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Featured Insurance Blog

Is Work From Home Covered by Home Insurance?

In recent years, there has been an increase in Texas employees working from home. Whether an employer allows remote work or you are operating your own business from home, it’s essential to know if work from home is covered by home insurance. For individual circumstances, it’s best to contact your agent at AAIGOT Insurance Agency Inc. serving Houston, TX. But in general, here is what you need to know.

Work From Home is Different Than a Home Business

There’s an important distinction between working from home and a home business. Work from home implies you’re employed by an outside company, while a home business implies you’re working for yourself. In a work-from-home situation, your work devices, such as laptops, printers, phones, etc., may be owned by the company and covered by the company’s insurance. With a home business, your work devices and equipment would be owned by you, and you would be responsible for coverage.

Home Insurance May Not Cover Business Equipment

Each case is different, but in general, business equipment and electronic devices would be best covered by separate business insurance. This would help to ensure that purely business-related losses, such as data loss may be covered by your insurance. Otherwise, there’s a chance that you could face an unrecoverable loss.

Consult With Your Insurance Representative at AAIGOT Insurance Agency Inc

If you’re in a work-from-home situation, you should definitely consult with your insurance representative to confirm what work-related items are covered and what isn’t. You should also confer with your employer to see if they offer coverage for company devices you use at home.

For all your home insurance needs, contact AAIGOT Insurance Agency Inc., serving the needs of residents of Houston, TX, and surrounding areas.

Why Is It Important to Replace Your Roof?

Your home’s roof plays a vital and essential role in protecting what is likely among the largest of your investments, your belongings, and your family. Our insurance professionals at AAIGOT Insurance Agency Inc. in Houston, TX offer this essential guidance regarding your home’s roof.

Why is it Important to Replace your Roof?

Choosing to replace the roof of your home proactively offers protection in maintaining your home’s value and extending the lifespan of your family’s home. And regular roof inspections are the key to saving money in the future.  

Prevent Water Damage

A roof that has deteriorated and remains neglected will likely develop compounding problems over time. Small issues can become expensive repairs if left unattended.

Ensure Safety

An old roof may create risk as loose shingles may fall and injure someone.  

Improve Energy Efficiency

An old roof will likely have substandard insulation, which can be replaced with energy-efficient, modern insulating materials. This will reduce air leaks and help reduce the cost of cooling or heating one’s home.  

Enhance Curb Appeal

A new roof can also enhance your home’s curb appeal. This added aesthetic is a noticeable property upgrade and may positively impact the home’s salability and value.  

Remain Compliant with Newer Building Codes

Over time, building codes change to meet evolving societal and environmental needs. Replacing your roof will help to ensure that your home’s roof is compliant with current codes – which may become a key issue when selling the property.

Contact Us Today

Knowing that your home has a well-maintained and durable roof can provide peace of mind. For more information about ways to protect your home and investment,  contact us at AAIGOT Insurance Agency Inc. serving the Houston, TX metroplex today!

Do I Need Home Insurance in Houston?

Home insurance is another added cost to living in the Houston, TX metroplex, but it is a requirement in most situations. Most people cannot afford to buy a home with cash in hand, so they have to go to finance companies and banks to take out a mortgage on their home. As soon as this becomes a reality, the lenders demand homeowners insurance to protect the home and property as collateral. 

Those who paid out their mortgages, or were fortunate enough to buy a home outright, have the option to purchase homeowner’s insurance without being forced into it.  

Homeowner’s Insurance is the Ultimate Protection

The damage that can occur to a home and property is endless. Geographically speaking, Houston, TX is prone to take a beating from hurricanes that rage from the Gulf of Mexico. Tornados and other violent storms can pop up at any moment and cause massive damage to the property’s roofs, structures, and loose items. 

There is a deductible that the homeowner must pay out of pocket, but the insurance company covers the significant cost. Homeowner’s insurance protects the investment made by the lender and helps keep a safe haven for a homeowner and their family. 

But Is it Necessary? 

Yes, it is necessary. The cost of damage can go into the tens of thousands of dollars, if not more, in severe disasters. Not many people have the cash on hand to cover such damage. Finding the insurance company that suits your needs in coverage, premiums, and affordable deductibles is the wisest decision.  

Let AAIGOT Insurance Agency Inc. Help You

At AAIGOT Insurance Agency Inc., we can tend to your homeowner’s insurance needs and answer all your questions. We are happy to assist and ask that you contact us today for more information. 

What Are the Four Major Categories of Coverage in Homeowners Insurance?

Are you looking for comprehensive coverage for your home? The right home insurance can cover your home, belongings, and other structures. It also covers liability for injuries and property damage to visitors for covered events and accidents in your house. To learn more about homeowners insurance, keep reading and make an appointment with the helpful agents at AAIGOT Insurance Agency Inc in Houston, TX.

Home Insurance: 4 Major Categories 

1. Dwelling Protection

Dwelling protection covers the structure of your house, including the walls, roof, and foundation. This includes the deck, garage, and other structures attached to the home. 

2. Other Structures Protection

This insurance covers damages to your shed, fence, detached garage, and other structures not attached to the main property. It’s typically capped at a percentage of your total insurance, as determined in your policy.

3. Personal Property Protection

Someone breaks into your house and steals your computers and TV. A fireplace fire damages your new living room set. What can you do? With personal property protection, you simply call your insurance company to file a claim. Find out how to determine how much personal property protection you need when you meet with your insurance agent. Some items, such as jewelry, may exceed the value of your regular coverage, so discuss additional protection with your representative.

4. Liability Protection

When you have guests over, you aren’t thinking about accidents that result in liability. Fortunately, with personal property protection, you don’t have to. If someone trips over a crack in the driveway or falls due to a broken porch step, you could end up footing the bill. Bodily injury coverage may pay for legal expenses and medical bills if the courts find you’re at fault. Typically, it also covers property damage for guests and visitors for covered events. However, it’s important to thoroughly understand what your policy pays for. 

Reach Out To Us

Contact AAIGOT Insurance Agency Inc to learn more about the homeowners’ policies available in Houston, TX.

Home Insurance And Medical Liability

Homeowner’s insurance coverage is a lifeline for anyone who owns a home. When you have homeowner’s insurance, you’re protected against your belongings and your house costing you everything in a fire or a burglary. When you think of homeowner’s insurance, you think of that.

But homeowner’s insurance also protects you from liability. If a guest in your home gets injured, you could be facing a lawsuit and significant settlements or judgments against you, especially if lost wages come into the picture. At the same time, there are certain waivers of responsibility that are important to know. AAIGOT Insurance Agency Inc serving Houston, TX can help you with questions about your home insurance.

What Does Home Insurance Cover

Medically speaking, home insurance covers liability for accidents on and around your property. If you have a guest in your home who chokes and needs medical attention, if they decide to sue you after they recover, you may be able to use your liability coverage to ensure that your responsibility is covered, avoiding damage to your finances.

Limitations

There are certain situations that homeowner’s insurance won’t cover in medical liability. First, homeowner’s insurance only covers liability. It’s not a substitute for health insurance – so make sure you have that covered as well. It also doesn’t cover injuries or damage resulting from drug use, another good reason to ensure that you and all your guests are drug-free. With this handful of rules and limitations, you should be covered in most cases.

Next Steps With Us

Take your next steps by protecting your home and all the people in it, whether they’re family members or guests. Call, click, or stop by AAIGOT Insurance Agency Inc serving Houston, TX for a free, no-obligation quote on a new homeowner’s insurance policy today.

Is Home Insurance Mandatory in Texas?

Becoming a house owner brings satisfaction and comfort to anyone’s life. However, this precious asset is susceptible to risks which could strike anytime. Therefore, it’s prudent to search for a formidable tool that will guarantee protection to your home and the contents stored in it. Perils like hail or fire may relegate your family to homelessness and force you to seek accommodation elsewhere.

You can take steps to mitigate such risks. Consult with our agents at AAIGOT Insurance Agency Inc in Houston, TX and get peace of mind daily by allowing you to enjoy living in your house without any stress.

Is home insurance mandatory in Texas?

Home insurance is not mandatory in Texas, but if you finance your house through a mortgage, the lender might require you to have it until you clear the outstanding loan. Irrespective of home insurance not being mandatory in the state, it’s prudent as a homeowner to explore other home insurance coverage to ensure protection for both your home and personal property stored in them.

They include:

Additional living expenses: If your lovely home is ravaged by the stated peril in your policy document and becomes uninhabitable, this policy kicks in and caters to accrued expenses when your dwelling is being repaired or rebuilt.

Dwelling coverage: It’s a shield designed to guard your home, comprising the walls, floors, and built-in appliances, as well as detached structures like a gazebo after an impending calamity strikes.

Contents coverage: Getting your policy from AAIGOT Insurance Agency Inc safeguards your possessions such as clothing, electronic gadgets, and furniture after they get robbed or damaged by prevailing disasters.

Get Home Insurance Today

Have you constructed or bought your home recently in Houston, TX? Don’t hesitate to call or visit us at AAIGOT Insurance Agency Inc. in Houston, TX and get more information about home insurance.

How to create a home inventory

Creating a home inventory will make your life easier in the event something happens to your home and you need to file an insurance claim. The inventory is a comprehensive list of what items you have in your home. This helps you know what was there and helps us at AAIGOT Insurance Agency Inc in Houston, TX better help you in the event your items become damaged or stolen. 

Steps for creating a home inventory 

To create your inventory, first, determine how you want to organize the information. Consider using an app that can help you create an inventory for your home in Houston, TX. Check out the one offered by the National Association of Insurance Commissioners (NAIC). It’s free and will help simplify the process of creating your inventory. If you don’t want to use an app, you can make a spreadsheet or document. 

Next, go through your home room by room and make note of what you own, big and small. Don’t forget to look inside drawers and closets. 

It’s also helpful to take pictures of each item. If you know how much each item cost, when you bought it, and where you bought it, that information can be helpful as well. The more information you can add to your inventory, the more likely you will be compensated the right amount for your items. Having a detailed home inventory can also help you get paid faster if you need to make a claim. 

Contact Us Today

As you buy items and add them to your home, remember to add them to your home inventory. If you need help creating an inventory or have questions about home insurance, contact AAIGOT Insurance Agency Inc Houston, TX. We’re happy to help you insure your home and belongings.

How to create a home inventory

Creating a home inventory will make your life easier in the event something happens to your home and you need to file an insurance claim. The inventory is a comprehensive list of what items you have in your home. This helps you know what was there and helps us at AAIGOT Insurance Agency Inc in Houston, TX better help you in the event your items become damaged or stolen. 

Steps for creating a home inventory 

To create your inventory, first, determine how you want to organize the information. Consider using an app that can help you create an inventory for your home in Houston, TX. Check out the one offered by the National Association of Insurance Commissioners (NAIC). It’s free and will help simplify the process of creating your inventory. If you don’t want to use an app, you can make a spreadsheet or document. 

Next, go through your home room by room and make note of what you own, big and small. Don’t forget to look inside drawers and closets. 

It’s also helpful to take pictures of each item. If you know how much each item cost, when you bought it, and where you bought it, that information can be helpful as well. The more information you can add to your inventory, the more likely you will be compensated the right amount for your items. Having a detailed home inventory can also help you get paid faster if you need to make a claim. 

Contact Us Today

As you buy items and add them to your home, remember to add them to your home inventory. If you need help creating an inventory or have questions about home insurance, contact AAIGOT Insurance Agency Inc Houston, TX. We’re happy to help you insure your home and belongings.

How To Choose the Right Home Insurance

Most people don’t know where to start when it comes to home insurance. There are so many different types of policies and coverage options available that it can be overwhelming trying to figure out which one is right for you. But don’t worry, AAIGOT Insurance Agency Inc in Houston, TX is here to help. In this post, we’ll give you some tips on choosing the right home insurance policy for your needs. 

How To Choose the Right Home Insurance

One of the first things you need to do is figure out what type of coverage you need. Home insurance policies can cover things like damage to your home, personal belongings, and liability. You’ll need to decide which of these types of coverage is most important to you and get a policy that offers them.

Next, you need to consider how much coverage you need. This will depend on the value of your home and belongings as well as the amount of risk you’re willing to take on. If you have a high-value home, you’ll need more coverage than someone with a lower-value home. And if you’re not comfortable taking on a lot of risk, you’ll want to get more coverage than someone who is okay with a little bit of risk.

You’ll also need to consider additional riders or endorsements that can be added to your policy. These can cover things like jewelry, art, or collectibles. If you have any of these items, you’ll want to ensure they’re covered in your policy.

Finally, you need to think about the deductibles. This is the money you have to pay out of pocket before your insurance policy kicks in. The higher the deductible, the lower your premium will be. But you need to make sure you can afford the deductible if something happens.

Once you’ve considered all of these factors, you’ll be well on your way to choosing the right home insurance policy for your needs. If you have any questions or need help getting started, AAIGOT Insurance Agency Inc in Houston, TX is here to help. Give us a call, and we’ll be happy to help you get the coverage you need.

 

When You Should Consider Updating Your Home Insurance Policy

When it comes to home insurance, one of the most common mistakes Houston, TX homeowners make is purchasing an insurance policy, tucking it away, and never giving it another thought. However, over time, situations will change and your coverage needs will change. Because of this, it is imperative to review your policy annually and make changes as necessary. If you fail to do this, you may leave yourself vulnerable and inadequately protected. AAIGOT Insurance Agency Inc wants to share a few situations in which you should consider updating your home insurance policy.

When You’re Remodeling

A number of remodeling projects can impact your insurance coverage. For instance, adding an addition or renovating the kitchen could improve your property value. As such, you will need to increase the amount of protection to ensure you receive enough to rebuild should disaster strike. Some other projects like installing a swimming pool could increase the liability limits of your policy.

When You Make a Large Purchase

One of the great things about home insurance is that it will cover the cost to repair/replace your personal possession if damaged or stolen under a covered event. However, keep in mind your standard home insurance policy will only offer this coverage up to a certain amount. If you require more, you will need to purchase an endorsement. So, make note of all of your high-value assets like artwork and jewelry and determine just how much coverage you need.

When You Install a Security System

As a general rule, you can get a discount on your homeowner’s insurance policy when you have a security system installed in your home. This is because you have taken additional measures to improve the safety and security of your home. So, if you have installed a security system or done anything else that could improve the safety and security of your home, review your coverage to ensure you’re not missing out on anything.

When you have questions about home insurance or would like to sit down with an agent to review or update your policy in Houston, TX, reach out to the team at AAIGOT Insurance Agency Inc.

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