Blog

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May I Can the Amount of Coverage on My Personal Belongings?

May I Can the Amount of Coverage on My Personal Belongings? Yes! Based on a review of the value of the personal belongings you have, it may make sense to either reduce or increase the amount of personal property coverage you have on your policy. Also, it may make sense to add either endorsements or floaters to increase the coverage on personal items like jewelry for example. Read more
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Do I Have an Adequate Amount of Dwelling Coverage on My Policy?

Do I Have an Adequate Amount of Dwelling Coverage on My Policy? To answer this question, you should estimate the reconstruction cost of your dwelling. First you will need to determine the value of the land on which the dwelling is constructed. Subtract that amount from the estimated sale price of the property. It is important to never over or under insure your dwelling. Read more
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Do I Need to Have Home Insurance When You Rent a Property?

Do I Need to Have Home Insurance When You Rent a Property? If you do not own the property, the property owner must have homeowners insurance. However, you may want to have renter’s insurance to cover your belongings. If you own the property, then you must have homeowners insurance. Your renter may want to have renters insurance. Currently, there is no law in Texas stating that you have to purchase renters insurance. However, many apartments and rental properties require that you have renters insurance to rent from them. Read more