Welcoming a new pet into your home can bring joy and add value to your life in many ways. However, this change may require updating your home insurance policy to reflect the new addition to your household. This is especially important if your pet could be considered a risk to others.

At Roberts Family Insurance, our team can help you select home insurance in Friendswood, TX that fits your needs, even when you’re welcoming a furry family member.

Why Inform Your Home Insurance Agent About Your Pets?

It’s essential to inform your insurance agent about any changes in your household, including the addition of pets. This is particularly important if you have a dog, as dogs can pose bite risks to visitors, even if they are smaller or non-aggressive breeds.

Additionally, you should notify your homeowners insurance company about other pets, such as cats, reptiles, or exotic animals. These animals can present unique risks. For example, a reptile enclosure may be valuable, and if it’s damaged due to a covered claim, you’ll want its value documented in your policy. Your insurance company also needs to be aware of potential risks, such as the possibility that the enclosure’s heating element could pose a fire hazard if improperly installed.

How Your Agent Can Help

At Roberts Family Insurance, our home insurance agent in Friendswood, TX can help you determine the type of insurance necessary for your home and lifestyle. We’ll help you select a policy that offers the ideal level of liability and property coverage to meet your specific needs.

If you own your own home, it’s wise to have it insured. But your home isn’t limited to just the house you live in. You may have a fence to mark the edge of your property. Perhaps you have a shed, workshop, stable, cabana, barn, or gazebo on your property. Maybe you’ve had a well on the property for centuries, or you’ve installed a decorative fountain or birdbath. Perhaps you built a small house for Fido or an even smaller one for wild birds or bats. Will your insurance cover them, too?

Coverage B

Check out your home insurance policy. It should have Coverage B, also known as other structures insurance coverage. This should protect structures on your property that are not physically connected to your home. Generally, the coverage limit is set at ten percent of the dwelling coverage of your policy, but you should check to be certain. Attached decks and garages that are connected to your house are covered under dwelling coverage. Anything that is detached from the house proper or only connected by a fence falls under other structures coverage. If you have a pool, it may also be covered by Coverage B, although many companies may require you to put a fence around it, as pools tend to be considered attractive nuisances. If you have one or more large structures on your property, it would be beneficial to research their replacement costs. Structures used for business purposes may not be covered. Check your policy to find out what precisely you are covered against.

Contact Roberts Family Insurance in Friendswood

If you are in the Friendswood, TX area and need homeowners insurance, don’t hesitate to get in touch with Roberts Family Insurance. We’re here to help.

Protecting your investment from liability claims, severe storms, and even theft is a top priority as a homeowner in Friendswood, TX. Even with a standard home insurance policy, it’s essential to review your coverage to avoid potential gaps in protection periodically. Knowing how to assess your home insurance policy effectively can help you find a solution that meets your needs. At Roberts Family Insurance, we’re here to help you maintain peace of mind with adequate, year-round home insurance that you can rely on.

Replacement Costs

Review the replacement cost coverage in your current homeowner’s insurance policy to assess its adequacy. Consider whether the home’s market value is covered or potential rebuilding costs are included in your policy. Keep in mind inflation and rising construction costs.

Personal Belongings Coverage

Many home insurance policies limit personal property coverage, especially for high-value items like antiques, art, and jewelry. If you require additional coverage for collectibles or high-value items in your home, be sure to address this.

Natural Disasters

Check if your homeowners’ insurance policy covers risks such as natural disasters, which are often unique to Friendswood and other regions throughout Texas. Determine if your policy protects against hail and windstorm damage and if you need a separate flood insurance policy for excessive water damage.

Assessing your current home insurance policy in Friendswood, TX, has numerous benefits as a homeowner. From adjusting your existing policy to adding more protection, a review can significantly protect your investment over time. To learn more about your current home insurance policy and to determine if it’s adequate for your household’s protection needs, contact Roberts Family Insurance for your consultation and quote today.

To protect your home effectively, it’s crucial to understand what your insurance policy covers. At Roberts Family Insurance, serving Friendswood, TX, we frequently ask whether home insurance covers broken windows? Let’s delve into this topic to help you gain better insights.

Standard Coverage Explained

Most standard home insurance policies typically cover window damage resulting from unforeseen incidents. If a storm in Friendswood causes a tree branch to crash into your window, your policy will likely cover the repairs. Similarly, vandalism is generally included—meaning if someone intentionally damages your window, you should be protected.

Accidental Damage and Negligence

On the other hand, if your window shatters due to an accident within your home, like a wayward baseball, coverage might not be automatic. Some policies offer additional protection against accidental damage, but verifying with your provider is essential. Negligence—like failure to maintain your windows’ integrity—is typically not covered. Regular maintenance is key in keeping your home protected under your policy.

Filing a Claim

If you encounter a broken window, the first step is to document the damage. Take clear photographs and promptly contact your insurance provider. At Roberts Family Insurance, we are committed to guiding you smoothly through the claims process and answering any queries you might have.

Review and Update Your Policy

We recommend an annual policy review to ensure you have adequate coverage. Life changes, and so do your insurance needs. If you’re unsure whether your current policy includes coverage for broken windows, contact us at Roberts Family Insurance, serving the Friendswood, TX area. Our team is here to help you at every step.