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.   

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. 

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.