Protection From Burglars: Does Your Home Insurance Help?

Robberies are a frightening situation that can put you on high alert and make it hard to adjust to everyday life. Thankfully, at Main Street Independent Insurance Agencies Inc., we can help Ft. Worth, TX, residents protect their homes from serious burglary risks and avoid long-term dangers.

Protection Your Policy Provides 

Most homeowner’s insurance policies should have coverage options that help to protect you from burglaries and much more. Understanding your options here is critical because they can vary based on your company and their needs. They typically include:

  • Dwelling Coverage – Did a burglar damage your home during a break-in, such as breaking a window or removing siding? Your dwelling coverage policy should help to pay for these repairs. 
  • Property Protection – If a burglar stole your items from your home, you could pay to get them replaced. You need to make sure that you have proof of ownership for these items in many cases.
  • Personal Injury – Were you hurt when a criminal broke into your property and attacked you during a robbery? Your homeowner’s insurance may pay for your medical treatment needs. 
  • Other Structures – Even if your robber didn’t break into your home but instead focused on your garage or storage shed, other structure policies will pay for necessary damage repairs. 

This type of protection is critical to work out with your agent before anything terrible happens. While most people never experience a break-in or robbery, you never know when it may happen to you.

Learn More About Your Coverage 

If you want to protect your home and your belongings from burglars, contact us at Main Street Independent Insurance Agencies Inc. to learn more about how we can help Ft. Worth, TX residents get the help they need. 

5 Home Insurance Mistakes to Avoid

Your Ft. Worth, TX home is a safe haven to you, your family, and your pets. However, if left unprotected, it can become vulnerable to risks like fire, theft, and natural disasters. Many people usually think that danger is always far until it strikes close to home. With this in mind, you better stay ahead of risks by investing in home insurance from Main Street Independent Insurance Agencies Inc. And when getting coverage from us, here are five blunders to avoid.

Buying inadequate coverage

Whether by mistake or design, buying insufficient home insurance coverage is a recipe for disaster. In case of a major event, you will receive less compensation for your damaged home. Not sure how much home insurance you need? Consult with your insurance agent.

Thinking home insurance covers everything

While your home insurance policy is pivotal in covering you against various risks, it has exceptions and exclusions. Typical home insurance doesn’t cover damage from floods, earthquakes, intentional damage, and nuclear war. That said, knowing what your home insurance covers is integral in purchasing “riders” to boost your policy.

Setting a too low deductible

If you set a deductible that is too low, you will pay higher premiums. While choosing a low deductible isn’t a bad thing, it just means high premiums that you could have difficulties keeping up with.

Failing to update your insurance policy

We usually recommend homeowners review their home insurance at least once every year. But sometimes, you don’t need to wait for a year to lapse to update your policy. If you incur significant renovations, introduce a dangerous pet, or start a home-based business, you should inform your insurer immediately.

Getting it wrong with an insurance agent

An insurance agent is a lifelong financial partner. In light of this, you should opt for a knowledgeable and trusted insurance agent that has your interests at heart.

Learn more about home insurance

Need to learn more about home insurance? Please get in touch with Main Street Independent Insurance Agencies Inc. You can also visit our offices in Ft. Worth, TX to chat with one of our agents in person.

What Are the Risks of Not Having Home Insurance?

There are a lot of expenses associated with owning a home besides your monthly mortgage payments. One of them is home insurance that covers costs of damage to homes and personal belongings of homeowners. If you are uncertain about getting home insurance and do not want to spend money on it, keep on reading to find out what are the risks of not carrying this type of insurance:

You Will Have Problems Selling Your Home

Most realtors will not accept a home without proper home insurance. And that is because if something happens to the property during the selling process, the home will not be sold and a creator will not get any commission. 

You May Not Be Able to Afford to Fix Your Home

If you do not have enough money in your bank account to cover the costs of your home and belongings, then having home insurance is extremely important to you. A standard home insurance policy pays for most repairs and rebuilding costs, as well as the costs of personal belongings. 

You May Get Sued

If your guest or visitor gets injured in your home, you will be liable for it. You will definitely regret not having home insurance because one of its purposes is to defend a homeowner in court against lawsuits and provides financial coverage if a homeowner is found responsible for someone’s injuries or property damage. 

Main Street Independent Insurance Agencies Inc. serving Ft. Worth, TX – Our Mission Is To Help You Find  Your Perfect Insurance

If you own a property in Ft. Worth, TX and you want to protect it with the help of home insurance, Main Street Independent Insurance Agencies Inc. is ready to help you. We have helped hundreds of clients to find their perfect insurance policies, and we are looking forward to helping you. If you have any questions, or you want to know more about the available policies, feel free to contact us. 

Benefits of Getting Home Insurance

Buying a home will no doubt be one of the huge investments you make, but like most people, home insurance will be the last thing on your mind. While getting coverage seems like an unnecessary cost for events that may not happen, it is still worth considering signing up for a policy. The benefits outweigh the cons of not having it, with Main Street Independent Insurance Agencies Inc. explaining the advantages of getting home insurance within Ft. Worth, TX.

It Provides Compensation for the Loss of Your Property

When disasters such as fire, theft, or vandalism occur, you are likely to pay for the replacement and rebuilding costs out of pocket. This means parting with a significant amount of your savings, costs that would have gone a long way to helping out with your family’s daily needs. Home insurance can protect you from this, as it provides compensation for the loss of your property and your personal belongings.

Protects You From Lawsuits

When your guests get injured or their property gets damaged and they sue you for harm caused, home insurance provides liability coverage to protect you from such incidences. It will help you pay your legal fees and damages awarded when you are found liable. This allows your guests to replace their property and pay for medical expenses as needed.

Offers Protection to Your Family

The policyholder is just one of the parties covered by home insurance, with this coverage also extending to family members. If, for instance, your spouse, children or parents cause accidental harm to your guests, home insurance protects them from lawsuits arising from such an event. In addition to this, treatment costs are paid for along with damage costs for any destruction caused.

If you are looking for home insurance tailored to the above benefits, call Main Street Independent Insurance Agencies Inc. today. Our Ft. Worth, TX agents will customize home insurance designed with your property’s needs in mind.

4 Main Areas Protected By Home Insurance

Your home is, without a doubt, one of your most valuable assets. You’ve probably spent many years saving for that dream home. With all the beautiful interior, comfort, and sweet memories in your home, the best you can do is fully securing it. How so? Home insurance.

Think of an unlikely situation that can occur to your home, like a theft or fire. How many more years would you save to build your dream home again? If your answer is many, then it’s time to think about home insurance. If you don’t know where to start, worry not. At Main Street Independent Insurance Agencies Inc. located in Ft. Worth, TX, we got you.

Four main areas protected by home insurance

Your home insurance generally protects your home and possessions from a variety of insured perils. Some areas include:

  • Personal belongings: The policy covers all your personal belongings that may be stolen, damaged by fire, or any other insured disaster. Personal stuff you can cover includes electronics, furniture, clothing, firearms, jewelry, and sporting equipment.
  • The home structure: Dealing with a total loss due to a hurricane or fire is unbearable. Dwelling coverage policy protects against physical damage in the main home and other structures attached to it. 
  • Liability coverage: liability coverage is another main reason why home insurance is crucial. It could cost you an arm and a leg if someone got injured in your home, such as a dog bite. Talk of medical bills and the legal fees that may await you, but with home insurance, you are safe.
  • Additional living expense: If your home gets damaged and becomes uninhabitable, home insurance will pay for your cost of staying elsewhere. Other expenses, like hotel meals and laundry, if you are staying in a hotel, are also covered. 

If you are a homeowner and haven’t thought much about home insurance, perhaps it’s time you did. If you consider all the benefits the policy comes with, you should get excited about it and call our offices for that policy. At Main Street Independent Insurance Agencies Inc. situated in Ft. Worth, TX, it’s our job to help you make that informed decision.

5 Tips for Prepping Your House For Winter

With winter fast approaching, now is the time to start preparing your house for the winter where the elements like snow, sleet, and wind can do major damage. Continue reading to learn how to prepare your house for the colder weather in next to no time.

1. Insulate, Insulate, Insulate!

Drafts emitting from windows can cause your energy bill to spike exponentially and leave you feeling far chillier than normal. Quickly and affordably fix the problem by applying v-seal weather stripping along the sides of the window that allow them to still open, but keeps the cold away.

2. Remove Tree Branches

Homes that have trees with limbs hanging near your home are more likely to suffer roof damage during a windstorm and may be susceptible to leaks from water cascading off low hanging branches. 

3. Clean the Gutters

Debris build up in your gutters can lead to costly ice dams that contribute to your home’s foundation is weakened. Once the fall leaves have fallen, either hire someone to do the job or use a ladder to remove leaves, twigs, and other debris that accumulates in the gutters.

4. Check the Roof

Winter is not the time to have a leaky roof and doing an inspection will help spot issues. Luckily for those that don’t like heights, you should be able to inspect your roof safely from the ground with binoculars. 

5. Fireplace Inspection

It is recommended that your fireplace be professionally inspected every year so be sure to call your favorite fireplace inspector early to avoid missing out on their services. 

When it comes to insuring your home, look no further than the friendly and professional team at Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX. Give us a call today to learn about our insurance products. 

When is home insurance needed in Fort Worth?

The Ft. Worth, TX area is a popular community for anyone to reside in. There are a lot of great places for you to visit when you are in the area and good professional opportunities. This can make Fort Worth a good place to own a home. If you are going to purchase real estate in this area of Texas, it is important that you get home insurance. There are several situations when this coverage is needed for you. 

When You Have a Loan

The majority of people that end up buying a home in the Fort Worth area will need to take out a mortgage. If you do take out a mortgage to finance your purchase, you need to make sure that you understand the insurance rules. Most of the time, you will need to have home insurance and even escrow your payments with the lender along with your monthly loan payment.

When You Live in an Association

There are many communities today that offer amenities to property owners. Along with these amenities, there are home associations set up to manage and run the community. These associations will almost always have a rule book that states that you will need to have home insurance at all times. This will help to protect you and others in the community.

There are a lot of situations when someone in the Ft. Worth, TX area will need to have home insurance. If you are going to get this insurance, you should call the team at Main Street Independent Insurance Agencies Inc. The team at Main Street Independent Insurance Agencies Inc. can help you understand all of your options. They will then help you to build a policy that offers protection and ensures your needs are met. 

Does Home Insurance Cover Storm Damages?

Having a home can be challenging, especially when it comes to protecting it from unforeseen dangers. Of course, there are many things a homeowner can do to minimize risks to the home, but ultimately dangers associated with many threats, such as the weather, make having adequate home insurance in place necessary to protect that investment.

Storm Damages

Most home insurance policies cover all types of storm damages including damage from debris and other potential side effects directly related to the storm. However, flood damage isn’t covered by home insurance and the homeowner will need to purchase a separate home insurance policy to have that protection in place. The best way to ensure the home is completely protected by home insurance is to work with an insurance agent. They can help educate the homeowner about what the policy covers and make any recommendations to help ensure the coverage fits the current needs.

Get Help Finding Home Insurance

Anyone in Ft. Worth, TX who is interested in purchasing home insurance they can rely on should consult with Main Street Independent Insurance Agencies Inc. to find out more about the different types of home insurance available in their area. The agents can work closely with potential clients to assess their needs and then offer common sense insurance products to give them the protection they need year-round. They can also help their clients submit documentation to insurance providers and assist with paperwork related to insurance claims.

Anyone in the Ft. Worth, TX area who is in the market for reliable home insurance should call or stop by Main Street Independent Insurance Agencies Inc. today to find out more or to schedule a consultation with an agent. 

Why Home Insurance Is A Wise Investment

At Main Street Independent Insurance Agencies Inc in Ft. Worth, TX, people still ask us whether home insurance is worth it. Are you one of those who think that home insurance is not necessary? While we can give you a direct answer, we will rather discuss some of the benefits of home insurance and allow you to decide whether it is a wise investment or not.

It is required for loans

A lot of banks and private money lenders now ask for proof of your home insurance. That means if you apply for a loan and decide to use your home as collateral, most lenders will request proof of home insurance. That’s one way of protecting their money.

Some home insurance coverage protects you against a lawsuit

If your guest slips and falls in your yard, you’ll be held liable. He could file a lawsuit against you. Your tenant could also sue you in the same situation. That means, if she falls in your house which she rented, she could also file a lawsuit against you for negligence.

Also, if the dog of your tenant bites someone, you may be held liable as well. You can imagine how much it will cost you to hire an attorney for legal defense. And if the plaintiff wins, you could see yourself paying several hundreds of thousands of dollars.

In fact, a couple of lawsuits could cost you more than your home. The good news is, your home insurance will take care of this if you are lucky enough to have insured your home.

Home insurance protects your home against natural disasters

Hurricanes, wildfires, and tornadoes have become a regular occurrence in the United States. So, it is a wise decision to protect your home against natural disasters. If your home gets damaged by a hurricane, there’s a home insurance coverage that will compensate you and also refund you for additional expense incurred if you have to live elsewhere until your apartment is fixed.

For other reasons why you should purchase home insurance, contact us at Main Street Independent Insurance Agencies Inc in Ft. Worth, TX. You may also visit our website to check out our home insurance products.

Recent Updates about Home Insurance in Ft. Worth, TX

Sometimes, there are important updates concerning home insurance that policyholders should know. If they don’t find out about these updates, they can end up going through detrimentally financial losses.

In fact, there are some recent insurance-related updates that are critical. One of these updates is how the price of the home is growing substantially in Ft. Worth, TX, and surrounding areas. The other one is the growing concern as severe damage has mounted from wind/weather-related incidents in Texas.

Fort Worth Leading the Pack in the Rising Homes’ Prices

The Dallas Morning News recently received and reported from CoreLogic that the prices for homes in FT. Worth, TX rose to 5.7% in February. However, home prices throughout the nation rose to 4%. CoreLogic also predicts that housing will continue to grow by 4.7% next year. And as a result, consumers who rent or buy have a significant strain, and homeowners must ensure that their homes are not underinsured. Some people have found out the hard way that their homes were underinsured and thus went through financial turmoil.

Growing Concern of Great Financial Losses Resulting from Weather-related Incidents 

There have been more reports lately about severely damaged, wind, and weather incidents, particularly in Texas. In fact, The National Centers for Environmental Information reported that eight of the previous 11 years has at least ten billion-dollars worth of weather disasters in the nation. Also, a representative of the Insurance Council of Texas stated that the Dallas-Fort Worth area has an estimated $2 billion in losses from a tornado outbreak for this past October. 

Due to these and other home insurance concerns, it is vital to get a top-notch agency that will take care of your home insurance needs. Main Street Independent Insurance is the way to go. Contact Main Street Independent Insurance today.