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Homeowners Insurance Information
Homeowners Insurance Options
Big Spring, TX | Lubbock, TX
Because everyone's needs are not the same, it is best to consult your insurance agent at Pirkle Weir Insurance Agency. Our team of insurance agents can help homeowners find the best possible coverage for their budget and their needs.
What is Home Insurance?
Home insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Home insurance is typically a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family (including pets) cause to other people.
Damage caused by most disasters is covered but there are exceptions depending on where you live and what is spelled out in your personalized policy. The most significant damage that homeowners see is caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage since there is a higher risk for these types of natural disasters throughout Texas. Maintenance-related problems are the homeowners' responsibility.
Why do I need home insurance?
Home insurance often varies by where you live, but the overall purpose of getting home insurance is to protect yourself and your family financially if something like a break-in or a natural disaster occurs unexpectedly. Home insurance allows you to be covered for damages. That's important because chances are your home is likely one of your largest and most significant investments.
- · If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
- · If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- · If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- · If you are still paying for your home, your lender will require insurance.
It is important to know that home insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent at Pirkle Weir Insurance Agency to talk about what is covered and be sure to read your policy carefully so you know exactly what's included and what is not.
Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.
- · How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
- · Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- · What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- · What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
If You’re About to Buy a House, Give Pirkle Weir Insurance Agency a Call to Discuss Home Insurance! We provide all of our insurance policies to Big Spring and Lubbock, TX.
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