He said not only does the state face the potential of tornadoes in the spring but also the threat of high winds and pounding rains in the fall and flooding all year round. He said
He said there isn't much one can do about some of the factors that play into Texans paying higher rates than some other states. But that doesn't mean there aren't things that one can do to save money on the premiums.
Hagins recommends that homeowners use a comparison shopping tool found at www.HelpInsure.com to select the type of plan they need for a price they are willing to pay.
"It's a free, anonymous service that makes it easy to compare sample prices and other factors from the 100-plus insurance companies in
He said another helpful resource is
For example, the publication says that most homeowners policies cover losses caused by things like fire and lightning, sudden and accidental damage from smoke, explosions, theft, vandalism, riots, cars or planes, windstorms, hurricanes, and hail, or sudden and accidental water damage. However, it notes that coverage for hurricanes and hail might be excluded if the property is on the
The publication said many people may not know items that are most often not included are flooding, earthquakes, termites, insects, rats, mice, pipes that freeze while the house in unattended, wear and tear, wind or hail damage to trees, mold (except for what is necessary to repair or replace property damage caused by covered water loss) or water damage that results from continuous and repeated seepage.
Also included in the publication are a number of definitions that homeowners might find helpful and explanations about how to decide how much of one's personal property inside the house will be covered in the event that the house is not a total loss.
The publication says that homeowners policies generally provide coverage for personal property as a percentage of the amount of home's coverage limit.
"For example," the publication says, "if your company insures your personal property at 40 percent of your dwelling coverage and your house is insured for
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