4 Times When Having Home Insurance Really Matters

Our Ty Lawrence Insurance Agency team takes pride in helping our clients understand the importance of finding the right policy to suit their needs. This includes protecting your family with adequate property coverage for your Dripping Springs, TX home. Here are four times when having homeowner’s insurance really matters.

#1: When There’s Severe Weather

The Texas weather is notoriously unpredictable. One time when having homeowner’s insurance coverage really matters is during severe storm season. From hail damage to your roof to something much more catastrophic, your policy can help keep out-of-pocket repair costs to a minimum.

#2: When There’s a Fire

You already take steps to protect your family from a fire, such as installing proper smoke detectors. But what about homeowner’s insurance? Even after a small fire, restoration and repair costs can easily add up to thousands of dollars in costs. Thankfully, having proper insurance can keep you from having to pay those costs from your own bank account.

#3: When Your Home Has Been Broken Into

There’s nothing more violating than a break-in at your home. Without proper insurance coverage, you could be responsible for paying for repairs and/or replacing any personal property that was taken.

#4: When You Want to Make Sure Your Family Has a Safe Place to Stay

After a major catastrophe, one of the first things you might wonder is where will your family live? This is where homeowner’s insurance steps in and helps you find a temporary safe place to stay while repairs are being made to your home. Depending on the exact nature of your claim, this can either be a hotel or a rental property.

Do you have questions about your home or auto insurance? Our knowledgeable and friendly team at the Ty Lawrence Insurance Agency would love to help. We proudly serve the Dripping Springs, TX area. Please contact us today to schedule an appointment.

 

Does Auto Insurance Cover Items in the Car?

Auto insurance covers a wide range of things aside from only medical bills and the cost to repair your car. It also covers a range of items within your car, both specific and named, and those items that you may have in your car when you are driving around. For those that live in the Dripping Springs, TX area, the agents with Ty Lawrence Insurance Agency can help you find the policy that protects your car and the things you drive around with.

For the most part, your auto policy is going to lean heavy on the side of insuring things like the car itself and covering the medical bills of those involved in an accident. It does, however, cover some other things too that you may not even realize. If you have car seats inside your car, for instance, your auto policy will help with the cost of replacing those car seats so that any children riding with you have new, accident-free seats. Your auto policy may also cover things like purses and expensive items you are carrying in your car at the time of an accident.

Say for instance you have just been to an expensive shop and you have the items you purchased in the car with you. The car catches on fire and everything is destroyed, your auto policy will help with the cost of replacing some of those items. It is important to note that auto policies have a certain cap of sorts on the price of contents unless you can prove that there was something in the car that was destroyed. This means you cannot simply claim you had a $200,000 watch in the car that was destroyed without some sort of proof.

For those in the Dripping Springs, TX area, the agents with Ty Lawrence Insurance Agency can help you find the policy that fits all your needs.