Blog Entries & Announcements
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…
What is Escrow? Do I Need to Escrow my Home Insurance payments?
Buying a home can be… confusing. It’s stressful enough without all the confusing real estate and finance jargon. Why can’t they put it in layman’s terms? Don’t they know we don’t buy a house every day? It can be frustrating when people are spitting out these confusing terms at you and you’re just smiling and nodding your head, knowing very well you’re going to have to ask them to repeat everything they just said again. We can’t help you with the whole process, but we do know the insurance part in and out. We’ve helped thousands of clients navigate the…
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