Key Facts Regarding Home Insurance Policies

Slaughter Insurance Agency serves the Quinlan, TX community. We work with multiple carriers throughout the state. This allows us to offer our clients unique policies that align with their vision. We provide an assortment of coverage options so that we can help our clients protect their assets.

Key Facts Regarding Home Insurance Policies

Your Quinlan, TX property is one of your most prized possessions. You’ve likely invested a lot of time and energy into becoming a homeowner. Home insurance will help you protect your asset. The policy covers any damages to the inner and outer layers of your home. You are also covered if any personal items in your home are stolen or damaged. Liability coverage protects you if you accidentally cause damage to someone else’s property. You are also covered if someone gets injured while visiting your home. While looking over your home insurance policy, be aware of these key facts.

Natural Disasters Are Generally Covered

As a Texas resident, you are aware that severe weather is a common occurrence. Hurricanes and tornados have the ability to cause major damage as they move the region. Home insurance covers any damage to your home caused by these types of natural disasters. You can add temporary living coverage to protect you during emergencies. This gives you a safety net if you have to stay somewhere else while your home is being repaired. Also, be aware that natural disasters often cause flood damage. If your home is damaged due to a flood, you are not protected unless you amend your policy.

High-Risk Accessories

If you have high-risk accessories installed at your home such as a trampoline, you are potentially exposing yourself to a serious liability risk if a guest gets hurt. Consider adding extra liability coverage.  

Slaughter Insurance Agency Will Help You Protect Your Assets

Contact us today to learn more information about home insurance.

Tips for keeping your home safe

Keeping your home safe is something that everyone wants to do. Risks are everywhere both inside and outside the house. Some risks are things you can’t control, but for others, you can make sure that your home is prepared. At Slaughter Insurance Agency in Quinlan, TX we have a team of experienced agents who are here to help make sure you get the right insurance at an affordable price. As independent agents, we can offer more choices and work for our customers, not one carrier. 

Check your batteries

Make sure the batteries in your smoke detectors and carbon monoxide detectors are changed at least twice a year for maximum safety. 

Use your locks

Make sure you not only have locks on your windows and doors but that you use them religiously. They can’t keep you safe if you don’t use them. Window locks especially can be overlooked. 

Get your furnace and chimney cleaned yearly

Fire is one of the biggest safety threats to your home. Making sure your furnace and chimney aren’t fire hazards gives you peace of mind and in the case of your furnace, can save you money since your unit will run more efficiently if it is clean. 

Install a home security system

These days it is inexpensive to have the security you need in your home. Some systems are DIY and unless you opt for a monitored system there is no expense other than buying the alarms and cameras. 

Store poison in a safe place

Poison should always be stored where it can’t be reached by children or pets. Outside the home is best. 

Making your home safer only takes a few key steps.  When you are ready to discuss your home insurance or would like us to review it, at Slaughter Insurance Agency in Quinlan, TX we are ready to help.

4 Things Covered By Home Insurance

When you own a home in Quinlan, TX, you can’t afford to go without home insurance. Because a home is worth so much, you can’t roll the dice and hope nothing terrible happens to your home. Theft, vandalism, fire, hail, and other perils can damage your home; turning your dream home into a nightmare.

The good news is that you can purchase home insurance from Slaughter Insurance Agency to get coverage in the following areas.

Liability protection

The liability coverage in your home insurance covers you against bodily injury and property damage caused to third parties. For instance, if your dog bites a neighbor or you reverse your car into your neighbor’s wall, home insurance should pay for the arising liability claims up to the policy limit.

Structure protection

If your home and the structures within it are destroyed by fire, storms, or any other peril, your home insurance’s dwelling coverage reimburses the repairs or rebuilding costs of your home. 

Contents coverage

List down your assets — clothing, furniture, electronics, and other personal effects. You will be surprised that your belongings are pretty valuable. With this in mind, you need to protect your assets against theft, vandalism, and other risks that may cause damage or loss to your assets.

Remember, for high-value items like jewelry and cash, home insurance provides limited coverage. As such, talk to your agent for a separate policy.

Additional living expenses (ALE)

Is your home damaged by a storm or fire? Worry not. When you seek temporal shelter from a hotel, the ALE add-on covers meals, accommodation, and other expenses incurred beyond your average spending.

Do you need home insurance for your Quinlan, TX home? You are on the right track. Contact Slaughter Insurance Agency, and our team will help you purchase home insurance that gives you maximum protection.