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Brent Davis Insurance

1333 W McDermott Dr Suite 200
Allen, TX 75013

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Brent Davis Insurance Blog

Home Insurance FAQs

Wise insurance choices are one of the best ways to protect your investments. This includes the investment you have made into your home. At Brent Davis Insurance in Allen, TX, we are here to help you make those solid insurance choices.

Do I Need Home Insurance?

Your home is one of your most important investments. In order to properly protect it, you need a homeowner’s policy in place. If you are making payments on your home through a mortgage, you will likely be required by law to have insurance on your home. But, even if you do not have a mortgage in place, it is the best way to ensure that your home can be properly repaired or replaced should it be damaged or destroyed. 

What Does Home Insurance Cover?

Your home insurance policy will provide the following types of coverage:

Property damage– If the actual property is damaged or lost, the policy will pay for repairs or replacement. This is a crucial way you can provide stability for your family. If the home is damaged or lost and you can’t pay out of pocket for repairs or replacement, your family could be left without a place to live. 

Liability– You carry a huge responsibility as the owner of the home. If someone is injured in your home or on your property, you could be held liable for their injuries or any legal fees that might result. Liability coverage will protect you and pay for these types of expenses. 

Get Home Insurance Today

If you would like to learn more about home insurance, or any of our other insurance products, please get in touch with us at Brent Davis insurance in Allen, TX. We will be happy to help you. 

What Are The Different Types Of Home Insurance?

Residential and commercial are the two primary categories. Some people buy coverage to protect their homes in the case of a fire, while others buy it to protect themselves from uninsured motorist claims. 

Some purchase liability coverage, while others may want liability and property policies. For inquiries pertaining to your specific needs, reach out to Brent Davis Insurance in Allen, TX. 

Different Types Of Home Insurance

Residential home insurance covers the structure of your home, including the value of the property and any additions you have made. It also covers any possessions inside your home. 

Commercial home insurance covers the building itself, any equipment that is in the building, and any inventory in the building. Some of the most common types of home insurance include: 

  • Dwelling Insurance: This type of policy covers the structure and contents inside your house from fire, wind damage, and other perils.
  • Personal property insurance: This type of policy covers your personal possessions such as furniture, electronics, and clothing from fire, theft, or other perils.
  • Homeowners insurance: This covers your home, its contents, and the people who live inside. Most homeowner’s insurance policies will cover the damage or loss of your home if there is a covered peril such as a fire, lightning strike, or tornado. 
  • Liability coverage: This type of coverage protects you from lawsuits brought on by someone who has been injured on your property. For example, if someone slips on the ice in front of your house and is hurt because you did not shovel it off, they can sue you for compensation for their medical bills. 

Liability coverage also pays any damages awarded by a court if you lose a lawsuit brought against you. They might be injuries caused on your property or damage done to another person’s property through negligence while working on or around your home or car etc. 

Contact Us Today

The home insurance policy protects your home and other property against a wide range of disasters like fire, storm, theft, vandalism, and so on. A variety of home insurance plans are available in the market depending on the coverage you choose to have. For expert insurance advice in Allen, TX and surrounding cities, give us a call at Brent Davis Insurance.

Making sure your home is prepared for an emergency

Nobody likes to think about an emergency happening at their home, but being prepared makes it much easier to deal with. There isn’t any way to predict every possible emergency that could happen, but there are some major ones that you can be prepared for. At Brent Davis Insurance in Allen, TX we take the responsibility of making sure our customers have the perfect coverage seriously. We make sure we get to know you before making suggestions.

Lots of different sorts of emergencies can cause problems at your home. One of the most serious is fire. Making sure that you have working smoke detectors is vital. Batteries need to be changed every six months. If you have a fireplace, it should be cleaned every year to lessen the risk of fire in your home.

You should have a home inventory and it should be stored in a safe place that will allow it to survive an emergency. You need to have a fire-proof and water-proof storage container to hold all of your important papers and if you must evacuate your home, you can take it with you. Having the important papers in a safety deposit box is also not a bad idea with a copy in the cloud.

You need to have a plan for any emergency that could happen. Having an evacuation rehearsal is a good idea. Make sure every member of the family knows where you should gather in the event of an emergency. Have an evacuation route in case there is flooding or a tornado. Have a generator or backup power in the event you lose electricity. An emergency kit with batteries, water, and snacks is a good idea.

Contact Brent Davis Insurance in Allen, TX when you are ready to discuss your home insurance coverage.

When should you review your home insurance policy?

Home insurance is not a one-and-done kind of insurance. As you change and your lifestyle changes, your home insurance needs to grow and change with you. At Brent Davis Insurance in Allen, TX,  we make sure that we get to know our clients so that we can better access their insurance needs. No one wants to pay for insurance they don’t need or do not have the insurance they need.

When it is time for your policy renewal, your carrier will send you a new copy of your policy. Don’t just toss it in the garbage or into a drawer, You actually need to look at it. The front page is called the declaration page. This is a synopsis of your coverage. You can look at it rather quickly and see exactly how much you are paying and what you are paying for. Do you have enough property coverage? Is the content coverage the kind you want? Do you have any endorsement? What is your deductible? What credit are you getting?  Once you have looked these all over, you can talk to your insurance agent about anything that needs to be changed.

This is the obvious time to review your policy, but if you have made any major changes to your home, you need to make sure your insurance company knows and evaluates your house.  Have you added a dog, trampoline, or pool to your home? You may need more liability coverage. Have you replaced your roof? Added a home security system or wired smoke detectors? You may be eligible for a lower premium. It is up to you to let your insurance agent know when there are changes in your home and in your life.

Contact Brent Davis Insurance in Allen, TX to talk about how we can help you to make sure you have the right home coverage.

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