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The Right Home Insurance For Your First Home

The Right Home Insurance For Your First Home

First House Homeowner Insurance Basics

Buying your first home is one of the biggest financial investments you will ever make, which is why it is important to make sure that it is protected with the right homeowners insurance policy. Choosing the right homeowners insurance policy for your first home can be slightly confusing and stressful. Keep these tips in mind to ensure that you choose the right home insurance policy for you.

  • Insure your home for its replacement cost – you will have the option to insure your home for its replacement cost or for its market value. Make sure that you insure your home for its replacement cost so that you can rebuild your home with similar materials if it is a complete loss after a disaster.
  • Do not skip on liability – liability insurance will provide protection if someone is injured at your home. Liability insurance will also provide coverage for a lawsuit that is associated with the injury at your home to ensure that you are not financially devastated from one accident.
  • Protect your assets – homeowners insurance will provide coverage for all of your belongings that are kept at your home. If you have any valuable items, such as fine art or jewelry, you may want to take out extra insurance coverage to ensure that any valuable belongings are protected.
  • Know what is not covered – just as important as knowing what is covered is to know what your policy does not cover. Knowing what is not covered will give you a better idea for any extra insurance policies that you need to invest in to provide the right amount of coverage.

For all of your homeowners insurance needs and to ensure that you and your new home have the right amount of protection, contact the insurance professionals at the Insurance Agency of Dean Davis in Austin, Texas.

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Avoid a DUI This New Year’s With These Tips

Avoid a DUI This New Year’s With These Tips

New Year’s Safety Tips

As the 2014 year comes to an end, it is the perfect time to get out your party clothes and plan for all of your holiday festivities. No matter how you decide to ring in 2015, it is important to make sure you know how to stay safe. Keep these New Year’s safety tips in mind to ensure that your New Year does not end in disaster or a DUI.

  • Have a designated driver – if you have a friend who does not enjoy drinking, ask them to be your designated driver. Make sure that your designated driver stays sober the entire night since just one drink can affect their driving ability.
  • Stay close to home – if you live in an area that has plenty of fun restaurants and bars, consider walking to your favorite place. If you do choose to walk, make sure that you wear light colored clothing and follow all of the traffic lights.
  • Use public transportation – public transportation is very inexpensive and will take you throughout the city. As an added bonus, many cities offer free public transit on New Year’s Eve.
  • Call a cab – if you split the cost of a cab between you and your friends, it will be very cheap. In addition, a cab will pick you up at your house and drop your off at the exact location of your party.
  • Look for free services – there are many services that are free on New Year’s Eve to help ensure that you get home safely. AAA offers free rides home in many cities across the country. Call your local AAA to see if you can benefit from a free ride.

All of us at the Insurance Agency of Dean Davis in Austin, Texas would like to wish you and your family a happy and safe New Year, and would like to thank you for allowing us to provide you with all of your insurance needs.

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