Homeowners insurance

Living with Security: How a Homeowners Insurance Policy Can Provide Peace of Mind for Many Situations

Summer has come and it’s almost gone, but there are plenty of Texans still celebrating this much-loved season. Anything from pool parties to barbeques are common in the Lone Star State, and for that reason, for homeowners who’ve recently made their big purchase, one of the many things that should absolutely never be overlooked is insurance coverage. Anything from storm-related damage to injuries that occur on your property can be covered by an insurance policy. In this piece, we’ll be going over the basics of homeowners insurance and why you should never skip on finding one of these very important policies.

Although finding the right insurance policy for your home can be tough, with us helping you along the way, it won’t be! Contact our insurance agency in McAllen today!

The Basics

When settling on a homeowners insurance policy, it’s very important to find coverage that’s tailored to your budget and what you own. If you live in areas of Texas that are susceptible to heavy storms, then you’ll obviously want to find something that covers flooding or wind-related damages.

It’s also very smart to add liability to your policy. This is the portion of a policy that covers guests in your home and can protect you should an accident that results in injury occur. For example, if you’re hosting a pool party and one of your guests slips and falls, your liability clause will kick in and prevent you from having to pay for their medical bills, if any, yourself.

Also keep in mind that our team will be more than happy to go over your options with you when finding the right coverage.

Your Home’s Features

Many people may be unaware that with homeowners insurance, what you have on your property also plays into the type of policy you’ll get. In Texas, it isn’t uncommon for homeowners to own swimming pools. After all, with the weather native to our southern region, how could there not be? Pools can be worked into your policy along with other backyard features like trampolines and small playgrounds! However, keep in mind that in order to fully know how a policy will work for you, you’ll need to speak with our team first. Schedule a meeting today!

Insurance and Your Pets

Other factors and items relating to your home can determine whether an insurance provider will offer coverage. One of these, believe it or not, is a dog! Although it’s well-known that man’s best friend can provide many physical and mental health benefits, when it comes to an insurance policy, that can be a totally different story.

Certain breeds of canines can actually prevent an insurer from providing coverage for your home. The reason this is done is because an insurance company may see the pet as a liability. In other words, your dog might seem like a risk for destroying property or causing harm to guests. Get with us to learn more about this.

Find the Best Policy Today!

Homeowners insurance can be a tricky subject to tackle on your own. That’s why it’s important to consider the advice of a team with many years of experience to help you! Shepard Walton King knows how difficult securing insurance coverage can be, so come see us in McAllen today to learn what we can do to help you find the best policy!

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