If you’ve owned your home for many years in Houston, TX, then your home insurance can start to feel like it’s just something else to pay every month. You probably don’t even think about changing the terms, because you may assume that there’s really nothing to change. But there are a lot of homeowners out with who are underinsured — and they don’t even realize it. Memorial Insurance Agency wants you to have a few facts in mind that may just convince you to revise your policy.
Consider the Different Events
What happens if your home’s basement floods after a big storm? Who will you turn to if your mailman sues you if they trip over an old tree stump on the way to your mailbox? How much property will your home insurance cover if all your valuables are stolen by a thief while you’re on vacation? It’s impossible to consider every potential misfortune that can occur to your home (and really, why would you want to do that in the first place?), but asking a few questions can give you a better idea of what you need coverage for.
The Facts of Home Insurance
Home insurance policies don’t come with flooding protection in Houston, TX if there isn’t a special rider attached. Your liability limits on your policy may only stretch so far in the event of a lawsuit. Finally, some policies only cover the grounds and the structure of the property rather than your personal property.
If you have questions about how to build a better policy for yourself, Memorial Insurance Agency may be able to help. Give us a call so we can help you comb through your policy line by line before making a few recommendations.