When the people of Dallas-Ft Worth begin looking online for homeowners insurance, one of the first things searched for is which company has the best rates. Price is one of those things that gets us all looking. Agents included. We are all looking for the best rates on home insurance whether we live in Burleson, Ft Worth, Dallas or McKinney. The problem with the question is that there is no single answer to who has the best rates. It is really a matrix of answers based on some specific criteria.
New Construction
The reality is that a brand new home will have the lowest prices for insurance of any that we look at across the Texas market place. The reason is that new homes just don't have a high probability of stuff breaking to make a claim. Hail is just about it since everything is still new. So all companies are competitive in this market. With that said, some are more competitive than others with their prices. We partner with a couple of specific companies that have plans tailored directly for new homes that you may not have heard of since they don't advertise during the Final Four. If you are interested, let's talk.
Old Homes
So here is a wake up call. If your home is older than 25 years, and you haven't made significant updates to the major systems, no one wants to insure your home. As a result, you need to understand that the price is going to be larger than a home that is three years old. The good news is that we have a couple of major carriers that will gladly take your home, while others won't sniff it. The big, standard companies are going to be much easier to deal with here. Think Travelers, Nationwide, and Encompass. The smaller, more regional carriers won't be interested and price you out. Fortunately, we have access to those companies that will do a great job of taking care of you.
Out Of Town Homes
Texas is a big, wide open place. And we all want to have some acreage somewhere out West. The downside to those places is that they aren't close to fire hydrants and fire departments. So if your home is far from town, insuring it can become expensive. The good news is that Insurance for Texans has access to a personal farm and ranch policy that will take care of you out there. They specialize in insuring the unique risks that come with those acres in Big Sky country. So east up all the puffy clouds knowing that we can cover that.
High Value Homes
Needs and wants change when you move towards a home that is worth a million dollars or more. The reality is that some home insurance companies just don't know how to protect them well while also providing the level of service that comes with that price point. Companies like Chubb, AIG, and Nationwide Private Client just operate differently than other major market names. They recognize that those homes come with very unique needs and cater to those. Insurance For Texans works with those companies so that you can have the best experience possible.
Weird Homes
Weird probably isn't the right word. But if your home does not fit the standard boxes, finding coverage can become more difficult. Things that fit here are diving boards on swimming pools, ostriches on property, odd roof materials, or running a business on your property. Many companies will frown upon insuring any of those items or at least surcharging for them. Working with specialized companies can make all the difference in the world to you when it comes time to pay the bill or make a claim. Insurance For Texans has companies that will insure those home with ease, even though you may not have heard of them.
How Do I Know Which One To Use?
This question is where working with an independent insurance agent like us can make a world of difference. Since we work with a myriad of carriers and are not stuck with a single solution to insuring your home, our agents can find you the right coverage at the best price. We work with you to make sure that what is likely your largest investment is protected properly. Because we all know that come claim time, that is when you will appreciate us the most! Speak with one of our agents today to make sure that your home is properly insured.
