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Midlothian, TX 76065

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Amy Tounget Insurance Agency, LLC Blog

Unveiling the Top Myths and Misconceptions About Home Insurance

At Amy Tounget Insurance Agency LLC, we strive to provide our clients with the right home insurance policy for their needs. With that being said, it’s common for there to be several myths and misconceptions regarding homeowner’s insurance. Whether you’re a first-time owner or you’ve been buying and selling properties for years, it’s imperative to have the right information. Here are some common myths debunked.

Homeowner’s Insurance Isn’t Necessary

You aren’t required to have home insurance unless you have a mortgage with a lender. However, if you forgo home insurance, it could end up being a mistake. For example, if your home is damaged or destroyed by a fire, natural disaster, or other unexpected event, you would be left to bear the full financial burden of repairing or rebuilding your property. 

Flood Insurance Is Part Of A Home Insurance Policy

It’s common to think flooding is part of your home insurance policy. However, that isn’t the case. It is a separate type of coverage that needs to be purchased separately. Floods are not typically covered under standard homeowner’s insurance policies. Flood insurance can help protect your home and belongings in the event of a flood, which can cause extensive damage.

The Same Policy Works For Everyone

Every home has several factors that affect how your policy should be designed. These include the condition, age, location of your home, and the value of your belongings. Therefore, there is no one-size-fits-all policy that works for everyone.

Learn More About Home Insurance in Midlothian, TX

Ready to get started with a home insurance policy? You can call Amy Tounget Insurance Agency LLC to talk to one of our experts in Midlothian, TX.


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