Category: Home Insurance

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.

Having a home insurance policy is a must if you own your own home. Every house needs to be covered by this insurance to protect the financial future of the homeowner. If you need this insurance coverage, give us a call now at AAIGOT Insurance Agency Inc in Houston, TX.

Protect Your House

When you buy your house, it is a serious investment that is often the largest purchase that people ever make. When you have an investment of this size, you need to protect it against harm. With a home insurance policy, your house will have protection against a number of calamities and disasters that can cause damage. When this does happen, the home policy will pay for the repairs it needs, up to and including rebuilding the entire house when necessary. 

Protect Your Belongings

Just like the house itself, your belongings can be damaged and need to be repaired or replaced. When this happens, your home policy can pay toward getting repairs and/or getting items replaced. This is an important protection that can come in handy after a wide range of incidents. When you look around, you may not think that your belongings are worth much, but when added together, they most certainly are. All of the items in the house can rival the value of the house itself. 

Protect Your Space

If your house is damaged and is in need of certain repairs, it may be declared uninhabitable the way it is. No one wants to live in an uninhabitable space, and with your home insurance policy, you won’t have to. You can be moved into another space that is in better condition until the repairs to the house are completed. 

Your Home Insurance

If you don’t yet have home insurance, contact us now at AAIGOT Insurance Agency Inc in Houston, TX.

Hurricanes and storms cost Texans and Americans across the nation billions every single year. When you live in Texas, you will need storm insurance that is in addition to your existing home insurance. Although not every kind of storm insurance is required by the state, you will find that home insurance even with flood insurance could create gaps in your protection if your home is damaged by a storm. 

At AAIGOT Insurance Agency Inc. we want Houston, TX residents to feel protected financially with their home insurance and storm insurance coverage.

Hurricane Insurance

Hurricane insurance is a kind of insurance that is in addition to your existing home insurance. In Texas, you will be required to pay a hurricane deductible in the event of a storm.

You can add hurricane insurance to your existing home insurance, or you may add named storm insurance to your home insurance.

Named Storm Insurance

Named storm insurance in Texas applies to any storm with a name. This could be a hurricane, a tropical storm, or any storm that is designated with a name or number by a federal agency.

Your standard home insurance and even hurricane insurance isn’t going to cover damage caused by a flood or a storm surge. A named insurance policy or rider could help.

Windstorm Insurance

Wind insurance is for damage caused by a storm that involves gusty wind events. This could mean a hurricane, but could also include any storm event where wind damage is caused. A high wind is enough, but you may also see damage from cyclones or tornado level winds. This covers property damage and contents of the home in many cases.

Flood Insurance

Flood insurance is not mandatory in Texas, but it’s a good idea. This insurance is purchased in addition to your home insurance. This will cover any flooding that is caused by storm, or by flood.

Get a Quote

At AAIGOT Insurance Agency Inc., we want Houston, TX residents to feel secure financially in the event of any storm. Call us today for a quote or to update your existing home insurance.

Given the amount of investment you have put in your Houston, TX home, you wouldn’t want to go without home insurance from AAIGOT Insurance Agency Inc. But before purchasing home insurance, you may want to find out what it covers. Below are 4 things covered by homeowners insurance.

Liability protection

Assume your dog bites a neighbor, or perhaps someone slips in your swimming pool and injures their neck or back. In either case, you will be faced with medical expenses and possible legal suits for alleged negligence. However, the liability coverage in your home insurance pays for medical costs and lawsuits that you would otherwise have paid from your pocket.

And that’s not all. Home insurance pays for damages caused to third parties. For instance, damage to your neighbor’s wall or fire spreading from your home to the nearby homes.

Structure protection

Fire, windstorms, and hails can cause significant damage to your home. When the unthinkable happens, home insurance can save the day by covering repairs or rebuilding your home up to your policy limit. Other structures on your property like the garage, porch, shed, and the fence is also covered in case of damage.

Contents coverage

Home insurance isn’t about liability and structures only. It extends to cover equipment inside your home. Whether damage or loss of your assets is by fire, storms, or theft, home insurance pays for the replacement.

Additional living expenses (ALE)

Suppose fire or a storm damages your home. This unfortunate event may force you to seek temporal shelter in a hotel. In the process, you will incur meals and accommodation expenses that you hadn’t budgeted for. Thankfully, the ALE coverage in your home insurance pays for expenses incurred above your normal spending.

Are you looking for home insurance protection? Don’t hesitate to contact AAIGOT Insurance Agency Inc. of Houston, TX. We will help protect you and your home at an unbeatable price.

 

Anyone that lives in the Houston, TX area should consider buying a home. If you are a home buyer here, you can benefit greatly from long-term price appreciation and will also enjoy having a consistent and stable place to live. When you are going to buy a property here, you should spend time assessing your insurance needs. There are several reasons that you should get a home insurance policy in this city. 

Insurance Protects Most Valuable Asset

The most important reason someone should get a home insurance policy in this area of Texas is that it will protect their most valuable asset. When you purchase a home, you will be getting an asset that could appreciate and help you build long-term equity. Due to this, you should look for ways to protect it. The best way you can do this is with home insurance, as it will give you coverage to repair or even replace it.

Insurance is Required

It would be best to have home insurance because it will normally be a requirement for you to have. Any mortgage lender usually requires a home insurance policy, and those that are part of an association will have insurance requirements in their bylaws. This coverage can provide someone with the protection that they need to stay in compliance.

Those looking for home insurance in the Houston, TX area should call AAIGOT Insurance Agency Inc. There are a lot of important factors that need to be considered when you are picking a new policy. The team at AAIGOT Insurance Agency Inc. can help you better understand and evaluate all of your options. This will help ensure that you can get into a policy that will offer you the right type and level of coverage.