Rick Tinker is an independent insurance agent and can help you with homeowner’s insurance in Pasadena TX, Webster TX, Galveston, Houston, League City or the Texas Gulf Coast. As an independent insurance agent, they work for you and not the insurance company. They can find the best home insurance deals by shopping around and selecting the options for you. They will also ensure your homeowners insurance is a good and solid. You might have a homeowner’s policy but that does not mean there are no serious gaps in your coverage.
Homeowners insurance will cover you for every day risks such as fire, accidents, theft and liabilities. This type of coverage is important but there are other areas of coverage that are also important. One of these areas is natural disasters and calamities. Damage as a result of tropical storms, hurricanes, storm surges and flash floods are good examples. Most home insurance polices won’t cover you for flood damage. That is supplemental insurance and Rick Tinker can help you with that.
Another possible gap in your homeowner’s insurance could relate to high-end valuables, computers and electronic files. Specific valuables such as jewelry and art collections need to be specified separately or insured separately. Insurance has limits and will only cover certain things and to a certain amount. You also need to be sure that you are covered for the replacement value of your stuff.
With homeowner’s insurance you should have your normal coverage, but you need to be sure you don’t have risky gaps in your coverage. This also applies to condos and town houses where the body corporate carries insurance for the complex and you carry insurance for your unit.
Home insurance is complicated and it makes sense to get professional help and advice.