Whether you are buying a house, reviewing an upcoming renewal, owning a condominium unit, or insuring a rental property, a licensed Texas agent at our office can walk through your options and deductibles in plain language.
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Every policy is governed by its own written terms, limits, and deductibles. An agent at our office can walk you through the details of a specific policy and how each part applies to your property.
A homeowners policy is generally structured around the physical dwelling, other structures on the lot such as a fence or detached garage, your household's personal belongings, additional living expenses if a covered loss makes the home unlivable during repairs, and personal liability.
A condominium association typically carries a master policy for the building exterior and common areas, while a unit owner's policy generally addresses interior finishes, fixtures, personal belongings, personal liability, and loss assessment options. An agent can review your association's master policy summary with you.
When you rent a house or residential unit to tenants, a standard homeowners policy is generally not meant for that arrangement. A landlord policy often focuses on the rental dwelling structure, premises liability for the property owner, and options related to rental income if a covered loss interrupts occupancy.
Spring hail is part of life in North Texas. It is a good reason to know your deductible before storm season, including whether your policy uses a percentage deductible or a dollar amount for wind and hail.
In addition, flood damage is generally not covered by a standard homeowners policy, and flood insurance is usually separate. An agent can talk it through with you so you know what options exist for your address.
Property insurance questions often come up at specific moments in household life. Our office regularly sits down with neighbors in The Colony, Little Elm, Frisco, and Lewisville who are in one of these situations:
Mortgage lenders require proof of insurance before closing. We can review the property details, walk through dwelling and deductible options, and coordinate with your lender's closing timeline.
If your renewal packet arrived in the mail or you received a letter from our office, we can look at your current declarations page together and explain how your current limits and deductibles are set up.
Replacing a roof in North Texas is an important detail for property underwriting. Having the year your roof was replaced helps an agent review your options accurately.
If a property is rented to tenants or about to be leased, we can walk through how landlord insurance differs from an owner-occupied homeowners policy.
You can text these details or a photo of your current declarations page before we talk. Do not worry if you do not know every item by heart; we can help you look them up.
These answers provide general information for Texas property owners. Because every policy is different, a licensed agent will walk through the exact terms of any policy you consider.
Text us a question or a photo of your current declarations page, call our office on Standridge Drive, or use our short question form.
When you text us, our automated assistant replies and tells you it is automated. Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for help. See our Terms of Service and Privacy Policy.