YOUR RIGHTS WHEN YOU BUY INSURANCE FOR A HOME OR APARTMENT

The following information was released by the Texas Department of Insurance (TDI):

When you insure your home or rented apartment, you get a river of information in writingincluding the Consumer Bill of Rights.

Too much to read? Let's make it easier.

In Texas, you have the right to:

Call TDI to learn about your rights or to check a company's license status, its financial condition, and the types of consumer complaints filed against it.

Call your insurance company with questions or complaints. The phone number is on your policy.

Keep your personal financial information private from companies not affiliated with your insurance company or banking institution. Examples are income, Social Security number, and credit or premium payment history.

Cancel your policy any time and be refunded remaining premium.

Be treated fairly and honestly when you make a claim. If you believe an insurance company has treated you unfairly, call TDI.

Reject any settlement amount offered by an insurance company. You can negotiate with the insurance company or pursue legal remedies such as mediation, arbitration, or filing a lawsuit.

Have your home repaired by the contractor of your choice.