss of use is another important consideration and will cover temporary or alternative accommodation.
A professional agent such as Rick Tinker will be able to advise you and help you find the right home insurance for your needs and your risks.