This Is The Stuff You’ve Always Wanted To Know

Make no mistake, Texas homeowners policies are not all the same.

In fact, there are significant differences that can come as quite a shock if you ever have the need to make a claim.

That’s why I created this short document… to make you aware of what they are; show you how to correct them; and hopefully stack the deck in your favor should disaster ever strike.

Let’s talk about the good news first…

For a few “major” events, most Texas policies will provide coverage.

Damage from wind, hail, theft, fire, vandalism… these types of events are typically covered under most homeowner’s policies (subject, of course, to some sort of deductible.)

What about theft?

Most policies have special limits for certain items like jewelry, watches, furs, gun collections, musical instruments and other collectible type items.

And unless you buy special rider coverage it’s often easy to hit or exceed these limits. So make sure to read this section of your policy carefully and discuss it with your agent…

The Stuff You Knew Was There, But Didn’t Know Where to Look

(The REAL Stuff)

Like this… Insurance Denies Grandmother’s Claim

That one could have been covered.

                                                                                                  Texas Homeowners Insurance Surprises