Category: Home Insurance

At Amy Tounget Insurance Agency LLC in Midlothian, TX, we are in business to provide hope, help, and restoration after a loss. Homeowners who suffer damage to their homes could face a significant financial burden.

A peril is a circumstance that causes damage to your home, such as a fire, windstorm, hail damage, explosion, or the weight of ice or snow compromising your roof. When a peril occurs, and it is one that is covered by your home insurance policy, there are certain steps you need to take to secure your home until your claim is processed and your home is repaired.

What to do after you file a home insurance claim.

After your home is damaged, you need to document and report a claim to the insurance company. You are then responsible for mitigating damages to prevent further damage. This could involve covering a leaky roof with a tarp, shutting off the water to your home when dealing with a busted pipe, or covering a broken window with plywood.

Part of mitigating damage is making temporary repairs to the property until a claims adjuster can assess the damage. You can also get an estimate for repairs to your property for materials and labor. After you file a claim, save receipts for any temporary repairs and other additional costs incurred to mitigate damage, and find temporary lodging options and meal costs. Then, submit your receipts to the insurance company.

Lastly, if another party caused the damage to your property, be sure to get their insurance information.

We are here to help!

Dealing with the aftermath of an unfortunate incident that damaged your home can be overwhelming and stressful. However, at Amy Tounget Insurance Agency LLC in Midlothian, TX, we are here to help you transition smoothly back to restoration. Give us a call at (214) 476-2544.

Understanding Home Liability Insurance in Midlothian, TX

Most property owners primarily consider their home structure when purchasing home insurance. However, you could be held responsible if someone gets injured or experiences property damage within or around your home. The consequences might include out-of-pocket payments for legal costs, settlements, and judgments in case of a lawsuit. At Amy Tounget Insurance Agency LLC in Midlothian, TX, our team is ready to ensure that you’re adequately covered for such situations.

What is Home Liability Insurance?

In addition to covering your home structure and personal belongings, many homeowners’ policies include a personal liability component. Liability insurance shields you against costs emerging when someone gets hurt on your property. Depending on the policy, it might also cover damage or injuries caused by your pet. This coverage also takes care of damage to others’ property. For instance, if your child hits a ball, causing damage to a visitor’s car, your liability coverage may handle the repair costs.

How Does Home Liability Insurance Work?

Our trained home insurance agents can examine your existing policy for you. Home policies typically include a base limit for property damage and injuries. You can often expand this coverage, thereby enhancing your home insurance, for a minor additional outlay. Discover what your coverage limits are for medical and property damage claims to help decide whether to boost your coverage. For example, you may want to enhance your medical liability coverage if you own a pet.

Do you have other questions about this vital coverage? Don’t hesitate to contact the Amy Tounget Insurance Agency LLC team in Midlothian, TX to discuss your home liability insurance needs.

Purchasing a new house in Midlothian, TX is a multi-step process. Although it might not be the most exciting step, getting the right home insurance is an essential part of the process. This will likely be your most valuable asset; ensure it’s protected from day one. 

Start Early

Begin the process of securing home insurance well before closing. You don’t necessarily need to immediately after having an offer accepted, but you ought to talk with an insurance agent reasonably early on in the home-buying process. You might contact us at Amy Tounget Insurance Agency LLC  after going through the inspection or while waiting for the appraisal.

Taking care of insurance earlier on in the process can make things easier during the days right before closing. If there’s a hiccup that you need to deal with, finding a home insurance policy is at least one thing that you won’t have to deal with at this time.

When you contact us, we can set up a home insurance policy that begins on the closing day. You needn’t pay premiums before closing, even if you set up a policy weeks ahead of time.

Compare Policy Options

When you shop for home insurance, make sure to compare multiple policies. Depending on your house, you’ll want to look at coverages, premiums, and any other relevant details. Our knowledgeable insurance agents at Amy Tounget Insurance Agency LLC can assist with this process, ensuring you find a policy that’ll protect your house (and you) well.

If you’re in the process of purchasing a house in Midlothian, TX, contact us today to find home insurance.

At Amy Tounget Insurance Agency LLC, we strive to provide our clients with the right home insurance policy for their needs. With that being said, it’s common for there to be several myths and misconceptions regarding homeowner’s insurance. Whether you’re a first-time owner or you’ve been buying and selling properties for years, it’s imperative to have the right information. Here are some common myths debunked.

Homeowner’s Insurance Isn’t Necessary

You aren’t required to have home insurance unless you have a mortgage with a lender. However, if you forgo home insurance, it could end up being a mistake. For example, if your home is damaged or destroyed by a fire, natural disaster, or other unexpected event, you would be left to bear the full financial burden of repairing or rebuilding your property. 

Flood Insurance Is Part Of A Home Insurance Policy

It’s common to think flooding is part of your home insurance policy. However, that isn’t the case. It is a separate type of coverage that needs to be purchased separately. Floods are not typically covered under standard homeowner’s insurance policies. Flood insurance can help protect your home and belongings in the event of a flood, which can cause extensive damage.

The Same Policy Works For Everyone

Every home has several factors that affect how your policy should be designed. These include the condition, age, location of your home, and the value of your belongings. Therefore, there is no one-size-fits-all policy that works for everyone.

Learn More About Home Insurance in Midlothian, TX

Ready to get started with a home insurance policy? You can call Amy Tounget Insurance Agency LLC to talk to one of our experts in Midlothian, TX.

 

Our team at Amy Tounget Insurance Agency LLC can provide Midlothian, TX residents with the home insurance policies they need to keep their homes safe. If you’ve been attacked by termites, you probably want to know if our policies will help. Here’s what you need to know.

Why Your Policy Doesn’t Cover Termite Damage 

Unfortunately, your home insurance policy won’t cover most types of termite-triggered damage. There’s a reason for that: this type of problem can be easily prevented by regular home maintenance, such as sealing up entry routes for termites and applying various chemical treatments. 

As a result, your insurance company won’t cover the kind of severe and widespread damage that termites can cause to a home. That’s very frustrating, but there are a few exceptions to this rule. Read on to learn more about a few times when your policy will help you. 

What It Might Help You Pay

What happens if termites cause other types of serious damage? For example, if your termites chew through wires or somehow damage pipes and cause fires or floods, are you covered? Yes! That’s because fires and floods are covered by your insurance policy as long as you didn’t cause them. 

By that, we mean incidents like termites that trigger fires are pretty much freak accidents and couldn’t have been prevented with standard maintenance. As a result, it’s important to stay in touch with your provider to learn more about what they can do to help you in this weird scenario.

Have Questions? Consult With Us

At Amy Tounget Insurance Agency LLC, we can help Midlothian, TX area residents understand their insurance coverage and help you pay for various types of damage. Call us today to learn more about your options, and we’ll do whatever we can to ensure you get the proper coverage.

Amy Tounget Insurance Agency LLC is committed to providing Insurance products and services to the residents of Midlothian, TX. Having home insurance can protect you from various risks which can cause losses. Get the right coverage to help give you peace of mind and protect your investment.

Home Insurance Protection 

Home insurance can offer solid protection when your home faces risks. However, home insurance doesn’t cover issues that can be prevented by regular maintenance on the homeowner’s part. For example, if your pipes are leaky and damage the home, then your home insurance will likely not cover the damage.

If you want to learn more about the home insurance coverage available to you in the area, you can count on our team of insurance professionals to provide answers and solutions. Our mission is to help customers get the best protection against risks to their homes and property. We can analyze your current and potential future needs and match you with insurance policies that meet those needs.

Additionally, we also provide service during the policy shopping process and after the sale. If you have a claim at any point during the policy’s lifetime, we’re there to support you. Find out how easy it is to get the right Insurance protection to give you peace of mind.

Reach Out Today 

If you live in and around the Midlothian, TX area, we encourage you to reach out to Amy Tounget Insurance Agency LLC. Please feel free to call or stop by our office to speak with one of our knowledgeable insurance agents. 

We can provide you with assistance before, during, and after your insurance selection and strive to maintain a solid relationship with customers for the long term. Don’t guess when it comes to obtaining insurance for your home. Get the confidence to know you are secure with reliable insurance in place.

Today’s nightmare is identity theft. Hackers get into computers to steal personal information. The first we learn of it is when we discover three mortgages have been taken out on our houses. Luckily for us, identity theft insurance can be added to our homeowners’ policies for extra consideration. Here’s how Amy Tounget Insurance Agency LLC in Midlothian, TX sees it.

What Identity Theft Insurance Can Do

Identity theft insurance won’t recover your lost cash, but it will help with reversing the fraud, fixing your credit score, and securing your accounts. Other things include:

    • Lost wages from work as you work on the theft

    • Copies of all three credit reports

    • Lawyer fees

    • Financial institution fees

Some savvy insurance companies already have identity theft built into their policies, so check first.

Is Credit Monitoring Included in Identity Theft Insurance?

Many insurance companies offer some level of credit monitoring while others leave it to credit monitoring “services.” If the company carries it, all three credit bureaux will be monitored, with alerts to the insured of the smallest change in the reports. 

Why Is Identity Theft Insurance Attached To Homeowners’ Policies?

Institutions loaning money on mortgages want it repaid. When they give “you” money for a house in Denver or a vacation cottage in Palm Beach, they want that repaid as well. If they hear you calling to tell them that you don’t have a vacation cottage or another house in Denver, then they swing into action to set things right.

Reach Out To Us

Identity theft insurance is written into homeowners’ policies to protect both the homeowner and financial folks. Everyone wants their identity restored so things can go back to normal. Amy Tounget Insurance Agency LLC in Midlothian, TX wants this for you, so drop into the office or call to discuss this necessary insurance.

Living in Midlothian, TX means being prepared for the occasional wind storm. The best way to protect yourself and your home from damage caused by windstorms is to ensure you have the right insurance coverage. Knowing what your home insurance policy covers—and what it doesn’t—is essential to keeping your family safe and secure during a storm.

Windstorm Coverage Basics 

Most standard homeowner’s insurance policies will provide coverage for windstorm-related damage, including damages caused by hail, wind, and rain. However, this coverage may be limited or excluded depending on your policy type. That’s why it’s essential to read and understand your policy to know what it covers.                               

What About Damage Caused By Tornadoes and Hurricanes? 

Tornadoes and hurricanes can cause severe damage, so it’s essential to understand what kind of protection you have when these powerful storms strike. Most standard homeowners’ policies do not include coverage for tornadoes or hurricanes.

To receive this protection, you may need to purchase a special endorsement or add-on from your insurance company that specifically covers these storms. Keep in mind that these endorsements can be expensive, so be sure to shop around before deciding on a policy that meets your needs.                  

Contact Amy Tounget Insurance Agency LLC for Home Coverage

Windstorms can cause extensive damage if not adequately protected against the right insurance coverage. Fortunately, at Amy Tounget Insurance Agency LLC, we offer comprehensive home insurance policies tailored for residents in Midlothian, TX that include all the coverages for protecting your home from potential wind storm damages. Contact us today to learn more about our windstorm coverages and how we can help keep you safe during even the strongest storms!

Your home is likely your most valuable asset, so it’s important to protect it with the right insurance coverage. Our experienced insurance agents at Amy Tounget Insurance Agency LLC in Midlothian, TX, can help you choose the right home insurance coverage for your needs and budget. But what do you need to know when choosing home insurance coverage?

Here are a few things to keep in mind:

The Value of Your Home

Your home insurance policy should cover the replacement cost of your home minus any depreciation. To determine the replacement cost of your home, an insurance company will consider the size, type, and age of your home and the cost of materials and labor in your area.

The Contents of Your Home

Your home insurance policy will also cover the contents of your home up to a certain limit. This includes furniture, clothing, electronics, and other personal belongings. If you have high-value items such as jewelry or art, you may need additional coverage to insure them for their full value.

Types of Coverage

There are different types of home insurance coverage, and the one you choose will depend on your needs. For example, if you live in an area prone to hurricanes, you may want to purchase windstorm insurance. Or, if you have a home office, you may need to purchase business equipment coverage.

Discounts

Many insurers offer discounts on home insurance premiums, so be sure to ask about them. For example, you may get a discount if you have a security system or your home is newly constructed.

Contact Us Today

If you need help choosing home insurance coverage, our experienced insurance agents at Amy Tounget Insurance Agency LLC in Midlothian, TX, are here to assist you. Call us for help finding the right policy for your needs and budget.