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Homeowners Insurance Frisco TX: 5 Reasons To Review Your Policy

Date Added: March 01, 2016 06:50:38 AM
Author: Ellen M. Hahn
Category: Business & Economy
Spring is on the way, and that means it’s time to review your homeowners insurance Frisco TX. If reviewing an insurance policy doesn’t sound like the most exciting way to spend a day, consider that spring and summer activities mean you, your friends and family will be spending a lot more time outside of your house than inside, and the outside of your home may not be as adequately covered by insurance as it should be. Here are 5 reasons you should take a closer look at your homeowners insurance policy: 1 - Home Insurance Frisco TX: You’ve Made Improvements Since You Purchased Insurance If you’ve added any outdoor improvements for entertaining or storage, like a pool, hot tub, gazebo, outdoor kitchen or tool shed, make sure it’s covered by your homeowners insurance. If you’re not sure, ask your insurance agent. According to the Insurance Information Institute, structures on your property -- other than the main dwelling - -are typically covered by homeowners insurance, but for 10 percent of the amount of insurance on the main dwelling. 2 - Home Owners Insurance Frisco TX: The Outside Of Your Home Is In Disrepair If you’ve neglected to care for the outside of your home, you could be in financial trouble if someone gets hurt on your property. The first step you should take is to fix any problems you have that could put you at risk for an injury claim against your insurance. The second step is to check your policy to find out what is and what is not covered when it comes to a claim based on an injury that results from damage to or neglect of your home. Be aware that damage that could have been avoided with routine maintenance -- like termite damage, mold, rust or rot - -won’t be covered. 3 - Homeowners Insurance Frisco TX: You’re Unsure How Much Protection You Have If you don’t know how much protection you have if someone is injured on your property, find out. Standard coverage for this type of protection is usually from $100,000 to $300,000; but that may not be enough, especially if you have added a pool or hot tub to your property that could result in a severe injury or even death. 4 - Home Insurance Frisco TX: You’re Thinking About Adding Protection If you’re worried about the possibility of astronomical lawsuits, you may be thinking of adding more insurance to make sure you’re covered for every eventuality. Personal liability umbrella coverage is one way to supplement your current homeowners insurance to ensure that you won’t have to pay a lot of money out of pocket for an injury claim that your insurance doesn’t adequately cover. It can be purchased in increments of 1 million dollars to 5 million dollars. 5 - Home Owners Insurance Frisco TX: You’re Not Sure If You’re Paying Too Much Read your policy to find out what your deductibles are. Raising your deductibles can lower your monthly premiums. Also, ask your insurance agent about any available discounts that can lower your premiums as well, like discounts for purchasing different types of insurance products from the same company, discounts for retired people, discounts for professional associations and discounts for adding home security. Your insurance agent can help you get the best rate available with the coverage you need. No matter what your reasons are for wanting to review or update your homeowners insurance Frisco TX, you can get help from us at the Anthony Blackmon Agency by calling (469) 291-9006. We are the experts in homeowners insurance. Visit us online at to find out more.