Your home is a valuable asset, and you need to treat it as such. Find a homeowners insurance coverage option that offers you sufficient protection. Lone Star Insurance Specialist can help you with this by working with you to get the right insurance for your Amarillo, TX home. Homeowner’s insurance can be confusing when going through the claim process. Our insurance agents can help guide you through the process of making a claim.
When to Claim Your Homeowners Insurance
If the Structures of Your Home Are Damaged
You can claim your dwelling coverage if the building structures of your home, including floors, walls, built-in appliances, and ceilings, are damaged because of insured risks such as fires or vandalism. The policy will compensate you for the costs of repairing or rebuilding your home depending on the extent of damage and your policy limits.
If You Lose Your Property
Your home insurance contents coverage protects your personal belongings that are in your home. They may include furniture, electronics, and clothing. If a covered risk destroys them, you can make a claim. You will receive compensation for the value of replacing or repairing the items. You may get the actual cash value of your property which is the buying cost minus depreciation value, or the replacement cost depending on your policy.
In Case Of Liability Claims
You make a claim on your homeowner’s insurance if you are held liable for an injury or property loss of third parties. The policy helps to pay for the third party’s medical expenses, funeral service, prosthetic devices, ambulance, and the cost of replacing or repairing their property. If they sue you, the policy helps to pay for the legal charges.
Contact Lone Star Insurance Specialist in Amarillo, TX to discuss a new homeowners insurance quote and to have your questions answered.