Most new homeowners don’t have a lot of knowledge about home insurance. They count on their insurance agent to ensure they have the right coverage. At Shell Insurance Agency in Deer Park, TX, we get to know our customers so that we can offer you the right choice.
You can choose the deductible amount that is right for you
Having a higher deductible can help make your home insurance more affordable. But, the amount you choose has to be reasonable for you to pay if you file a claim. The deductible is usually between $500 and $2000 but can go as high as $5,000. It is also important to know that the deductible is on every claim; it is not a yearly amount.
Not everything is covered by home insurance.
Home insurance policies have exclusions, things that just aren’t covered. Some things not covered are:
- Earth movement
- Sewer backup
- Wear and tear
- Owner neglect
Home riders you may want to add
Riders, also called endorsements, are additions to your policy that either expand the overage you already have or add excluded coverage. You should consider a jewelry rider if you have more than a small amount of jewelry. You need to provide an appraisal for valuable pieces. If you have antiques or expensive electronics, these also need an additional coverage rider.
What type of coverage does home insurance provide?
Home insurance offers very important coverage for your home. Property insurance covers the basic structure and any attachments. Unattached garages, sheds, and casitas are also covered. The content of your home is covered. You have liability insurance coverage and loss of use protection which helps you have a place to stay if your home is damaged.
Contact Shell Insurance Agency in Deer Park, TX if you have questions about home insurance.