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AlphaSure Affordable Insurance Svcs Blog

Home Insurance Stone Oak

Home Insurance Stone Oak

Shopping for a Good Home Insurance Stone Oak, San Antonio

It once was that insurance companies in Texas used a standard home insurance form. For example, if you were shopping for home insurance Stone Oak at that time the most common type of policy sold was a Homeowners Form B. Thus, when shopping for home insurance it was somewhat easier to compare among the competing insurance companies. However, that all changed on December 1, 2004, when Texas became a “file and use” state. (see https://www.tdi.texas.gov/rules/2004/1018-059.html#:~:text=Article%205.13%2D2%20%C2%A75A,and%20use%20rate%20filing%20system.) This is important because it now means that insurance companies can write their own insurance policy contracts, file for approval with the state, then sell their own policy.

Does This Change Benefit the Insurance Shopper?

I am on the fence on this one. In my opinion, the Homeowners Form B offers broader coverages for covered perils on the dwelling. Additionally, the standard unendorsed policy covers firearms up to policy limits. However, the unendorsed ISO form that is commonly used today covers firearms starting at $500! Thus, for reasons like this, it is important to shop for a policy that suits your needs. Indeed, it may be better for you to choose a homeowners insurance company that sells the HOB form. On the other hand, some insurance companies add benefits to their policies that will not be found on a HOB form. Thus, when shopping for home insurance Stone Oak, it is a good idea to talk to independent insurance agent.

Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

Laredo, TX Commercial Insurance Agents | AlphaSure Affordable Insurance Svcs (alpha-insure.com)

AlphaSure Affordable Insurance Services is licensed in the State of Texas.

Common Risks Homeowners Face

Owning your own home has long been a foundational part of the American dream. Homeownership comes with a distinct sense of pride and accomplishment. However, there are also certain risks as well. At AlphaSure Affordable Insurance Services, serving San Antonio, TX, we make it our business to provide clients with reliable insurance information. Keep reading to learn about common risks homeowners face. 

Property Damage

The most common risk you will face as a homeowner is the risk of damage to your property. Your home or property can be damaged through fire, natural disasters, or even through burglary. If this happens, any repairs will come out of your pocket if you are not properly insured. If your home is lost through property damage, you and your family will be put in a very vulnerable position. Homeowners’ insurance policies are designed to protect you from these types of risks. 

Liability 

Many homeowners don’t think of a liability as a risk of homeownership, but it is definitely something you want to consider. When you own a home, you are solely responsible for anything that happens on that property. If someone is injured at your home or on your property, you could be held liable for their medical expenses. You could even be held liable for legal expenses if someone chose to take legal action against you because of their injuries. 

The risk of liability is increased if you have people to your home on a regular basis, have a swimming pool, or participate in recreational activities that could be hazardous. Most homeowners’ policies will cover liability expenses if someone is injured at your home or on your property.

If you would like to learn more about our services, please contact us at AlphaSure Affordable Insurance Services, serving San Antonio, TX. 

Home Insurance San Antonio

Home Insurance San Antonio

Home Insurance San Antonio Can Protect Your Biggest Asset

For the average American, their home is the most valued asset. Indeed, home insurance San Antonio is important to protect your home from certain perils. For example, the most commonly insured peril in a home insurance policy is fire. Although it is not the most frequent cause of home insurance claims, fire does tend to be the costliest one. Imagine forgetting to turn off the stove and a frying pan catches fire. A good home insurance policy should cover the losses.

Wind and Hail Coverage

Home insurance policies will typically divide the deductibles into two sections. The first deductible will be a deductible for other perils. The second deductible will be for wind and hail. Moreover, it is important to know that the deductible will equal a percentage of the dwelling coverage. For example, assume that you have a 1% wind and hail deductible. If a windstorm damages your house, the deductible will need to be paid first before the policy will cover any loss. Additionally, it is important to ask your agent if wind and hail coverage is included in the policy. Moreover, it is equally important to ask your agent what the deductible limits are.

Mortgage Companies Require Home Insurance

When a house is mortgaged, the mortgage company will require hazard insurance. Hazard insurance is also called home insurance or homeowner’s insurance. Indeed, when an insurance policy is cancelled by an insurance company, the mortgage company will force place a coverage for the dwelling. Moreover, forced-place coverage tends to be very expensive. Not only is it very expensive, but it typically will only cover the dwelling and not the contents. This is one reason why it is important not to let your home insurance cancel.

Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

AlphaSure Affordable Insurance Services is licensed in the State of Texas.

Laredo, TX Home Insurance Agency | AlphaSure Affordable Insurance Svcs (alpha-insure.com)

Home insurance (texas.gov)

Mortgage Payment & Home Insurance Laredo TX

Home Insurance Laredo TX
Home insurance Laredo TX

Have you noticed your mortgage payment go up? Most mortgages are escrowed. Moreover, if the mortgage is a fixed rate interest with no balloon option, then it could be that it is probably due to an increase in your escrows. Additionally, if property taxes didn’t change from one year to another, then it is possible that the increase is due to the cost of home insurance Laredo TX.

Escrows include home insurance Laredo TX

Escrows are part of the mortgage payment. In addition to taxes, hazard insurance is also part of the escrows. Hazard insurance is also called home insurance Laredo TX. If your mortgage payment went up and you have a fixed rate mortgage it could be that your property taxes or home insurance Laredo TX went up. There are few things that you can do to help bring down the cost of home insurance. Yet the most important thing you can do is get insurance quotes from an independent insurance agent.

What are some things covered by home insurance?

Hazard insurance is otherwise known as home insurance. Home insurance covers losses due to certain perils. For example, fire and lightening are covered by home insurance. For example, if you leave the stove on and causes a fire in the kitchen, home insurance will cover the losses. Additionally, most but not all policies will cover damages caused by wind or hail. Moreover, most home insurance policies include personal liability coverage. This coverage is there in case you are found negligent to causing someone’s bodily injury or property damage.

Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

Laredo, TX Home Insurance Agency | AlphaSure Affordable Insurance Svcs (alpha-insure.com)

For more information check out this information from the Travelers Insurance company.

What Does Homeowners Insurance Cover? | Travelers Insurance