Homeowners Insurance and Home Insurance in Houston, Texas Gulf Coast and Nearby Cities

Posted on: May 15th, 2018

Rick Tinker can help you with homeowner’s insurance in Pasadena TX, Webster TX, Galveston, Houston, League City or the Texas Gulf Coast. They will help get the right home insurance with the right coverage at the right price. The important thing about home insurance is to have adequate coverage without serious gaps. Rick Tinker can help you with that.

If you dint have adequate homeowner’s insurance, you are at financial risk.  Just because you have a homeowner’s insurance policy does not mean you covered for all your real risks. A standard homeowners insurance policy should include property damage cover and liability cover. Property damage cover will pay for damage to your building and possessions.  You may need to include other structures if you have detached buildings. You may also need to specify high value items separately. This normally includes jewelry, fine art and other collections. A personal property floater can help to properly insure high value items.

Liability cover protects you in the event of 3rd party claim. A third-party claim can result when someone is injured while on your property. Medical payments coverage will pay for medical expenses if someone outside your family is injured while on your property.

Insurance provides important coverage but does not include every risk. There are always exclusions and limitations. A good example of an exclusion to a homeowner’s insurance policy will be flood insurance. Other areas of concern could be storm damage, natural disasters, civil unrest, alternative living expenses, limitations in pay-out amounts and excesses of co-payments.

Home insurance is one of the most important risk management tools you will ever invest in. You need to be sure it is right. The team at Rick Tinker will help ensure your homeonwers insurance is good and proper.

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