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.

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.

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.

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.