Blog Entries & Announcements
What is Other Structures Coverage and do I need it on my Homeowners Insurance?
We are all looking for places to save some money these days. So we certainly don’t blame you for reviewing your insurance policies and looking for places to cut costs. After all, your insurance policies probably seem like they are packed with coverages that you don’t understand and that you’re not even sure if you need. If you’re like many of our clients, the “other structures” coverage on your home insurance policy might be one of them. You have home insurance simply to protect your home and may not really care about covering anything in your yard. So you might…
Unique Home Features that Could Impact your Insurance Rate
Every year people ask themselves, “Why am I paying so much for home insurance?” We understand how it feels. Paying a lot for insurance (when you might not even ever have to use it) can be frustrating. People are always looking for ways to save on their personal insurance, and our clients at RiskWell often ask why they are paying X-amount on their home insurance when their neighbor’s insurance premium is much cheaper. Our answer? A lot goes into home insurance. You can’t really compare apples to apples with a neighbor. In addition to coverages, limits, deductibles, and the competitiveness…
How Much Does Homeowners Insurance Cost in Texas?
Buying a home is a major expense. Adding a new mortgage to your monthly bills can be stressful. As can all of the new costs associated with homeownership … such as homeowner’s insurance. So if you’re in the process of getting a new home, you might be wondering how much you’ll have to dish out for the protection you need for your home. In this article, we’ll give you an estimate on what homeowners insurance can cost, get into the factors that influence it, give some real examples of insurance premiums for Texas homes, and even explain some ways you can save.…
Why is My Home Insured Over/Under Market Value?
Whether you just bought a new home (congratulations!) or are just looking over your existing policy, you may be wondering “Why is my coverage amount more or less than my home value? How much home insurance do I actually need? Shouldn’t my policy coverage just cover the market value of the house?” When acquiring insurance for your new home, you probably expect that your coverage will be equal to what you paid for it. I mean, that number is technically the value of the home, right? Even though that seems like it makes the most sense, as is often…
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