Call Us Today For A Free Quote | 972-732-6162
Helping you help yourself

Homeowners Insurance

Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Homeowners Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Homeowners Insurance Information

HOMEOWNER'S INSURANCE provides financial protection in the event that your home is destroyed or damaged due to an unforeseen or catastrophic event. In addition to your home, Homeowner’s Insurance also covers your personal property. It can also reimburse you for medical expenses and liability claims resulting from property damage and personal injury to other people caused by you or members of your family. A Homeowner’s Policy will also pay for Additional Living Expenses (ALE). ALE covers your expenses if you are forced to temporarily move into a temporary dwelling because of a covered loss to your home.

Two ways a Homeowner’s Policy can cover a loss to your property: 

·         All Risk (also called Comprehensive Coverage or Open Perils Coverage) offers broad protection and covers all perils unless specifically excluded by the policy. You should carefully review the excluded causes of loss section in your policy. Even the most comprehensive policy can exclude certain types of loss (for example, damage caused by flood). 

·         Named Perils (also called Specified Perils Coverage) offers narrower protection than an All Risk Policy and covers only perils specifically named under the policy. A policy offering Named Perils protection will also contain exclusions named under the policy. If you are thinking about purchasing a policy that provides Named Perils only, it is vital to be certain the policy provides coverage for the perils most essential to you. It is not uncommon for a Homeowner’s Policy to provide All Risk on the dwelling and Named Perils for personal property. 

A Homeowner’s Policy also offers different methods of settling your claim and repairing or replacing your property: 

·         Replacement Cost pays for all necessary expenses associated with rebuilding or repairing damaged property, up to the policy limits, less any applicable deductible amount. 

·         Actual Cash Value (ACV) factors in depreciation costs to your items and pays you the amount to replace or repair the damaged property, less depreciation and any applicable deductible amount. Most insurance companies offering Replacement Cost will initially pay for the loss on an Actual Cash Value basis. The company will then pay additional costs associated with the “replacement”. 

Remember, before claims are paid out, all losses may be subject to a deductible. In the past, flat dollar deductibles on insured homes were common. Insurance companies have gradually shifted to percentage deductibles. Most Homeowner’s Policies today have a 1% deductible for all causes of loss. However, it is important to know a typical Homeowner’s Policy has two different deductibles that apply, depending on the cause of loss. While both deductibles are often the same, they can vary. One deductible applies for wind or hail damage while a separate deductible applies to most other types of loss (fire, theft, water, etc.). The deductible is a percentage of your property’s insured value; not a percentage of the claim amount. This means it changes as your insured value changes. 

To avoid surprises after a claim, we want to help you understand and be aware of any and all out of pocket expense up front. When considering a Homeowner’s Policy, feel free to discuss deductible options with us. An uninformed decision could cost thousands of dollars when filing a claim. 

Need Help?
We love referrals! And thank you even more for your continued business.
Customer Service
Self policy service any time of the day, directly from our website.
Join Our Newsletter
Stay in touch with the latest events, news and offers we have.
From Our Blog From Our Customers
Read More Read More
Stay In Touch With Us Helpful Site Links Read the News
Stay up-to-date with the latest industry, community and agency news through our newscenter. We also provide handy hints on how to save on your insurance.

Read More
We have the expertise to find you the right coverage at the right price 
Powered by Insurance Website Builder