A good homeowners insurance policy can protect your home from a good number of dangers, including burglary. A homeowners insurance policy covers the loss of items in your home due to burglary up to a specified amount, minus the deductible. Sometimes if people have valuable items that would exceed the limits of coverage in a homeowners insurance policy, they purchase additional coverage for those items. Unfortunately, stolen items are not the only losses in a burglary.

When someone robs a home it is rarely a "clean" theft. They usually enter by breaking a window or damaging a lock. They are usually rushing to get the valuables before you get home, so they are not terribly careful or gentle in searching for items of value. They might smash vases, rip paintings, tear apart furniture and do various other damage while looking for your best hiding spots. Luckily, this damage is usually covered by your homeowners insurance policy, again, up to specified limits and minus the deductible.

To make things go more smoothly in the event of a burglary, it’s a good idea to have a list of your more valuable belongings, ideally including receipts and photos. At least having a recent picture of the inside of your home can help an insurance adjuster to determine how badly your belongings are damaged. If you live in Texas and you’re not happy with your insurance coverage or don’t yet have homeowners insurance, you need to call Strack Insurance Services today. As your independent agent in Arlington, Texas, we give you the ability to easily compare insurance quotes right on our website, so you can rest assured that you’re getting the best possible insurance at the best possible rate.

Natural disasters can strike when they are least expected, and they can leave lasting damage to your home and property. Depending on the insurance coverage that you purchased for your home, you may or may not be able to make a claim on your homeowner’s policy after a natural disaster damages your home in Arlington, Texas.

The Coverage

The key factor that impacts your insurance cover is the type of policy you purchased. In general, a basic policy will only cover certain disasters, storms or situations. It may not cover problems like earthquakes, floods or tornados, so it may be necessary to obtain additional coverage for those specific situations.

Although many insurers have limitations on the situations that are protected, some policies may offer solutions for the unexpected disasters. Depending on your goals, plan and current coverage, the options for making a claim may vary.

Buying Additional Protection

Even though some companies may offer basic protection against certain storms and disasters, it may not apply to every situation. In many cases, you will want to buy additional protection to ensure that your home is as safe as possible.

A variety of coverage options are available for different situations, so the first step of finding the appropriate plan is identifying the coverage that you already purchased. Find out what situations are protected and what are not. When you are fully aware of the coverage on your account, you can then make adjustments to your policy or purchase an additional plan.

Depending on your current policy, you may or may not have coverage for certain natural disasters. By evaluating the coverage, you can identify the additional protection you may want to purchase. Contact Strack Insurance Services to talk to an independent agent for more information.