Tag: Carrollton home insurance

The Top 4 Home Insurance Claims for Texas

Texas home insurance rates continue to climb and remain the highest in the country. The two reasons most insurance companies give for Texas having the highest rates are weather and the cost of claims. The top four types of home insurance claims as reported in a Texas Department of Insurance study are hail, water damage, hurricane winds, and fire. The combined total insurance companies paid out in claims was over $25 billion. Individually, hail claims accounted for $7.6 billion, water damage was $7.3 billion, hurricane winds was $6.2 billion and the amount paid for fire claims was $4.3 billion.

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Avoid a Home Insurance Claim this Winter

Winter’s here, and in north Texas, that means some cool to moderate temperatures with some hard freezes thrown in, and just maybe, some snow or an ice storm. With that in mind, let’s examine what you can do to avoid a home insurance claim this winter, which will keep your rates down for years to come.

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Avoiding a Holiday Home Break In

Pre-Black Friday, Black Friday, and Small Business Saturday has come and gone and today is Cyber Monday. In case you missed it, there are 24 more shopping days till Christmas, so you have plenty of time to find the perfect gift for loved ones or yourself!

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Thanksgiving Gratitude

It’s hard to believe Thanksgiving is already here. Whether you’re trying to get somewhere to be with people, preparing for an influx of relatives, or spending a relaxing and quiet day on the couch watching football, I hope the past 12 months have been extraordinary for you too!

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3 Home Insurance Pricing Factors Not Related To Your Home

There are a number of factors which go into the computation of your home insurance premium including age, construction type (brick, wood frame, etc.), age, and roofing material. In addition, there are factors that shape the replacement cost of your home’s insured value which has a direct correlation to what you pay for insurance. These include the number of square, how many stories, the number of living areas, number and grade of bathrooms, kitchen grade (see http://50.87.248.161/~wiseinsu/kitchens-bathrooms-and-home-insurance/), and is there a fireplace or swimming pool.

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Kitchens, Bathrooms and Home Insurance

There are many factors insurance companies consider when determining a home’s replacement cost, how much it takes to rebuild a home in the event of a total loss (see http://50.87.248.161/~wiseinsu/home-insurance-replacement-cost-actual-cash-value). Kitchens and bathrooms are two room types which have a significant impact on a home’s replacement cost.

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Roofs and Home Insurance

Roofs are one of those things that keeps coming up when I talk with people about home insurance in Texas. This is because roofs impact homeowners and home buyers in so many ways: they can cause the home insurance to cost more, cost less, or impact it in how a weather related claim is paid (see http://50.87.248.161/~wiseinsu/home-insurance-roofs-impact/).

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Home Insurance and Storm Claims

A storm rolled through Dallas last Thursday with straight line winds between 75 and 90 miles an hour. The rain fell sideways and the wind snapped tree limbs, toppled trees, and knocked out power to 300,000 homes and businesses. 85,000 homes and businesses were still without power as of late Saturday.

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