Standard home insurance does not cover everything
Home insurance is the most cost effective way to protect your financial should an unfortunate event occur. Rick Tinker is an independent agent and can help you get best value homeowners insurance in Alvin, Brazoria, Friendswood, Galveston, Houston, League City, Mansfield, Pearland or the Texas Gulf Coast, TX.
There are many risks and perils out there that can cause property damage or destruction. These include the normal candidates such as fire, floods, water damage, smoke damage, storm damage, theft, vandalism and so on. Structural damage is not the only thing you as a property owner should be concerned. There is also the risk of an accident and injury to a third whilst on your property. You need liability insurance to cover possible third party claims that could result from domestic accidents.
You need home insurance that will cover the damages to your property should some disaster knock on your door. You also need to be sure you are covered for the replacement value of your buildings and structured. Your homeowner’s insurance should also include content cover for your valuables such as appliances, furniture, fittings, carpets and equipment.
Homeowners insurance does not cover everything and does not cover all risks. You need to be aware of what is covered and what is not. A good example is damage as a result of natural floods and windstorms. You need be sure about even if you are not in a high risk area. Flash flooding is one of the major causes severe property damage. It may well be that you need separate flood and windstorm insurance.
Not all your valuables will be covered. Certain high ticket items such as collections, paintings, works of art and jewellery may need to separately listed and insured. A professional agent such as Rick Tinker will be able to help you with all these things and will ensure you have home insurance that is good and proper.