Known for its many parks and best place to live awards, Plano Texas 75024 hosts many activities in the Dallas Metroplex. Business travelers or families can see South Fork to Six Flags all in one day if they wish. A planned community it has developed many activities to keep families active. To make life easier city planning makes sure needed stores and utilities are just a few blocks away. Plenty of parks, and intramural events to participate in. Local cafes cater to the evening crowd where talking and chatting with friends is encouraged. Bookstores in many locations serve the educated population hobby needs but continuing education learning for career or pleasure is a given. The DART system makes it easy for commuting to Dallas for work or play. A quality lifestyle is a central goal in this city for its residents.

Neighborhoods such as Gleneagles, Prestonwood Hills, and Willowbend have distinctive flavors but have a set of community rules. Winter comes and snow with ice makes life a bit more risky. As your local insurance agent you need a good homeowners insurance. You need to understand the personal injury claim on the policy for those times someone falls in the snow. A good policy covers for such instances and covers you in case someone sues you for negligence. Neighborhoods in Plano TX do many preventative measures so policy details depend in what neighborhood you live in. I have all that information available for us to look at together and determine the best policy for your needs.

While running errands or if you just need a trip to get out of the house, come and visit my office. We have coffee brewing. Get some comparable quotes off the internet and let’s chat about your policy.

Throughout Texas, you can take advantage of various locales. You have the desert, the plains, the mountains, and the city life. You can experience all four seasons throughout the year and various metropolitan areas exist for you to call home. In comparison to the rest of the country, the home values can be more affordable and income levels can be higher.

When you obtain homeowners insurance for your home in Texas, you have to look at what’s being offered. There are various ways for a policy to differ. This includes:

– Cost of premium

– Levels of coverage

– What events are and are not covered

Should something happen to your porch or foundation as a result of sinking, you want to know that the money to make the repairs is not going to come out of your pocket. You should be able to file a claim with your homeowner’s insurance policy and know that they will provide the money.

This will not always be the case. You have to plan for such issues when you shop for homeowner’s insurance. A sinking foundation or porch may or may not be covered – and may not be covered based upon how it happened.

Foundation is usually as a result of shifts in the ground. This could be from a large storm, a flood, or something else. The fine print of your policy will tell you what events will be covered and what won’t. If you live in a flood zone, you may also be required to have flood insurance above and beyond your standard policy – and this could provide you with the added coverage.

By working with one of our agents in Texas, we can find a policy that makes sense and gives you the coverage you need. This way you know your porch and foundation is always covered against sinking and anything else.

The Texas Department of Insurance has a wealth of useful information to help home owners learn about their homeowners insurance options. It's easy to get confused when so much information is presented at one time. We want to clarify some things so you can bring a list of questions with you when you come to talk to your independent agent.

Distinctions Between All Risk and Named Perils Home Insurance Options

When it comes to age-old clichés, “you get what you pay for” is very applicable when talking about homeowners insurance options. Higher insurance premiums translate into more comprehensive coverage.

All Risk Policies

An All Risk homeowners insurance policy is to home insurance what major medical is to health insurance. It is your most comprehensive homeowners insurance option. It covers you for any peril unless the policy specifically excludes it.

Named Perils

To return to the health insurance analogies, think of named perils as the homeowners insurance equivalent to health insurance that only covers you for hospitalization. You wouldn't be covered for doctor's visits, physical exams, routine screening tests and that sort of thing. Named perils only protects you for the situations specified in the policy.

Replacement Cost or Actual Cash Value?

People often get confused about the difference between replacement cost and actual cash value. You pay more for replacement cost, but it doesn't matter what the cost of replacing your personal property is, because it's covered.

Likewise, if your house is seriously damaged, or destroyed, unless you opted for replacement cost, you probably wouldn't be able to get enough money back from the insurance company to repair the damages, or rebuild your home.

Actual cash value policies look at the value of your home and property when you bought them. Like a car and other things, everything depreciates over time, because of wear and tear and general use.

Actual cash value policies subtract the depreciation from the amount you paid for your home and property. If you bought your home 20 years ago, the cost was a lot lower than what you'd pay for it today, and that's the figure the company looks at if you choose the actual cash value option over replacement cost.

Take the time to compare your homeowners insurance options online, and then contact us to talk about your situation. We will help you look at different coverage options to find the right one for you and your family.

Coverage C is the part of a home insurance policy that protects personal property. Often, the limit of this coverage is automatically set to 70 percent of the limit on the dwelling. For example, if your home in Addison, TX is worth $300,000, then your Coverage C limit for personal property is probably $210,000. Every insurance policy, though, has other limits and exclusions listed in the policy’s Coverage C section. Here are some typical ones to look for.

Excluded Items that are Not Insured

There are a number of items that are specifically excluded from personal belongings, regardless of their value. Some common examples include:

• business data and equipment
• vehicles, boats and airplanes
• pets
• any tenant’s belongings, if the property is rented

Items that are Insured to a Certain Value

Some items are insured, but only up to a certain value. Each insurance company has different limits, but they all set limits on how much they will reimburse for the loss of jewelry, money, firearms and silverware, among other things. If your policy does not provide the full value of any of these belongings, riders are available to supplement your coverage.

Items Not at Home

The Schedule C section of your homeowners policy also provides coverage while you are away from your primary residence in Addison. While this coverage protects your belongings at someone else’s home, in a hotel room or at your ranch, the level of coverage is greatly diminished.

Complement Your Policy with Riders

Riders provide supplementary coverage for any items that are not fully insured by your Schedule C. Because these items are often highly valuable, it is best to purchase riders directly through an insurance agent, rather than online. Give one of our agents a call, so we can review your Schedule C and go over your belongings. If you need one, we are able to set you up with a rider.

Homeowners insurance generally covers common pets, such as dogs and cats (although some policies exclude certain breeds of dogs). Many home insurance policies will not cover damage caused by an exotic pet, though. If you have an unusual friend, you are probably in one of the following scenarios.

Domesticated, But Different

You may have a domesticated animal, but one that is not a common household pet. Horses, pigs, peacocks and llamas are all examples of animals in this category. Depending on the specific animal you have and your insurance policy, these animals may or may not be covered. If they are not covered, you are probably able to purchase a rider for them.

Truly Exotic Creatures

Perhaps you have a more exotic non-human friend, such as a big game cat or chimpanzee. These animals are often not covered by Texas homeowners insurance policies, because they are not fully domesticated. Your insurer may offer a rider for them, or you might have to purchase a spate policy for your exotic animal.

Exotic – And Illegal

Some people, sadly, keep animals at home that are illegal. In Dallas, residents are prohibited from keeping roosters, poisonous snakes, rheas, ostriches, bears, wolves, large cats, primates, deer, antelope, camels and bison within city limits. If you have one of these animals at home, your policy will almost certainly not provide coverage–because you are breaking the law.

Find Coverage for Your Friend

To find coverage for your exotic friend, wither furry, feathery or slithery, get in touch with one of our agents over the phone. Because coverage for these animals is so specific, finding a suitable policy requires a conversation with a licensed agent.