Many people believe that since they pay a substantial amount for homeowners insurance in Texas, they should make claims for the tiniest little things that go wrong. However, in reality that is not really what insurance is all about. You need to understand that homeowners insurance is designed primarily to cover large risks like fires rather than small claims like broken windows.
Fortunately, for Texans, you are allowed one claim on your homeowners insurance policy without increasing your premium. This claim is basically forgiven. However, after you have filed your first claim, each additional claim will be reviewed and examined carefully.
Filing an insurance claim can be very costly to the homeowner who may see an increase in their premium from as little as nine percent to possibly 50 percent. Now, let’s take a look at ways that you may take preventative measures to avoid filing insurance claims on your homeowners insurance in Texas.
Taking steps to prevent a burglary not only helps to protect your personal items and valuables, but it also helps out insurance companies because you’ll be making less claims. Burglars are always on the lookout for the easiest home in the neighborhood to rip off.
• You should have deadbolts installed on all exterior doors and locking windows.
• Keep shrubbery and landscaping trimmed back from exterior doors and walls of your home so burglars don’t have convenient areas to hide in or watch your habits.
• Install outdoor lights with a timer on exterior doors to give the appearance that someone is home.
• If you have many personal items that are irreplaceable and other valuables, it may be worth installing a security system.
Preparing for Hurricanes
Texas is a lovely state to live in; however, if you are living on the coast, you can expect hurricanes at one time or another. Unfortunately, tropical storms, high winds, flooding and hurricanes are part of coastal living and something to be taken seriously when choosing homeowners insurance coverage in Texas.
If you’re new to coastal living and want to take additional steps to protect your home, it’s a good idea to contact your insurance agent about your homeowners insurance to discuss additional measures for protecting your home.
It’s often recommended to install storm shutters to protect your windows. You might talk to your agent about adding hurricane straps on your roof. Trimming tree branches and removing dead trees helps to prevent damage to your home and surrounding homes as well.
Although, most Texas homeowners have homeowners insurance for medical coverage just in case someone is injured while visiting the property, they may not give much thought to dog bites.
However, dog bites are a huge liability issue that insurance companies are very concerned with. In some cases, certain dog breeds are not covered by homeowners insurance with some carriers because the number of dog bites each year are so high.
• Assuming you’re a responsible person, you should take pro-active steps to reduce the chances of someone being bitten by your dog.
• Always walk your dog on a leash, and it’s a good idea to keep him on a leash whenever he is in your front yard.
• Make sure your dogs are up-to-date on their vaccinations at all times just in case someone is bitten.
• See that your dogs have a fenced in enclosure where they can romp freely without access to visitors or neighbors.
Use your homeowners insurance to cover expensive damages, and cover the costs of minor repairs yourself. You’ll save a lot of money overall, and you won’t have to watch your homeowners insurance premium skyrocket.