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Homeowners Insurance Midlothian
Because everyone's needs are not the same, it is best to consult your Midlothian Home Insurance agent to help assess your needs and find the insurance policy that is right for you.  Especially in a city like Midlothian, TX where hail and tornado's are a great hazard, it is important to have a good Home Insurance Agent who knows the Midlothian and Central Texas Area to advice you.  

What is Homeowners Insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Home Insurance Coverage
There are many coverage options in a Texas Home Insurance Policy.  Be sure to request replacement cost on coverage A and C and a high limit in liability for coverage E, at least $300,000.

Example: Texas Standard Homeowners Policy
Coverage A - Dwelling : Note - We recommend replacement cost
Coverage B - Other Structures : 10% of coverage A 
Coverage C - Personal Property -  Cash, China, Silverware, Guns, Furs, and Computer must be listed separately
Coverage D - Loss of Use - Example: Pays for living expenses, meals, and other as a result of a loss.
Coverage E - Liability
Coverage F – Medical Payments – Note: Medical payments to others

Why Homeowners Insurance in Midlothian, TX is Needed
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your Midlothian Insurance Agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things To Consider and Questions To Ask Your Midlothian Home Insurance Agent
Here are few things to discuss with your home insurance agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available?
  • What's the process for filing and settling a claim?

How To Find Good Homeowners Insurance Midlothian, TX?
It is important you develop a trust relationship with your Home Insurance Midlothian, TX agent.

Disclosure

As an independent agency, Texas All 4 You Insurance Agency is bound by the laws governing insurance agents in Texas and the Code of Ethics of the professional association. This means that any insurance products we recommend will be the ones we deem to be best suited to meet your needs, without regard to the compensation practices of any one company.

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