Does My Current Home Insurance Policy Provide Adequate Coverage?

Protecting your investment from liability claims, severe storms, and even theft is a top priority as a homeowner in Friendswood, TX. Even with a standard home insurance policy, it’s essential to review your coverage to avoid potential gaps in protection periodically. Knowing how to assess your home insurance policy effectively can help you find a solution that meets your needs. At Roberts Family Insurance, we’re here to help you maintain peace of mind with adequate, year-round home insurance that you can rely on.

Replacement Costs

Review the replacement cost coverage in your current homeowner’s insurance policy to assess its adequacy. Consider whether the home’s market value is covered or potential rebuilding costs are included in your policy. Keep in mind inflation and rising construction costs.

Personal Belongings Coverage

Many home insurance policies limit personal property coverage, especially for high-value items like antiques, art, and jewelry. If you require additional coverage for collectibles or high-value items in your home, be sure to address this.

Natural Disasters

Check if your homeowners’ insurance policy covers risks such as natural disasters, which are often unique to Friendswood and other regions throughout Texas. Determine if your policy protects against hail and windstorm damage and if you need a separate flood insurance policy for excessive water damage.

Assessing your current home insurance policy in Friendswood, TX, has numerous benefits as a homeowner. From adjusting your existing policy to adding more protection, a review can significantly protect your investment over time. To learn more about your current home insurance policy and to determine if it’s adequate for your household’s protection needs, contact Roberts Family Insurance for your consultation and quote today.

Does Your Auto Insurance Policy Cover A Rental Car?

There’s a good chance you’ll need a rental car for a vacation or other event. Car rental companies often offer insurance to cover damage while the vehicle is in your possession, which can significantly increase the rental cost. What you may not know is that your personal auto insurance policy might include rental car coverage as part of your regular premium. At Roberts Family Insurance in Friendswood, TX, we assist clients in finding the right auto insurance policy for their needs.

Standard Policy Coverage For Rental Cars

If your auto insurance policy provides "full coverage," meaning it covers collision and other standard hazards, your rental car will be covered for any typical damage that occurs. However, suppose you’ve chosen a policy with very low coverage limits or basic liability coverage. In that case, you might not be covered for damage and should consider taking the rental car company’s additional insurance.

When Your Rental Car Is Damaged

In some instances, you might not be aware of damage that occurs to a rental car while it’s in your possession. If you’re involved in an accident or discover damage to your vehicle, you should exchange insurance information and take pictures of the damage immediately. Then, contact your insurance company to inform them that a claim will be filed. Your insurance agent can assist you with the necessary protocols involved in a rental car damage claim.

Choose Roberts Family Insurance For Your Auto Insurance Coverage

Our agents can answer your questions about the specifics of rental car coverage in your policy. We offer a variety of policies for homes, RVs, motorcycles, condos, life, and businesses. Contact Roberts Family Insurance in Friendswood, TX, for a no-obligation quote on auto insurance that can help protect you if your rental car sustains damage.