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.

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!

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.

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.