Home Insurance and Central Air Conditioning

If you live in Austin, TX, you know that the summers are hot. What you may not know is that most home insurance policies don’t cover air conditioner repair or replacement. This is a problem, but what can you do? How can you protect your air conditioner? Here are a few ways to ensure you stay cool in the summer months: 

  • Purchase equipment breakdown and/or major appliance insurance coverage.  With these policies, your air conditioner, refrigerator, and other major appliances will be covered in a variety of situations. During the fiercest storms and the warmest days, you’ll rest easy knowing your home will remain cool. 
  • Schedule annual or semi-annual air conditioning inspections. For a few hundred dollars, you can have a trained professional come out and check on the health of your air conditioning unit. You may not need to do this every year, but it’s a good idea to schedule an inspection at least once every few years. It’s much cheaper to replace parts than it is to buy an entire new appliance. 
  • Remove debris and clean your air conditioning unit. Oftentimes, your air conditioner may not work properly because it’s obstructed by debris. If you’re handy, you can do this yourself. If you’re not, it’s not hard to find someone you can pay to clean it for you. Within a few minutes, you can remove all of the filth and extend the life of your AC. 

If you live in or around Austin, TX, contact Ty Lawrence Insurance Agency at 512-732-2353. They can answer any questions you may have, and they’ll explain what you can do to protect your air conditioner. Don’t wait for the summer heat to arrive, act now. 

Why You Should Increase Your Auto Insurance Deductible

Increasing your auto insurance deductible in Austin, TX may not seem like the smartest idea on the surface but it can have a big benefit that you can enjoy every month. According to Ty Lawrence Insurance Agency, you can save a significant amount on your monthly premium payment by simply increasing your deductible. This can make a big difference to your monthly budget every month.

How Much Can You Save?

Everyone wants to save money where they can but knowing how much you can save can make all the difference in making a change like this. Your deductible is something that you pay out of pocket if you have a claim. This is the amount you will pay before the insurance company will pay anything towards your claim. You may not ever have to pay a deductible and if this turns out to be true, then you are paying more for no reason. If you increase your deductible from $250 to $500, then you can save up to 7 percent. You can save up to 9 percent by increasing your deductible from $500 to $1,000. If you increase it from $500 to $2,000, you can save up to 16 percent. If paying this deductible is something that scares you, you can always put those monthly savings somewhere where you can use them if you ever need to. Once you have this saved away, you will likely end up saving more for your budget than if you were to continue paying more each month for a lower deductible.

This can make a huge difference for your family and if you would like to see how much you can save, Ty Lawrence Insurance Agency, serving Austin, TX, can help by running you some quotes with different deductibles. Contact them today to find out more.