What Doesn’t Homeowner’s Insurance Cover?

Though home insurance is made to protect your investment, the truth is that it won’t cover everything. Because of that, you need to make sure that you talk to someone to make sure that your investment is protected. Barry Insurance Group in Pearland, TX encourages you to learn more about your homeowner’s insurance. 

What Doesn’t Homeowner’s Insurance Cover?

Earthquake and flood damage. Most typical homeowner’s policies don’t cover earthquakes and flood damage. If you live in an area where earthquakes or floods are common, you may want to add that coverage to your homeowner’s policy. 

General maintenance. If you don’t take care of your home, your homeowner’s insurance may not cover any damage that occurs. If something breaks that could have been prevented, if you had taken care of your home, you may have to pay for the repairs yourself. 

Limits on personal property. Your homeowner’s policy will set limits on how much it will actually cover. It will cover your possessions up until a point. If your jewelry, artwork, or electronics are high-end, you may want to add an umbrella policy to your insurance to make sure that it covers everything. 

Your business. If you run your business out of your home, it won’t be covered under your homeowner’s policy. You will need a separate business insurance policy to make sure that you are covered. 

In order to make sure that you are fully protected, you need to talk to a professional. Here at Barry Insurance Group in Pearland, TX, we would be glad to sit down and talk to you about your options. We want to make sure that you have enough insurance, in case anything happens. We don’t want you to lose your home over something that could have easily been prevented. 

 

Do Older Homes Require More Home Insurance?

If you own an older home, you know that there is a lot of work that goes into keeping up these types of houses. You might also wonder if owning an older home also means that you need to have more home insurance as well. This is certainly something every homeowner should consider before they choose a policy.

So, do you need more insurance if you own an older home? Barry Insurance Group, which serves Pearland, TX, can help you get to the bottom of this question.

Insurance Companies Assess the Risk of Each Home

Older homes do tend to pose more risks than other types of homes. They tend to be made of different materials, which can put them at higher risk for certain events, like fires and electrical issues. For this reason, your insurer may determine that your home requires more coverage.

Home Inspections Can Help

Regardless of the age of your home, a homeowners insurance company may perform an inspection. This can help determine the likelihood an event could occur, and it may also help determine the cost required to replace your home if something should happen to it.

Older Homes Simply Have Different Repair Needs

Another reason why your older home may require more insurance is that it may require more effort to repair your home. For example, you may have ornate trim on your home, and damage to your home could mean you need to call in a special repair company to fix it.

Get the Home Insurance Your House Needs

As a homeowner, you have many choices for home insurance. Older homes may require more insurance, but the best way to know your home’s needs is to reach out to an insurance agent. Barry Insurance Group helps many Pearland, TX residents meet their insurance needs.

Home Insurance 101

As a homeowner in Pearland, TX, you need to take care of your property through all the means possible. Having home insurance can be one of the comprehensive methods to adapt to cater to the different dangers that are likely to face your home. If you’re interested in taking care of your valuable investment, here are some of the reasons why you should buy a home insurance policy from Barry Insurance Group.

Covers the Structure of Your Home

The structure of your building is the most vulnerable section of your property. It is constantly dealing with fire, environmental exposure, rainwater, and physical damages. This means you will be required to repair it to maintain its integrity regularly. With home insurance, you will not pay for the cost of repairing or rebuilding your structure because your insurance company will cover everything. 

Covers Your Personal Belongings

Inside your building, there are very many valuable personal belongings that you should endeavor to protect against fire, hurricane, and even theft. You need to protect some valuable personal belongings, including furniture, clothing, electronics, and sports equipment. A good home insurance policy will help you in covering and protecting your personal items against insured perils.

Caters for Liability Protection

Home insurance can also help you cover for injuries caused by you or your family members to people visiting your property. It will help pay for associated medical expenses and other unseen costs that may arise from the same situation. Some comprehensive home insurance policies can also cover some of the injuries caused by your pets.

Are You Looking for Home Insurance?

If you have been looking for home insurance in Pearland, TX, you don’t have to struggle again. Barry Insurance Group will help you get the best home insurance policy that will protect your home’s structure and personal belongings.

Is my dog covered by my home insurance

Your furry friend is a member of your family, and you love them dearly. However, when it comes to liabilities, pets, especially dogs, can be significant liabilities. Home insurance provides liability coverage, and you may be wondering if that liability insurance covers your dog. No one likes to think about the possibility of their dog getting into a situation where you might get sued, but things do happen. At Barry Insurance Group in Pearland, TX, we know home insurance liability coverage, and we can help you make sure you have the coverage you need. 

The simple answer to this question is not a straight yes or no. It depends on the breed of dog that you have and the policy. The first thing that you should do when you are considering adding a dog to your family is to call your insurance agent and make sure that your carrier doesn’t exclude the breed you are considering. Some breeds are more likely to be excluded, including pit bulls and rottweilers.

Carriers don’t commonly publish the breeds that they exclude, so you will have to ask specifically. If your carrier excludes the breed you plan to acquire, you may be able to add a separate liability policy for your dog, or your umbrella policy may cover them. Don’t give up; however, some dog-friendly carriers don’t discriminate by breed at all. 

But let’s say you have a terrier, will your home insurance cover him? Yes, he will. The liability portion of your coverage will protect you from a lawsuit if your furry friend nips a neighbor or does some severe damage to their garden. However, if your couch is the victim, then no, your home insurance won’t cover it, so invest in pet training to avoid issues. 

Barry Insurance Group in Pearland, TX is here to help you get home insurance coverage and to make sure that your furry friend will be covered by the home insurance you choose. Give us a call to set up an appointment to discuss your home insurance needs. 

Someone Slipped and Fell on My Property: When Should I Notify My Homeowners Insurance Company?

Your home insurance covers you if someone slips and falls on your property and attempts to sue you. Here at Barry Insurance Group, serving the greater Pearland, TX, we want to help you prepare in case something like this happens to you. Here is what you need to know about notifying your home insurance if someone slips and falls on your property. 

What Should You Do After Someone Slips and Falls on Your Property?

If someone has slipped and fallen on your property, you should first help the injured party. If they need medical attention, call for help. Once you have ensured that their injuries are tended to, be sure to take pictures of the accident scene. Document why they fell, what the conditions were, and any other relevant information. This can be important, especially if you feel that there was not something related to your property that caused them to trip and fall. 

When Should You Notify Your Homeowners Insurance Company if Someone Slips and Falls on Your Property?

You should notify your homeowner’s insurance company as soon as you realize the party is injured and seeking medical attention for their injuries. Many people wait to notify their insurance company until the other party asks for insurance information or lets the other party know they are using them. This does not give the insurance company much time to obtain evidence and seek information about the accident. Letting them know early on can help with their discovery process. 

Having the right homeowner’s insurance coverage can protect you from the unexpected, such as someone slipping and falling on your property and becoming injured. If you are looking for a new homeowner’s insurance policy in the greater Pearland, TX area, let Barry Insurance Group help you find the best policy for your needs. Contact us today to get started. 

 

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