Blue Boonet (DSW) can help you with homeowner’s insurance in Burnet, Cedar Park, Lakeway, Leander or Marble Falls. They are a local independent agent and they understand the insurance requirements of the communities they serve. They also understand the law of real estate, mortgages and mortgage lender requirements.
Insurance is a complex filed and home insurance is no exception. Insurance policies deal with risks, coverages, deductibles and costs. A local agent such as Blue Bonnet will find you the best coverages at the lowest possible cost. They will also explain to you exactly what you are covered for and what the exclusions are.
When it comes to homeowner’s insurance it is important that you know and understand what you are covered for, how much you are covered for and how much the coverage will cost you. At the same time, you need to know what risks and events are excluded from your home insurance policy.
A standard home insurance policy will cover you for normal risks such as liability claims, fire, burglaries. But there are other real risks such as flood damage. Most homeowner’s insurance policies don’t cover damage related to natural floods. For that you need separate flood insurance. It is important to know what events are not covered under your home insurance policy. Are you covered for windstorm damage or some other natural disaster? Do you live in a high-risk area? Are you entitled to Federal sponsored flood insurance?
You also need to know the amount of your coverage. Insurance policies have limits on the amounts they will pay out. You want to be sure you are covered for the replacement value of your home and contents. What you paid for your home and possessions a long time ago might be a lot less than the current replacement values.