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.
