Things that home insurance doesn’t cover

Home insurance is the safety net you purchase to protect your home. It offers lots of different protection from a variety of hazards. You may feel like you have all the bases covered, but unfortunately, like most other types of insurance, home insurance has exclusions. Knowing what they are can help you to make whatever other plans you need to make. At EasTex Insurance in Tyler, TX, we are independent insurance agents and we represent you, our customers. With more than 40 years in business, we have the experience you need and expect. 

Owner negligence

You may think that your home is your castle and the upkeep of your castle is your personal business. You are wrong. Your home insurance expects you to take care of your home and if you don’t, the insurance will not pay for any resulting damage. If you need a new roof but hold off on replacing it and get damage as a result, you won’t be covered. If termites do devastating damage to your home, you won’t be covered. You should have a termite bond. 

Floods

Floods cause millions of dollars of damage every year and your home insurance won’t pay. If a pipe bursts in your home and floods it, that is covered, but if you are inundated by surface water, you will only be covered if you have designated flood insurance. 

Earth movement

Earth movements include earthquakes, mudslides, and sinkholes. While these all cause a lot of damage, they are not covered under a standard home insurance policy. You can add an endorsement to cover them, however, or buy a totally separate policy. 

Limited coverage

Some specific areas have limits built into the policy. One of these is jewelry. Check the limits on your policy and expand it with an endorsement if necessary. 

When you have home insurance needs, contact EasTex Insurance in Tyler, TX.

How Homeowner’s Insurance Protects You

Homeowners insurance provides financial protection for your home and all personal belongings inside. However, if you currently have this insurance policy for your home in Tyler, TX, you may begin to wonder if it is enough? You may also wonder more specifically what it is protecting you from. While the professionals at EasTex Insurance can help answer these questions and others, additional information can be found below, as well.

Homeowner’s Insurance Defined

Homeowners insurance is a group of protections that help replace or repair your home, outbuildings, and belongings if they are damaged or lost because of theft or fire. It can also cover costs incurred due to accidental damage to someone else’s property or if someone visiting your home is injured.

The Cost of Homeowner’s Insurance

The cost of insurance depends on several factors, including your home features, the cost of your personal belongings, and selected coverages. You may also incur additional fees for extra coverage or increased limits. A professional insurance agent can help you find the right coverages that fit your needs or determine if you can receive any policy discounts.

Coverage Provided by Homeowner’s Insurance

Homeowner’s insurance will usually cover things like your home, other structures on the property, your personal property, and liability for damage or injuries to someone else’s property. It may also be possible for you to purchase more coverage if needed for additional protection.

Regardless of if you need to purchase home insurance for the first time or replace your existing policy for your Tyler, TX home, EasTex Insurance professionals can help. We can help review your home’s specifics and what level and amount of home insurance you need. The professionals will also help compare policies to find the most value for the right price.

 

Keeping your home safe over the holidays

This the season to be jolly, but it is also a time when you need to keep your home safe. Safety comes in different forms, and many things can go wrong at this most wonderful time of the year. Your home insurance is your safety net, but hopefully, if you take some precautions, you can avoid having to file a claim. At EasTex Insurance in Tyler, TX, we have 40 years of experience providing you the customer service and insurance products you deserve.

Check the batteries

When everyone is spending more time indoors at this time of the year, it is important to make sure you replace the batteries in your smoke and carbon monoxide detectors. Carbon monoxide is an odorless and colorless gas that can kill. More than 400 people die every year from carbon monoxide poisoning, and over 2000 are hospitalized. 

Keep your Christmas tree hydrated.

Christmas tree fires cause millions of dollars of damage every year and are responsible for deaths as well. It was a tree that didn’t get enough water to keep it from drying out in many cases. Never put a candle or other heat source near your Christmas tree. If you have pets or small children, anchor your tree for additional safety. 

Don’t leave lights on

When you go to bed, turn off the holiday lights or have them on a timer. Check all the cords, whether on the lights or extension cords, to ensure they are in good repair. 

Don’t announce your travel plans on social media.

Keep a low profile on social media during the holidays. If you are away for the day or several days, don’t talk about it before you go. You can share when you return. Thieves are always looking for an easy score. 

Contact EasTex Insurance in Tyler, TX for all your home insurance needs.

Why a home inventory is a very good idea

Your home is your castle, and protecting your home and all the things that you own are important to you. Nobody likes to think about bad things happening, but unfortunately, they do. When they do, you need to file a claim, which is never fun. It can also be stressful, but there are some things you can do to make filing a claim less stressful, including having a home inventory. In the event of a catastrophe, you will find a home inventory is a very good idea. At EasTex Insurance of Tyler, TX, we have been in business since 1979 and love to share our many years of experience. 

When you file a claim for loss of personal possessions, your carrier is going to want to know exactly what was lost. Depending on how the structure of your home was involved with the loss, it may be difficult to prove exactly what you used to have. That is where your home inventory comes in. It is a careful room by room record of your possessions. You can create it the old fashioned way with a pen and pad, or you can use a video to record the content of your rooms. If you use a written record, the addition of photos can be very valuable. Attach any invoices or receipts you have. Include as much detail (brand, date purchased, model number) as possible. 

If you have valuable items, getting an appraisal will make collecting on your claim a lot easier. Once your inventory is complete, you should store it in an easily accessible place safe from anything which might destroy your home. The cloud is a safe option. 

A home inventory is an excellent idea if you ever file a claim. At EasTex Insurance of Tyler, TX, we will be happy to answer any questions about a home inventory or about any other insurance-related topic you have. Call our office to set up an appointment or to get a no-obligation quote.   

Does Home Insurance Cover All Potential Covered Losses If There Is A Claim?

If you are a homeowner, you probably already have home insurance coverage in place. Do you know what the terms and conditions are for your current policy, however? Most homeowners are confused about the limits of coverage their insurance allows and what items are covered if there is a claim.

Home Insurance Coverage

Getting the right amount of home insurance coverage is crucial for protecting your property and assets. In some instances, you may have the option to purchase not only the home insurance but contents coverage as well. This type of insurance protection provides coverage for high-value items and major appliances. Before selecting your coverage, consult with an insurance agent to find out if you need content coverage for your home.

Working With Skilled Agents

Getting help from skilled agents will help you be a more informed homeowner. You can then decide if you need additional coverage to provide complete protection from losses. Before selecting contents, it is important to know the value of the covered items and provide a list and any receipts so the agent can help come up with a suitable coverage plan. Together, a comprehensive plan can be created to offer protection year-round. If you live in or near the Tyler, TX area, you can count on EasTex Insurance to provide the support you need during the selection process. 

If you have questions about home insurance coverage, call or stop by EasTex Insurance, serving Tyler, TX, to get additional details and support. Call or stop by today to speak with an agent or to schedule an appointment. 

Home Insurance Protects More Than Your Home

While buying and moving into a new home is a big undertaking, have the right amount of home insurance in place can give you peace of mind.  While homeowners rely on home insurance policies to protect in the event of a fire or severe weather damage, the policy provides significantly more coverage than that.  When are looking for a policy, come into EasTex Insurance and talk with our agents.  They can help you with the policy that you need to financially protect your new home in the Tyler, TX area.

As you talk about your new policy, you’ll discover that it does cover damages from a fire or a storm but it goes beyond that.  The home insurance policy will protect of the personal items, including furniture that is in the home.  It also provides coverage for items that are harmed or even stolen when you are away from home.  For instance, if you or your child is studying at the local library and your laptop is stolen or damaged, the home insurance policy will provide funds to repair or replace it.  Policies also include liability protection that goes into effect if someone is injured on the property and claims that you were negligent. 

Home insurance protection also extends to any outbuildings or structures on the property.  This can include patios, gazebos and work sheds.  While home insurance policies provide a lot of financial protection for homeowners, they do not cover everything.  If the home is in a flood-prone area or the risk is even moderate, additional flood insurance will be needed.  Home insurance policies do not cover flood events.

At EasTex Insurance, we diligently work to ensure that our clients in the Tyler, TX area have the home insurance coverage they need.  Visit online then come into the offices to get the answers and the coverage you need.