Home Insurance Quotes
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For many of us, our home is the single biggest asset we own. It is more than a structure or a building, it is a home. After a loss, the last thing that you want is to worry about your insurance. For this simple reason we have built relationships with top rated carriers to provide you with peace of mind. Whether you are renting an apartment, buying a high rise condo, or just moved into your dream home in the suburbs we can help. Our agents will help you make a choice among the many different options and take the time to explain exactly what you are getting. Making the right choice on homeowners insurance is an important decision, but it does not need to be complicated. Let us help represent you to find the carrier that will offer the best price for the best coverage.
Home Insurance 101- the Basics
What do I need to know?
Home Insurance is made up of a few different coverages. Here are a few things to make sure you have.
- Dwelling Coverage – Covers damage to your home
- Personal Property – Covers damage to your belongings
- Liability – Covers your legal responsibilities for injuries or damage to other peoples property
- Loss of use – Covers the cost of temporary livings expenses incurred while your home is being rebuilt
Replacement Cost vs Actual Cash Value
Ensuring your home and contents at replacement cost is one of the smartest decisions you can make when shopping for insurance. Replacement cost uses the current cost an item while Actual Cash Value depreciates that amount based on it age.
Types of Policies- Buyer Beware
There are many different types of policies on the market today. These types of policies make a huge impact on what is and isn’t covered. By using one of our agents we can help you accurately compare multiple top rated carriers to find out who is really offering the best value. For example, if you are comparing the price of a HO-A to a HO-B then you are essentially comparing the insurance equivalent of a garden shed to a brick home. If you don’t know what your policy is then you might be at risk. Let us help you find the best price without sacrificing coverage.
Personal Injury Protection/ Medical Payments pays for the treatment of injuries to the driver and passengers of the policyholder’s car. PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.
Rental Reimbursement and Towing
These are great perks to have on your auto policy. Both are inexpensive and can really help when you are in a pinch.
Every person is unique. Talk to us today to find out how to get the best price and value on auto insurance in Dallas and the surrounding areas.
Ready to find out more? Ready to buy?
Helpful Resource Links
- Insurance Information Institute-http://www.iii.org/insurance_topics/
- Kelley Blue Book –http://www.kbb.com/
- Insurance Institute for Highway safety-http://www.hwysafety.org/
- Highway Loss Data Institutes-http://www.carsafety.org/
Got More Questions?
Check out our helpful information section to learn more about insurance