Tailored Policies from Reputable Home Insurance Companies
At VGW Insurance in Plano, TX, we work with highly rated insurance companies from Texas and across the United States to provide our clients with personalized insurance plans. Through our various partnerships we are able to find the right policy to meet each client’s needs. Whether you’re looking to buy home insurance for your first home, or you want to research the competition to see if you can get a better homeowners policy rate, call us today at 972-668-1000 (toll free 877-668-1000).
The Basics of Homeowners Insurance
Homeowners insurance policies, as well as condo owner policies, cover the following basic items:
- Your dwelling:The biggest item covered here is your house and any related structures, such as fences and garages. You will get reimbursed for losses caused by covered events such as fire, theft and vandalism. For condo owners, your policy will cover your unit alone.
- Your personal belongings: A basic policy will protect most of your personal property, including clothing and electronics. If you have specialty collections such as antiques or fine art, you will need to purchase additional coverage in the form of a personal property rider.
- Your legal costs related to liability: If someone sustains injuries while on your property or by some act related to you or your family, this portion of your policy will kick in to cover medical bills and legal costs. We often encourage our homeowner clients to also consider umbrella insurance , as this provides additional financial coverage and protection against a wider array of personal injury claims.
- Your temporary living expenses: Should you find yourself forced out of your house due to a covered event, your policy will pay for temporary expenses such as hotel and food.
The amount you pay in premiums is based on the limits you choose, whether or not you opt for a replacement value policy, what discounts you can use, and more.
Insurance Considerations for New Home Buyers
Certain homes can be difficult to find coverage for, such as older homes and homes with higher risks such as pools with diving boards. Some home insurance companies are taking on fewer risks such as foreclosures, as well. When you are looking at your first home, keep your eye on potential issues with the home, the land and the neighborhood. If you’re concerned about your potential insurance costs, we encourage you to call us. We can get free home insurance quotes from several companies to give you a good understanding of what you will face in the future.
Secondary Homes and Investment Properties
Second homes, seasonal homes, vacation homes, rental homes, we have them covered. These homes do not qualify for coverage under your general homeowners policy, but instead require specialized protection to address their unique purpose. We can help you understand the differences in available policies, and can talk to you about additional coverage such as rental property insurance or mobile home insurance.
Contact VGW Insurance for Your Texas Home Insurance Needs
When you want an experienced insurance partner to help you protect your greatest investment, turn to our team at VGW Insurance. We offer dedicated services throughout the life of your policies.
Located in Plano, we serve homeowners throughout the Dallas-Fort Worth area and throughout Texas. Call us at 972-668-1000 or contact our independent agency online today.