Who's got you covered?
Have you asked yourself...
What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay some or all the repairs out of pocket?
These questions are crucial to address, because you can’t get insurance after a disaster strikes—and that can happen at anytime. More importantly, when you’re facing a crisis, you’ll feel less pressure knowing:
These questions are crucial to address, because you can’t get insurance after a disaster strikes—and that can happen at anytime. More importantly, when you’re facing a crisis, you’ll feel less pressure knowing:
- Your representative took the time to make sure you have the right protection.
- Your insurance carrier has your back.
Why do I need Home Insurance?
A homeowners insurance covers the hazards that most homeowners face—everything from fire to theft, a cracked foundation to accidents on your property. When a loss occurs, you will file a claim with your insurance carrier and you are paid for the expenses, minus any outstanding deductible amounts.
The homeowners insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.
For instance, if someone slips and falls in your home, or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.
You could also potentially need insurance to protect you from having to pay for:
The homeowners insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.
For instance, if someone slips and falls in your home, or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.
You could also potentially need insurance to protect you from having to pay for:
- Storm damage
- Fire
- Windstorm
- Lightning and hail
- Manufactured home coverage
- Trampoline or swimming pool liability insurance
- Flood damage
- Sewer, septic backups
- Replacement cost for personal property
Who needs to insure their homes?
- Frame houses
- CBS homes (Concrete Block Structure)
- Manufactured homes
- Mobile homes
- Condos
- Townhouses
- Secondary homes
- Homes you rent to others
- Seasonal residential homes
- El Paso residents that only rent should make sure they have the right kind of renters insurance
