Purchasing two different home insurance policies in Fort Worth, Texas may provide you with a greater level of peace of mind, but that does not necessarily mean that every situation allows you to make a claim on both policies. The benefits that are available through both insurers may vary based on the situation and the details of your contract.
The situation can play a role in your ability to make a claim on one or both of the policies that you have obtained for your house. For example, if your house floods, then the policy that provides coverage for flood damage may be useful. In that situation, you may only use one policy to repair the damages because some insurers do not offer flood protection in the basic policy.
On the other hand, you may be able to make a claim with both companies if your home is damaged from situations that are covered by both plans and the damage exceeds the amount you can claim on one of your policies.
Since insurers are different, the details of your policies and the options that are available to resolve problems can vary. Read your policies before you assume that you can make a claim on both accounts. In many cases, you will only be able to use one policy to resolve the problem, so it is best to use the plan that is most ideal for the particular situation and the type of damage.
Obtaining an insurance policy through more than one company can mean that you have more benefits than a basic plan can provide. Even though you may have two policies, it is not always possible to benefit from both plans at the same time. Contact Strack Insurance Services to talk to an independent agent for more information.