Home Insurance Add Ons To Consider

When you purchased your home, there was a home insurance policy packaged into it. In most cases, it is not possible to buy a home without home insurance. Of course, when buying a home, you have so many other things running through your head that you may not have much time to focus on the kind of home insurance you were selecting as you should have. Well, it’s never too late to begin looking at potential home insurance options and add ons for your current property. Now that you have been living in your home, you know the ins and outs a bit better, making it easier to fine-tune your insurance policy. When owning a home in Arlington, TX, the best way to go about doing this is with Rickey McGill Insurance Agency’s help.

Flood Insurance

This is extremely important because it covers not only flooding in the event of weather, but flooding in the event of a burst pipe, or if there is a fire and the fire department needs to put it out using a large amount of water. 

Window Insurance

Have kids that love to play ball in the backyard? Tired of constantly replacing windows? Well, you can avoid all of this by opting for additional window insurance coverage for your home. It may end up saving you considerably. 

Fine Tune Your Home Insurance Policy Today

There has never been a better time to fine-tune your homeowner’s insurance policy. Whether you are currently shopping for a new home or living in your current one for some time, you need a policy that’s designed for you. So, when you live in Arlington, TX, the staff here at Rickey McGill Insurance Agency is here to help. 

Does Home Insurance Cover Roof Damage?

Discovering that your roof has been damaged is never fun. You may notice water stains in the attic or see visual damage as you drive up to your house. Roof leaks and other perils are written into many homeowners policies. However, one of the things your insurance company looks at is what caused the damage at your Arlington, TX property. Rickey McGill Insurance Agency can help you explore what options to choose to protect your home and belongings, but here’s some basic information on homeowners insurance to get you started.

Events That May Be Covered

It’s important to understand what is and isn’t covered by the policy you’re considering. Ask your agent about each policy’s open peril list. This list contains the types of events the insurer pays for, which may include fire and smoke damage, volcanic eruption, lightning, explosions, riots, vandalism, snow and ice weight, theft, bursting pipes, and many other events.

Open perils typically include most sudden and accidental incidents, unless the cause is specifically excluded in your policy. It’s not a good idea to file claims related to normal wear and tear since that’s considered a maintenance issue and the owner’s responsibility. For example, your insurance might pay for damage caused by a storm that topples a tree onto your roof. However, If the shingles on your roof are worn and the roof starts to leak as a result, you may have to fix the damage out of your own budget. 

Some events, like floods, are specifically excluded and require separate policies. Other hazards may be subject to varying coverage due to the risks in your area. Your agent is the best resource for understanding your options for hazards typically excluded from regular homeowners insurance. These events include landslides, mudslides, and earthquakes, as well as flooding, animal infestation, mold and foundation settling, and damage. 

Contact Rickey McGill Insurance Agency today for more information on the types of coverage available for your Arlington, TX home. Feel free to set up an appointment for a quote on covering roof damage and other events.