Insurance is designed to fit your lifestyle. Or at least, it should be. As a homeowner and daily commuter, you’ve got a lot on your plate already. You need to be safe and secure. So do your family and belongings. That’s why we offer the most comprehensive method to find affordable insurance policies. With Mauceri Bynum Insurance, you’re covered!
Protect Your Investment with Homeowner’s Insurance
Your home is typically the most significant investment in your life – both in terms of time and money. Yet it is also the most vulnerable, subject to vandalism, liabilities, natural disasters, and burglary. Everything you’ve worked so hard to accomplish and acquire could be gone in a split second. It’s a devastating thought, to say the least. If you’re seeking peace of mind and proper coverage against such occurrences, you want homeowner’s insurance.
The right homeowner’s insurance policy offers numerous benefits, including minimum hazard insurance, liability insurance, personal property coverage, and cost-effective solutions. When it comes to savings, which every homeowner loves to hear about, you never want to drop a level of insurance. Instead, consider raising your deductible slightly. A raise from $500 to $1,000, for example, could save you 25% on your premiums. You’ll handle small to medium sized issues out of pocket, but larger, more expensive issues are covered under your insurance policy.
What Does Texas Homeowner’s Insurance Cover?
In some areas, banks and loan officers require homeowners to carry homeowner’s insurance. Many will not provide a loan or mortgage without insurance in place. Policies can vary, though, and you, as the homeowner, need proper coverage. A Texas homeowner’s insurance policy covers:
- Total/partial coverage for the building in case of damage or destruction via fire, explosions, lightning, hurricanes, hail, etc.
- Coverage for personal belongings – if anything is stolen, damaged, or destroyed, the policy covers the cost of the item.
- Liability – Pays court defense costs should you be legally responsible for someone’s injury or property damage on your property.
- Living expenses – Policies pay out if you are temporarily unable to live in your household due to an insured disaster, such as a hailstorm, flooding, or hurricane.
Understanding what is covered under your insurance policy is a sound piece of advice for any homeowner. You never want to be caught unaware during a particularly troublesome situation.
Save Even More with Texas Homeowner’s Insurance Discounts
We all love to save money – homeowners likely even more so than the average individual. Purchasing homeowner’s insurance sounds like one more monthly expense to pay, however, the benefits of a policy are straightforward. If you’re keen on saving money, consider these tips:
Smoke Alarms or Extinguishers – Installing smoke alarms in each room can save lives, but they can also save mone your new policy. The same goes for a fire extinguisher in the kitchen. Really, anything that reduces the risk of a fire can benefit you in multiple ways.
Security – A professionally-installed home security system, including working smoke detectors, burglar alarms, and fire alarms, could lead to a significant discount on your homeowner’s insurance policy.
Multi-Policy – If you can, try to bundle your car and homeowner’s insurance together. Bundled policies typically include savings.
Discounts – Whenever possible, ask about available discounts. Some policies provide a discount if you have not filed a claim with your previous insurance for five years or more.
Home Insurance in McKinney, TX
Your home is a crucial investment. You’ve put a lot of money into it, and you deserve to ensure it is safe and secure from all threats. Homeowner’s insurance in McKinney, TX will cover you in the event of any damage or theft. We’ll locate a policy that works best for your specific needs.