Texas Personal Insurance/Homeowner’s Insurance

Texas Homeowner Insurance Specialist

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Protect Your Home with Texas Homeowners Insurance

Texas Homeowners Insurance is expensive. No doubt as Texas consistently ranks as one of the most expensive states in the country for homeowners insurance.  This is in most part due to the weather that we experience. We are subject to hail storms, severe rain, tornadoes, and other weather situations that cause our rates to go up due to higher claims. ConXis Insurance Services understands this and an independent agent has access to multiple carriers that can lower your rate on your Texas Homeowners Insurance. We can help.

What Does Texas Homeowners Insurance Cover?

Typical Texas Homeowner Insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms, and hail. But, it’s important to know that not all-natural disasters are covered by Texas Homeowners Insurance. For example, damage caused by earthquakes and floods is not typically covered. You would be required to purchase separate earthquake and flood insurance policies to help protect your home and belongings against those types of risks.

Liability Coverage –  The personal liability coverage within your Texas Homeowners Insurance policy provides coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

Personal Property Coverage – Homeowners insurance doesn’t just help cover damage to your home. It may also provide coverage for the personal belongings you keep within it. Suppose your electronics are stolen from your home or your furniture is damaged by a fire. Personal property protection may help pay to repair or replace your property if they are damaged or destroyed by a covered risk. Many insurers offer optional coverage that may further help protect the items you own. For instance, you may be able to purchase extended coverage for items such as jewelry, watches, and furs that have values above your personal property coverage limits.

Other Structure Coverage – Most Texas Homeowners Insurance policies also include coverage for other structures that are on your property but separate from your home, like a detached garage, tool shed, or fence.

Coverage Limits and Deductibles – Keep in mind that each coverage in a homeowners insurance policy is subject to a limit simply means the maximum amount your policy would pay toward an occurrence or property item for a  covered loss. It is important to review your agent your coverage needs so he can take your unique needs into account. For example, the value of your home and belongings and how much it may cost to repair or replace them if they are damaged or destroyed by a covered risk. In most cases, you will typically have to pay your deductible before your insurance benefits start to become active. Read your policy or contact us to review your coverage limits and deductibles. You can typically adjust them to fit your needs.

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Learn How To Save With Texas Homeowner Insurance Discounts

Saving money is in every ones DNA. Understanding how you can save on your homeowners insurance by installing simple features and understanding what the insurance companies look for to offer discounts is important. Here are a couple items that offer discounts and are simple to do.

Smoke Alarms and Fire Extinguishers– Installing smoke alarms in each room offers and added element of safety to your home . It also provides for discounts .  Adding a fire extinguisher in your kitchen offers discounts.

Sprinkler Systems – New homes now have sprinkler systems installed in the home. This allows for a significant discount.

Multi Policy– Commonly called “Bundling”. When it makes sense to have multiple policies home insurance and auto  with one carrier can provide significant savings.

Other Discounts – Always ask about other discounts.  Each carrier has other items that they may offer. One common one is a claim free discount .If you have not files a claim in last five years on previous carrier, new carrier may offer a discount.

ConXis Insurance Is Your Home Insurance Resource

We understand that your home is your single largest personal investment. You have put a lot of time and money into maintaining your home. You need to feel good knowing that your home is protected and insured. ConXis Insurance Services is proud to be your McKinney Texas Home Insurance Resource. We are happy to review your coverage.  If you would like to schedule a free consultation please contact us at 469-844-7777.

Your Texas Homeowners Insurance Policy Is About Financial Protection.

Your Texas Homeowners policy is about financial protection.  For most people this the purchase of their home represents the single largest personal investment that a family will make. It only makes sense to protect your investment and memories with a Texas Homeowner policy.  Your home faces risks every day that include fire, natural disasters, burglary, vandalism, theft to name a few.  If one of these instances occurred your life could change overnight. To protect your self against this potential for loss. Having the right homeowner’s policy will not only give you financial security but will all you to be confident that should something happen you will have coverage for the occurrence.

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