Protecting All of Texas
When your home is damaged, destroyed or a lawsuit happens on your property, getting the claim settled smoothly and fairly is the highest priority. Hettler Insurance Agency has served homeowners in Lubbock since 1992. Our family of independent agents provide a valuable combination of tailored coverage, quality service, and fair pricing.
We Insure All Kinds of Homes
HIA currently works with 7 carriers including: Progressive, Safeco, Travelers, Hartford, Metlife, Republic Group and LLoyds. Whether you live in city limits or on a ranch in the country, only HIA is able to deliver a customized policy fit to your needs. A rented apartment, condominium, mobile home or tiny house, typically require different policies, but can still be covered by our team and insurance partners.
What You Need to Know About Homeowners Insurance in Texas
Insuring the place you call home, protects your financial future, following a loss due to fire, theft, hail, vandalism, or other covered events. It will also provide coverage in the event someone is injured on your property and wins a legal judgment.
Homeowners policies differ by which losses are covered, all depending on the coverage selected. HIA will work with you to decide on a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or a policy that covers only specified losses. Special types of claims such as floods, earthquakes and wind damage from hurricanes require additional property insurance.
Finding the Right Homeowners Insurance
Your home insurance policy is most often made up of the specific options, the cost of a premium depends on:
- What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverage is purchased. Texas weather is unpredictable, but most homeowners need coverage for fire, wind and hail damage.
- How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. The standard deductible for a home insurance policy is 1% of the insurance value on the home. If your home was insured for $150,000, you would be responsible for the first $1,500 (1%) of damage.
- Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Worried about a big liability suit and want to have better coverage? Consider an umbrella insurance policy that extends you home liability in increments of $1,000,000 in coverage.
The Right Coverage. The Right Price. The Right Value.
The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect. HIA can reveal how likely an event could affect your home.
Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses-commonly for up to 24 months-while damage is assessed and your home is repaired or rebuilt.
Protection for Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage
Many items have limited coverage. Read our blog for information on covering jewelry, guns and other valuable personal property. Talk to your agent about this additional coverage. It provides broader coverage for specific items.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.
Lubbock – Protect the Things that Matter to You
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. (I know that sounds obvious.) Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.