Your home is likely your most valuable asset, and the center of your daily life. If your home is destroyed or damaged, you will need your claim to be settled by a Frisco home insurance company that comprehends this fact. The Fite Agency will help you find the homeowner’s insurance coverage that will meet your unique needs and provide the best combination of tailored coverage, exceptional service and fair pricing.
Insurance for Any Kind of Home
Whether you rent or own, home insurance Frisco can help protect you if you suffer loss due to theft, fire, vandalism, or other qualified events. Homeowners insurance is also crucial to have if someone is injured while they are on your property, as it can help protect you if you lose a legal battle regarding an injury on your property.
Depending on where you live – an apartment, house, or condominium – having the right home insurance Frisco policy will provide you peace of mind and the money you need to replace or repair your home and/or belongings. Contact us today for home insurance in Frisco TX!
Homeowners insurance policies differ according to which losses are covered, which coverage you pick, and what type of residence you live in. You are able to choose which policy works best for you, whether that be a policy that covers only specified losses associated with your residence, or a comprehensive policy that covers losses such as hail, fire, smoke, falling objects, theft and vandalism of personal property.
The Fite Agency will help you find the right Frisco home insurance policy for your home!
Whether you are a home or condo owner, a landlord or a renter, The Fite Agency will help you find a home insurance policy that fits your unique needs. We specialize in making it simple and hassle-free to choose the insurance coverage that provides you with the best value for your money.
A home insurance policy is often comprised of specific, selected options, so how much you will pay for your chosen policy depends on:
- What you select. Home insurance Frisco options are often priced individually, so how much you will pay for your policy will depend on what coverages you pay for.
- How much you want your policy to cover. Higher deductibles usually will lower your premium price by designating part of the loss payment to you. For instance, if you had a $500 deductible, you would personally be responsible to pay the first $500 of the loss amount.
- Where you choose to set your limits. You may opt to set higher limits than the recommended amount if it is appropriate to your unique situation and needs.
- Are you worried that you aren’t completely covered? Consider selecting an umbrella insurance policy that will extend your coverage.
The Right Coverage. The Right Price. The Right Value
The amount you will pay for home insurance Frisco depends on a variety of factors. This amount will be determined by your personal housing situation and any assets you want to protect.
Protection for Your Home
Property or Dwelling Coverage will typically pay to repair or rebuild your home in the event that it is damaged or destroyed by a qualified event like a windstorm or kitchen fire.
Protection for You and Other People
Personal liability coverage applies if you are to blame when someone receives an injury to their person or their property is damaged. Typically, this coverage applies anywhere in the world.
Your personal liability coverage should be a number that is high enough to fully protect your assets in the event that you are sued. When you choose your liability coverage limits, you should consider things like how much money you typically make and any assets you own.
Medical Coverage
This option covers any medical expenses for guests if they happen to be injured on your property, and in certain cases, this will cover people who are injured while off of your property. This option does not cover healthcare costs for you or any members of your household.
Additional Living Expenses
If you are unable to live in your residence because of a qualified loss, your home insurance policy will pay out additional living expenses — usually for up to 24 months — while the damage is assessed and your residence is rebuilt or repaired.
Protection for Your Belongings
A home is filled with clothes, furniture, electronics and many other items that are useful and valuable to you. Personal Property Insurance will help replace items such as these if they are stolen, lost or destroyed because of a qualified event.
Scheduled Personal Property Coverage
If you have any special possessions including jewelry, antiques, art or collectibles, you may wish to talk to your agent regarding this additional coverage. This option provides broader coverage for items such as these.
If You Rent Out Your Home
It is wise to create an inventory of your residence and personal belongings. If it is possible, also take photos or video – using two different inventory methods can help expedite any claim resolution process. You should keep this list somewhere other than inside your home. Remember that your Frisco home insurance policy does not cover damages caused by negligent or deferred maintenance that you are responsible for.
Landlords might have the option to purchase optional liability coverage for any risks posed by tenant-occupied residences.
Every home is unique – contact us today and learn how you can get the best price and value on your home insurance in Frisco TX with the Fite Agency.
