Keeping up your Friendswood, TX homeowners insurance is just as important as any other home security. It’s also important to understand what exactly your policy covers and what your excursions are. At Roberts Family Insurance, we work to make sure our clients have all the information they need to make the best-informed choices for themselves and their families about their home protection.

Coverage B, Or Other Structures Coverage

Coverage for other structures on your property is part of every standard homeowners policy. This coverage protects any unattached structure, such as a detached garage, a gazebo, a storage shed, or even a guest house.

Attached structures are covered under the regular dwelling coverage. For instance, an attached garage or deck will be covered here. This distinction is important because your "other structures" coverage is usually set at 10% of your overall policy limits, so you need to make sure that your detached structures have enough protection,.

Is a Built-In Swimming Pool an "Other Structure?"

This depends on your insurer and should be spelled out in your policy.  Make sure that you understand how your pool is categorized by your insurance company.

You should also make sure that you are following any other rules your insurer may have about your pool. Swimming pools are "attractive nuisances," meaning that they are both potentially dangerous and attractive to children. Your insurer may also have a rule that you keep a fence around your pool.

Consult With Us

Making sure you have the right protection for your Friendswood, TX home can save you from a future disaster. If you have any questions about your homeowners policy or if you would like to add more protection to your other structures, call Roberts Family Insurance today.

Emergencies happen no matter where you live, but Texas is the most disaster-prone state in the country. Being prepared is a necessity for most people. In Friendswood, TX, our team at Roberts Family Insurance helps by providing home insurance that can offer a level of protection that is necessary. For floods, flood insurance is an additional insurance necessity. 

It is hard to prepare for tornados and flooding which are common in Texas every year. But there are things you can do to prepare for these and any other emergencies that may come up. 

Preparation For Home Emergencies

Documents

Place all of your important documents, including your home insurance, in one place. Place them in a fireproof and water-resistant container. Know where it is and be able to grab it if you have to evacuate. This will save a lot of headaches later on if you do it before it happens. 

Floodproof your home

Boilers, utilities, and HVAC equipment are often located at the lowest level of a home. If possible move them off that level or place them on a raised platform to keep them out of the danger of water. 

Create a fire zone around your home

Wildfires are a potential emergency and making sure there is a fire-resistant barrier around your home is important and also having an outdoor water source. 

Find a safe place

If there is a tornado warning get to a safe place. A storm shelter or an interior without windows is best. 

Have supplies

Having a generator can provide the electricity that you need to keep your refrigerator or HVAC system operating. Keep an ample supply of bottled water and food for you and any pets you may have. 

Reach Out To Us

Contact our experienced team at Roberts Family Insurance in Friendswood, TX with all your home insurance needs.