Archive for the ‘Home Insurance’ Category

Homeowners Insurance Tomball Texas

Looking for Homeowners Insurance in Tomball Texas? Well, Hometown Insurance Partners would like to be your insurance provider! We offer the best coverage, at the lowest prices. We work with a multitude of insurance carriers, and we create custom packages that suite your needs. We don’t try to tack on hidden fees or keep anything in the dark. We are just here to make sure you get what’s best for you. We have over 20 years of experience in the insurance business, and we know what to look for when shopping around. The carriers we represent all have five star ratings, and are the best in the business. Give us a call at 281-419-2886 and let us take care of your homeowners insurance needs.

Homeowners Insurance Tomball Texas

 

Homeowners Insurance Conroe Texas

If you are looking for Homeowners Insurance in Conroe Texas, then look no further than Hometown Insurance Partners. We are an independent agency with over 20 years of experience, so we know how to get you the best rates with the best coverage. With many new homes being built in Conroe Texas, and with the economy looking prosperous, now is a better time than ever to reevaluate your policy. We can evaluate your current policy over the phone, by fax, by email, or in person. You can simply send us the information on your current policy, and we will give you a quote right away, and since we represent many different insurance providers, we shop the rates for you!

Homeowners Insurance Conroe Texas

 

Mercury Insurance Group

Mercury Insurance Group is one of several insurance providers represented by Hometown Insurance Partners. They pride themselves on being able to offer competitive rates along with excellent customer service. They have been protecting families for over 45 years and they understand the importance of having an insurance agent who will take the time to understand your needs, so that you are given a policy that best fits your needs.

Mercury understands that accidents can occur even with the safest of drivers. Therefore, Mercury offers many different levels of auto insurance coverage in The Woodlands, TX. This includes liability coverage, coverage for collision, comprehensive coverage, coverage for medical bills that were a result of the accident, personal injury protection, and coverage against uninsured motorists.

There are many discounts available for individuals seeking auto insurance with Mercury. Many insurance companies may not be so eager to volunteer information pertaining to discounts, but the agents at Mercury won’t hesitate to do so. Your agent will work hard to pinpoint any discounts that you qualify for. Some of the most common factors that lead to discounts include: adding multiple vehicles to the insurance policy, having a satisfactory driving record, and making good grades.

Mercury also provides a wide variety of home insurance policies. If you are looking for homeowners insurance, it is important to have a dedicated insurance agent on your side, who will provide you with valuable information that will help you choose the policy that is right for your specific situation. With so many options and add-ons to choose from, it is easy to become overwhelmed, but an experienced Mercury insurance agent will happily assist you throughout the process. Mercury Insurance group also offers a discount to individuals who sign up for both an auto and home insurance policy.

The available home insurance coverage options include but are not limited to: medical protection for guests who are injured at your home, coverage for damage done to your home by storms and fire, and coverage for items in the home lost due to theft.

Hometown Insurance Partners is an independent insurance agency that represents insurance carriers like Mercury Insurance Group who have been carefully selected for their ability to provide top notch insurance coverage, great customer service, and affordable rates.

 

Major Companies Raising Home Insurance Rates

Two of the major insurance providers in America are raising their home insurance rates 20-50%. Rate increases or decreases are based on how well the company is able to manage losses and expenses. A company with higher losses or expenses may be required to increase rates, while a company with lower losses or expenses may be able to lower their rates. So, while your lack of claims may contribute to the company’s bottom line, it is the company’s entire line of business that will determine whether rates go up or down.

Most states require insurance rates to be approved by a state insurance regulator. While this varies by state, companies are not allowed to charge rates that generate excessive profits. Your state insurance regulator determines what a company is allowed to make as profit, and will adjust their rates accordingly.

Companies use inspections to ensure customers are properly insured and charged what they deem to be a fair premium. Inspections can uncover valuable credits, incorrect coverage values, or liability exposures that you may have been unaware of. You have the right to question any change to your policy as the result of an inspection and have your insurance provider explain it to you fully.

If your insurance rates have dramatically increased over the years, it may be time for a change. Many people have been with the same insurance provider for over 15 years, thinking they’re getting the best rate and the best coverage, only to discover the policy they’ve been paying on for $4,000 per year can actually be reduced to to under $2000 a year, with no reduction in benefits. Keep in mind that the best insurance is valued by the customer service you will receive, especially when you have a claim, and not who has the cheapest rate. In the unfortunate event you have a claim, you want the company with a great reputation for customer service and fairness. Additionally, meet with your agent to be sure you are getting all the discounts you are entitled to, that you understand what your policy covers, and to make sure you are adequately insured.

 

Woodlands Insurance Services

Hometown Insurance Partners has been in the insurance business, by owner Troy Johnson, for the past 24 years, and because Troy Johnson knows all the ins and outs of the business, he can find the “right fit” for anyone. Some shoppers may just want the lowest rate possible with little concern about the type of coverage offered. This is where Troy Johnson steps in. He knows that someone may be paying less for their Woodlands insurance services but may end up finding the type of coverage they were expecting, is not there when they need it most. Hometown Insurance Partners is connected to many different insurance providers, which allows Troy the freedom to find the best rate with the best coverage (what we call a “right fit”) for each and every person.

Different avenues of life call for different types of coverage, at different times. When a teenager just begins to drive, we all know that the rate is much higher as compared to a seasoned adult. On the opposite side of the coin, life insurance may not be a high priority for a teenager, but will be for a senior. The same insurance policy that began as a young adult will need to be reviewed and adjusted as an adult. When there was once just one person, there may now be a spouse, with children. When different modes of life happen, Hometown Insurance Partners will be there to see that the insurance is the “right fit”.

 

Are You Fully Covered?

Everyone has a unique set of needs when it comes to homeowners insurances. Finding a policy that meets your coverage and price demands can be challenging. By learning to compare policies based on factors such as cost, legal restrictions, and the company’s ability to address your coverage concerns, sorting through the many different policies and selecting the perfect one for you can be made a little easier.

It is important to understand all the things home insurance can protect against. The most overlooked and unknown aspect of home insurance is personal liability coverage. Personal liability covers you legally in case someone is injured while on your property. This coverage pays for medical expenses for people who are accidentally injured on your property. For example, if a neighbor’s child is injured while playing in your home, the medical payments portion of your home insurance policy will pay for necessary medical expenses. This type of coverage also prevents lawsuits from scenarios like your dog biting someone, or the mailman slipping on a wet driveway. However, this insurance will only cover the cost of medical bills of people who are injured that are not in your immediate family.

Another type of coverage that is often overlooked is flood insurance. An insurance company does not typically provide it unless you purchase a premium policy. Insuring your home against flood damage is especially important if it is located on a flood plain.

Decide on how much coverage you desire or need for your home. Many people will pay more on home insurance than their home is actually worth over a period of time. In the event that your home is old or of low value, it is often advisable to consider a limited insurance policy that protects you from high-cost risks that you can’t control which aren’t directly related to the value of the home. Some examples might include your personal possessions inside the home, personal liability, and fire caused by lightning.

Because of the variety of different types of insurance policies, it is becoming increasingly important to understand the ins and outs of home insurance. You may be unknowingly paying to have things included in your policy that you don’t necessarily need, while leaving out some of the things you do. So before you purchase or modify your plan, do your research.