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Midlothian, TX 76065

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Amy Tounget Insurance Agency, LLC Blog

Termites and Home Damage: Will Insurance Help?

Our team at Amy Tounget Insurance Agency LLC can provide Midlothian, TX residents with the home insurance policies they need to keep their homes safe. If you’ve been attacked by termites, you probably want to know if our policies will help. Here’s what you need to know.

Why Your Policy Doesn’t Cover Termite Damage 

Unfortunately, your home insurance policy won’t cover most types of termite-triggered damage. There’s a reason for that: this type of problem can be easily prevented by regular home maintenance, such as sealing up entry routes for termites and applying various chemical treatments. 

As a result, your insurance company won’t cover the kind of severe and widespread damage that termites can cause to a home. That’s very frustrating, but there are a few exceptions to this rule. Read on to learn more about a few times when your policy will help you. 

What It Might Help You Pay

What happens if termites cause other types of serious damage? For example, if your termites chew through wires or somehow damage pipes and cause fires or floods, are you covered? Yes! That’s because fires and floods are covered by your insurance policy as long as you didn’t cause them. 

By that, we mean incidents like termites that trigger fires are pretty much freak accidents and couldn’t have been prevented with standard maintenance. As a result, it’s important to stay in touch with your provider to learn more about what they can do to help you in this weird scenario.

Have Questions? Consult With Us

At Amy Tounget Insurance Agency LLC, we can help Midlothian, TX area residents understand their insurance coverage and help you pay for various types of damage. Call us today to learn more about your options, and we’ll do whatever we can to ensure you get the proper coverage.

Does Home Insurance Cover Damage From Leaky Pipes?

Amy Tounget Insurance Agency LLC is committed to providing Insurance products and services to the residents of Midlothian, TX. Having home insurance can protect you from various risks which can cause losses. Get the right coverage to help give you peace of mind and protect your investment.

Home Insurance Protection 

Home insurance can offer solid protection when your home faces risks. However, home insurance doesn’t cover issues that can be prevented by regular maintenance on the homeowner’s part. For example, if your pipes are leaky and damage the home, then your home insurance will likely not cover the damage.

If you want to learn more about the home insurance coverage available to you in the area, you can count on our team of insurance professionals to provide answers and solutions. Our mission is to help customers get the best protection against risks to their homes and property. We can analyze your current and potential future needs and match you with insurance policies that meet those needs.

Additionally, we also provide service during the policy shopping process and after the sale. If you have a claim at any point during the policy’s lifetime, we’re there to support you. Find out how easy it is to get the right Insurance protection to give you peace of mind.

Reach Out Today 

If you live in and around the Midlothian, TX area, we encourage you to reach out to Amy Tounget Insurance Agency LLC. Please feel free to call or stop by our office to speak with one of our knowledgeable insurance agents. 

We can provide you with assistance before, during, and after your insurance selection and strive to maintain a solid relationship with customers for the long term. Don’t guess when it comes to obtaining insurance for your home. Get the confidence to know you are secure with reliable insurance in place.

How Does Identity Theft Impact Home Insurance?

Today’s nightmare is identity theft. Hackers get into computers to steal personal information. The first we learn of it is when we discover three mortgages have been taken out on our houses. Luckily for us, identity theft insurance can be added to our homeowners’ policies for extra consideration. Here’s how Amy Tounget Insurance Agency LLC in Midlothian, TX sees it.

What Identity Theft Insurance Can Do

Identity theft insurance won’t recover your lost cash, but it will help with reversing the fraud, fixing your credit score, and securing your accounts. Other things include:

    • Lost wages from work as you work on the theft

    • Copies of all three credit reports

    • Lawyer fees

    • Financial institution fees

Some savvy insurance companies already have identity theft built into their policies, so check first.

Is Credit Monitoring Included in Identity Theft Insurance?

Many insurance companies offer some level of credit monitoring while others leave it to credit monitoring “services.” If the company carries it, all three credit bureaux will be monitored, with alerts to the insured of the smallest change in the reports. 

Why Is Identity Theft Insurance Attached To Homeowners’ Policies?

Institutions loaning money on mortgages want it repaid. When they give “you” money for a house in Denver or a vacation cottage in Palm Beach, they want that repaid as well. If they hear you calling to tell them that you don’t have a vacation cottage or another house in Denver, then they swing into action to set things right.

Reach Out To Us

Identity theft insurance is written into homeowners’ policies to protect both the homeowner and financial folks. Everyone wants their identity restored so things can go back to normal. Amy Tounget Insurance Agency LLC in Midlothian, TX wants this for you, so drop into the office or call to discuss this necessary insurance.

Does My Home Insurance Policy Cover Wind Storms?

Living in Midlothian, TX means being prepared for the occasional wind storm. The best way to protect yourself and your home from damage caused by windstorms is to ensure you have the right insurance coverage. Knowing what your home insurance policy covers—and what it doesn’t—is essential to keeping your family safe and secure during a storm.

Windstorm Coverage Basics 

Most standard homeowner’s insurance policies will provide coverage for windstorm-related damage, including damages caused by hail, wind, and rain. However, this coverage may be limited or excluded depending on your policy type. That’s why it’s essential to read and understand your policy to know what it covers.                               

What About Damage Caused By Tornadoes and Hurricanes? 

Tornadoes and hurricanes can cause severe damage, so it’s essential to understand what kind of protection you have when these powerful storms strike. Most standard homeowners’ policies do not include coverage for tornadoes or hurricanes.

To receive this protection, you may need to purchase a special endorsement or add-on from your insurance company that specifically covers these storms. Keep in mind that these endorsements can be expensive, so be sure to shop around before deciding on a policy that meets your needs.                  

Contact Amy Tounget Insurance Agency LLC for Home Coverage

Windstorms can cause extensive damage if not adequately protected against the right insurance coverage. Fortunately, at Amy Tounget Insurance Agency LLC, we offer comprehensive home insurance policies tailored for residents in Midlothian, TX that include all the coverages for protecting your home from potential wind storm damages. Contact us today to learn more about our windstorm coverages and how we can help keep you safe during even the strongest storms!

Things You Need to Know When Choosing Home Insurance Coverage

Your home is likely your most valuable asset, so it’s important to protect it with the right insurance coverage. Our experienced insurance agents at Amy Tounget Insurance Agency LLC in Midlothian, TX, can help you choose the right home insurance coverage for your needs and budget. But what do you need to know when choosing home insurance coverage?

Here are a few things to keep in mind:

The Value of Your Home

Your home insurance policy should cover the replacement cost of your home minus any depreciation. To determine the replacement cost of your home, an insurance company will consider the size, type, and age of your home and the cost of materials and labor in your area.

The Contents of Your Home

Your home insurance policy will also cover the contents of your home up to a certain limit. This includes furniture, clothing, electronics, and other personal belongings. If you have high-value items such as jewelry or art, you may need additional coverage to insure them for their full value.

Types of Coverage

There are different types of home insurance coverage, and the one you choose will depend on your needs. For example, if you live in an area prone to hurricanes, you may want to purchase windstorm insurance. Or, if you have a home office, you may need to purchase business equipment coverage.

Discounts

Many insurers offer discounts on home insurance premiums, so be sure to ask about them. For example, you may get a discount if you have a security system or your home is newly constructed.

Contact Us Today

If you need help choosing home insurance coverage, our experienced insurance agents at Amy Tounget Insurance Agency LLC in Midlothian, TX, are here to assist you. Call us for help finding the right policy for your needs and budget.

Does Your Home Insurance Cover Your Home Gym?

Like many people, you’re considering a home gym to skip the trip to the fitness center. But before you do, it’s essential to consider whether your home insurance will cover it. Most home insurance policies cover exercise equipment, but some limits exist.

Here’s what you need to know about insuring your home gym:

What Are the Limits?

Your home insurance policy likely covers your exercise equipment. However, there may be some limits. For example, if you have an expensive piece of equipment, your policy may have a dollar limit on coverage. Your Amy Tounget Insurance Agency LLC agent can explain any limitations on your policy and help you decide if additional coverage is necessary to protect your belongings in Midlothian, TX.

What Type of Claims Are Covered?

It’s also important to note that home insurance typically only covers damage caused by something unexpected, like a fire or severe weather. So, if you damage your equipment while using it, your home insurance likely won’t cover the repair or replacement costs. But if a windstorm blows a tree through your window and damages your treadmill, your home insurance may cover the cost to repair or replace the equipment.

Does Depreciation Play a Role?

Another thing to remember is that home insurance policies typically reimburse you for the actual value of your damaged property, not the replacement cost. So, if you have an older piece of equipment, your home insurance policy may only cover a fraction of the price you paid initially.

Give Us A Call

Before setting up a home gym, check with Amy Tounget Insurance Agency LLC in Midlothian, TX to see if your home insurance policy will cover it. We’ll be happy to answer any of your questions and help you get the coverage you need.

5 Things You Didn’t Know About Home Insurance

Home insurance is one of those things that most of us have, but few of us really understand. We know we need it to protect our homes, but beyond that, there is a lot about home insurance that remains a mystery. Amy Tounget Insurance Agency LLC in Midlothian, TX provides you with the following guide. 

Here are five things you may not have known about your home insurance policy:

1. It Does Not Cover Flooding 

Despite floods being one of the most common natural disasters in the United States, most home insurance policies do not cover flood damage. But that does not mean you should not be prepared. You can purchase flood coverage as a separate policy or as an endorsement to your existing home insurance policy.

2. It Covers More Than Just the Structure of Your Home

While many people think of home insurance as only covering the physical structure of their home, it actually covers much more. Most policies also cover your personal belongings and any damage that may occur to other structures on your property, such as a shed or fence.

3. You May Need Extra Coverage for Certain Items

While home insurance covers a lot, there are some items that may require additional coverage. For example, if you have valuable jewelry or art, you will likely need to purchase a rider to your policy to have them fully covered.

4. Installing Certain Home Safety Features Can Help

Most insurance companies offer discounts for homes that have certain safety features, such as burglar alarms and fire sprinklers. So, if you are looking to save money on your home insurance premium, installing some extra safety features may be a good idea.

5. It’s Important to Review Your Policy Regularly

Your needs can change over time, and as such, it is important to regularly review your home insurance policy. Ensure that you are still getting the coverage you need and that any additions or changes to your home are reflected in your policy.

If you’re looking for comprehensive home insurance in Midlothian, TX, Amy Tounget Insurance Agency LLC can help. We can work with you to find a policy that meets your needs and gives you the coverage you need. Contact us today to get started.

Home Insurance Myths That Could Damage Your Policy

Amy Tounget Insurance Agency LLC serves the Midlothian, TX community. We are an independent insurance agency. We work closely with multiple carriers throughout the South. This allows us to offer our clients flexible policies designed to meet their needs in any situation. We promise to serve you with honesty and integrity.

Home Insurance Myths That Could Damage Your Policy

Owning a home is a significant achievement. Your Midlothian, TX property is one of your most prized possessions. Home insurance helps protect your valuable asset. You are covered if the interior or exterior of your home is damaged. Home insurance covers the repairs. The policy also covers all of your personal items inside the home. Liability coverage protects you if a guest comes over and they suffer an accidental injury on your property. As you review your policy, watch out for these common home insurance myths.

Flood Damage Is Covered

As a Texas resident, you are aware that severe weather can move into the area. Severe weather often leaves flooding in the aftermath. Home insurance does not cover any property damage that occurs due to a flood. You will need to add a separate policy.

Termite Damage Is Covered

You have to perform regular maintenance on your home. If your property is damaged by termites or mice, that is a sign that you aren’t taking care of your property. Home insurance won’t cover the damage.

Liability Coverage Protects My Injuries

That is incorrect. Liability coverage protects you if a guest is injured on your property. You are not covered if you are injured at home.

Adding Extra Coverage Isn’t Necessary

It’s a good idea to add extra coverage. You can add alternative living coverage, which covers your housing at another place while your home is repaired.

Amy Tounget Insurance Agency LLC Will Help You Protect Your Assets

Visit our website to learn more information about home insurance.

Four Tips for Preventing a House Fire

Did you know that a house catches fire almost every 90 seconds? Did you also know that it only takes two minutes for a fire to become life-threatening? Because house fires can be so dangerous in such a short period of time, our team at Amy Tounget Insurance Agency LLC wants to share some home fire prevention tips with Midlothian, TX homeowners.

Trim Surrounding Vegetation

While there is no way to simply prevent wildfires by yourself, you can reduce the risk of damage to your home by trimming any vegetation around the outside of the home. For example, if you have any trees and shrubs that are growing near the house, make sure to trim them back. Ideally, you should try to keep wild vegetation 100 feet away from the house whenever possible.

Don’t Leave Flames Unattended

One of the main causes of home fires is cooking. Therefore, when cooking, it is imperative that you don’t go too far from the stovetop when it is in use. Children should never be left in the kitchen unsupervised, especially if a stove is in use.

Fireplaces, heaters, and other sources of heat also pose certain fire risks. It is important that dishcloths, aprons, paper towels, cardboard, and any other flammable materials are kept far away from heat sources to minimize the risk of a house fire.

Use Grills with Care

Heat, embers, and ashes from outdoor grills can easily cause wood to spark and ignite. It is a good idea that outdoor grills be kept a minimum of 10 feet away from the home. In addition, you should never leave lighter fluid, charcoal, or anything flammable near the grill while it is in use. When done barbecuing, use water to put the hot coal or wood out to prevent it from continuing to burn.

There are many steps that can be taken to help prevent a house fire, including the tips mentioned above. In the event that a house fire does occur unexpectedly, you will want to ensure that your Midlothian, TX home is properly insured. Contact the team at Amy Tounget Insurance Agency LLC to learn more about the home insurance options we offer.

Home Insurance Exclusions

If you are a homeowner in Midlothian, TX, you understand the importance of having home insurance. It’s an investment that protects your home and its contents from unexpected events like theft, hail, fire, and many other perils. Besides, home insurance provides liability protection and covers loss of use.

Unfortunately, home insurance does not cover every mishap that occurs in your home. To that end, you must understand what home insurance does not cover to avoid disappointments when filing a claim. At Amy Tounget Insurance Agency LLC, we’ve prepared for you what your home insurance does not cover. Be sure to read through the article to understand your home insurance exclusions.

Floods

A standard home insurance policy does not cover damage caused by overland flooding. If you live in an area prone to floods, make sure you have a separate flood insurance policy to protect you against floods.

Damage by sewer backups

Water damage from a sewer backup may occur due to old sewer systems, growing tree roots, sanitary blockages, and so forth. Unfortunately, typical home insurance does not cover these damages. As such, you may have to buy an endorsement to cover water damage from sewer backups.

Damage due to neglect 

Damage that arises from poor home maintenance, like uncontrolled mold or pest infestation, is not covered by your standard home insurance policy. In light of this, keep your home well maintained to avoid incurring out-of-pocket repairs.

Earth movement

Typical home insurance does not cover cases like earthquakes, sinkholes, and landslides. But the good news is that you can purchase a separate policy that covers such types of events. 

Home insurance in Midlothian, TX

Before assuming that your home insurance covers you against every peril, be sure to scrutinize your policy limits and exclusions. It’s also wise to talk to your agent if you are unsure whether a specific loss or damage is included in your policy. Ready for your home insurance? Talk to us at Amy Tounget Insurance Agency LLC for an affordable quote.

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