For most Texas and Colorado property homeowners, property losses are frequently unpredictable events. As such, there are many coverage options for insurance needs of Texas and Colorado property owners. Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX and Denver, CO offers home insurance policies that provide:
- Personal property and possessions replacement in your home including furniture, clothing and appliances, etc.
- The cost to repair or rebuild your home. When calculating this cost, do not include the value of the land – as land cannot 'technically' be destroyed by fire, windstorm, or hail. Therefore, there is no need to insure the lot's value. It is also unwise to estimate a property's rebuilding costs based on a price paid for the home; prices change over time. If the limit of an insurance policy is based on your mortgage balance, make sure the coverage amount is sufficient enough to cover the cost of rebuilding.
- Additional Living Expenses for homeowner should they be required to leave their home during the time it takes for completion or repair.
- The defense against potential liability claims to other individuals suffering losses on the insured Texas property or by the homeowner's actions.
Main Street Independent Insurance Agencies Inc. offers additional coverage options for Texas and Colorado homeowners. Examples of of these additional optional coverage include, but are not limited to:
- Coverage for Valuables: High-ticket items, such as jewelry, art, or camera equipment should be covered by a home insurance optional coverage/rider.
- Inflation Protection: Coverage limits at each policy renewal is designed to mirror current inflationary pressures automatically. Often this optional provision also includes a policy premium discount.
Homeowners researching coverage to meet their specific requirements, or in need of an expeditious quote from Main Street Independent Insurance Agencies Inc., can find prudent advice and detailed information by following this link.
Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX provides reliable home insurance that covers your largest investments. Talk with our agents to learn more about home insurance and try our online rating tool for quotes on home and auto insurance.