All Posts tagged personal belongings

Do You Have Enough Holiday Home Liability Coverage?

Do You Have Enough Holiday Home Liability Coverage?

The holidays bring a unique set of dangers to your house.

The holidays are meant to be full of cheer. Unfortunately, just one accident can be enough to ruin your entire season. Knowing how to protect yourself and your family from any disaster that you may face will help to ensure that you can take full advantage of the season. Keep these holiday homeowners liabilities in mind to prepare for the season.

Your chestnut roasting leads to a home fire.

Home fire claims increase more than 10 percent during the holiday season, although not all of them are tied to chestnuts. Typical homeowners insurance policies will provide coverage if your house is burnt down. Looking over your home inventory to ensure it is up to date before the holidays will help to ensure that you have the right amount of coverage.

Thieves break in and steal all of your perfectly wrapped gifts.

Home insurance policies generally provide coverage for your personal belongings at 50 to 70 percent of your dwelling coverage. If any of your gifts are extremely valuable, such as a new diamond ring for that someone special, you should schedule it within your policy to ensure it is properly covered.

A delivery man slips and falls on your walkway.

Your existing home insurance policy will provide liability coverage for injuries that occur on your property. However, the limits can easily be exceeded depending on how hard the delivery man fell. Investing in a personal umbrella insurance policy will help to provide the additional coverage that you need to ensure that you aren’t financially devastated after just one accident.

For all of your homeowners insurance needs to ensure that you have the coverage that you deserve in case you have to make a claim this holiday season,  contact the Insurance Agency of Dean Davis in Austin, Texas.

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Home Insurance Coverage For Tree Damage

Home Insurance Coverage For Tree Damage

How your insurance company will deal with damage caused by a fallen tree.

Homeowners insurance policies will provide coverage for damage that is caused to your house during a strong windstorm. However, do you know if your home insurance policy will also provide coverage if that windstorm causes a tree to fall on your house? Keep these tree damage and homeowners insurance considerations in mind to ensure that you have the right amount of protection.

If a tree falls on your house, or any other structure on your house, your homeowners insurance policy will kick in and provide coverage. Your home insurance policy will provide coverage for any personal belongings that were damaged as well as the structures, up to the limits of your policy.

If a neighbor’s tree falls on your house during a storm, filing an insurance claim can be a little more confusing. If the tree was healthy and well cared for, your own home insurance policy will take care of the damage. However, if you are able to prove that the tree as dead or diseased, your insurance company will most likely try to collect a payout from your neighbor’s homeowners policy through subrogation. If your insurer is successful and able to get a payout from the other company, you will be reimbursed for your deductible.

When it comes to the clean-up of the tree, most homeowners insurance policies will only provide coverage for debris removal if the debris is what actually caused the damage. If the tree fell on your property and did not cause any damage, you will be left paying for the clean-up on your own.

Contact the Insurance Agency of Dean Davis in Austin, Texas for all of your homeowners insurance needs to ensure that you have the right amount of protection for any damage done during a storm.

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