Having the right type of homeowners’ insurance is the best way to protect your investment and your personal belongings. If you have a mortgage then the bank may require you to acquire insurance. You can depend on the West Texas Insurance Agencyin Amarillo, TX to provide the coverage you need with incredible customer service.
Homeowners’ Insurance Coverage
If you want to get the right protection for your home and its contents, you need to purchase the right amount of coverage for your needs. When factoring the amount of coverage that is necessary, you should figure in the replacement cost plus any personal belongings that you wish to cover unless you opt for actual cash value coverage. Actual cash value allows for the replacement cost minus depreciation. Replacement cost factors in the cost to replace the dwelling at current Texas market value. Consult with your insurance agent to determine which option is available and would work best for you.
You just bought your first home and are ready to get homeowner’s insurance. Where do you start? Home insurance is how you’ll protect your valuable investment for years to come. At West Texas Insurance Agency in Amarillo, TX, we can help you find the protection you’re looking for at a cost you can afford.
If you’re buying home insurance for the first time, here are some of your best coverage options:
Dwelling insurance protects your home’s structure along with any attached parts such as a sun porch, balcony or garage. If your structure were to suffer damage from a fire, storm or other covered peril, your insurer will pay for repair or replacement costs, up to the limits on your policy. As homes are expensive investments, your dwelling protection should cover the cost of rebuilding your home if it suffers a total loss.
Personal Property Coverage
This coverage protects your belongings to include furniture, appliances, electronics, digital devices, clothes, heirlooms, and other personal items. If you own expensive goods, you should consider replacement cost coverage as it covers the cost of replacing anything that’s stolen, irreparably damaged or lost.
This insurance pays for the medical expenses of visitors who are injured while on your property. If your friend falls down the stairs and breaks his leg, liability insurance will cover his medical costs. Liability coverage also covers legal fees if you’re sued for damages due to accidental injuries that occur on your property.
Each of these coverage options come with default limits which can be increased or decreased to suit your need. By customizing your coverage, you can get more protection from your home insurance policy.
To keep your premiums low without leaving yourself unprotected, you should create a complete summary of all your covered items and save any receipts for more expensive purchases. With the proper documentation and receipts, you can settle a claim quickly without additional holdups. We can provide homeowners’ insurance with premiums you can afford and options you want. West Texas Insurance Agency serves the Amarillo, TX area and looks forward to providing you with excellent insurance products that give you a peace of mind and the coverage you need.
When it comes to helping our customers get the insurance products they want, we go the extra mile and take providing excellent insurance products seriously. We work hard to ensure you can protect the things that matter most to you. Check out our online rating tool for quotes on home or auto insurance. You can also call or stop by to speak with a representative about your Texas homeowners’ insurance needs.
To learn more about home insurance coverage and costs, contact West Texas Insurance Agency in Amarillo, TX today.
Contact West Texas Insurance Agency
3702 Mockingbird Ln
Amarillo, TX 79109