It's important you find an insurance agent that helps you understand your insurance quote and policy. We understand your home is probably your biggest investment, so when it comes to insurance we'll make sure your home is covered in case a loss occurs. Homeowners insurance not only protects your home, but covers your personal property, other structures, loss of use, and personal liability. We can also add valued jewelry to your insurance policy.
If you're a renter, we have insurance for you as well. Whether you have $5,000 in personal property or $200,000 in personal property, it's important that you insure your personal belongs. Did you know you can get a renters insurance policy for as low as $11 per month?
Do you rent properties to others? We did not forget about you. Contact us today for an insurance quote.
If you're a renter, we have insurance for you as well. Whether you have $5,000 in personal property or $200,000 in personal property, it's important that you insure your personal belongs. Did you know you can get a renters insurance policy for as low as $11 per month?
Do you rent properties to others? We did not forget about you. Contact us today for an insurance quote.
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How Much Insurance is Enough.......
The cost to rebuild your home is its replacement value. This can be very different from the estimated market value or actual purchase price. In most cases, it costs more to rebuild the home you own than to buy a new one. This is an important insight into why your Dwelling (Coverage A) limit is so important. Things you should consider when you purchase homeowners insurance: Determine the amount and type of insurance that you need. The coverage limit of your house should equal 100% of its replacement cost. If your policy limit is less than 80% of the replacement cost of your home, any payment from your insurance company will be less than the full cost to replace your home -- you'll have to pay the rest out of your own pocket. Also, decide if the personal property and personal liability limits are adequate for your needs. |
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Determine which, if any, additional endorsements you want to add to your policy. For example, do you want the identity theft endorsement, fine arts endorsement or a jewelry endorsement?
Once you have decided on the coverage you want in your homeowners insurance policy, consult us. We will be able to help you determine if there are any gaps in coverage you might not have been aware of, explain the details of the policy's exclusions and limitations as well as recommend an insurance company that will live up to your expectations.
It is critical that you provide us with accurate, updated information about your home and contents. If your dwelling limit accurately reflects your home's true replacement cost, some companies will pay more than the limit if a covered loss is greater than the limit on your policy. Ask us if Home Replacement Guarantee or Extended Dwelling Coverage, is available in your state.
Once you have decided on the coverage you want in your homeowners insurance policy, consult us. We will be able to help you determine if there are any gaps in coverage you might not have been aware of, explain the details of the policy's exclusions and limitations as well as recommend an insurance company that will live up to your expectations.
It is critical that you provide us with accurate, updated information about your home and contents. If your dwelling limit accurately reflects your home's true replacement cost, some companies will pay more than the limit if a covered loss is greater than the limit on your policy. Ask us if Home Replacement Guarantee or Extended Dwelling Coverage, is available in your state.
Prepare an inventory of personal property items, update it periodically, and keep it in a safe place outside your home, such as a safe deposit box at your bank. It will save you hours of time trying to list everything damaged or destroyed if you need to make a claim. It will also help ensure you don't forget some items. We can advise you on ways to simplify the job of preparing a personal property inventory such as videotaping each room with descriptive information on the sound track.
It's also a good idea to reexamine your coverages and limits from time to time, especially whenever you make additions or improvements. If you have any questions, please feel free to contact us. We are here to help you protect your assets.
It's also a good idea to reexamine your coverages and limits from time to time, especially whenever you make additions or improvements. If you have any questions, please feel free to contact us. We are here to help you protect your assets.
Website Disclaimer
Please note that completion of the following request for information does not constitute the purchase of insurance. No coverage may be added, changed or bound as a result of submitting this request for information or quotation of insurance. All coverage must be confirmed by the agency in writing subject to an acceptable signed application meeting the underwriting guidelines of the Insurance Company. Strive Insurance Group, Inc is licensed in the state of Texas, Missouri, and California. No solicitation of insurance is being made outside these states. Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors.
Please note that completion of the following request for information does not constitute the purchase of insurance. No coverage may be added, changed or bound as a result of submitting this request for information or quotation of insurance. All coverage must be confirmed by the agency in writing subject to an acceptable signed application meeting the underwriting guidelines of the Insurance Company. Strive Insurance Group, Inc is licensed in the state of Texas, Missouri, and California. No solicitation of insurance is being made outside these states. Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors.