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.

 

What Home Insurance May Not Cover

When it comes to buying home insurance, you feel a sense of calm in knowing your home and the possessions in your home are safe. Especially if you have a great amount of coverage, you just know your home and possessions are covered no matter what. However, there may be some natural disasters and other situations that may not be covered in your homeowner’s policy. Thus, it will behoove you to make sure you are covered at every angle. And if you live in Texas, you may be surprised that natural incidences, like windstorms and hail, may not be covered in your policy. 

Things that Home Insurance May Not Cover

Whether you live in Austin, TX or another area in Texas,  insurance regulations, which are subject to change sometimes, are governed by the state.  Having said this, it is crucial to contact very reliable, trustworthy, and experienced insurance professionals, and Ty Lawrence Insurance Agency is the one to turn to.  

Every homeowner policy is not rated the same. Some may have extra coverage; however, it still may not adequately cover all that is needed: The following includes some surprising things that are not covered by home insurance: 

  • Floods

Flood damage is not covered by standard homeowners insurance. For insurance purposes, a flood is defined as water that enters the home from outside at ground level

  • Wind Damage- in some cases, additional coverage may be required for wind damage especially in areas with high risk of tornadoes or hurricanes. 
  • Expensive Personal Property
  • Prescription medicine
  • Wear and Tear
  • Family Pets
  • Home Businesses
  • Injuries of Family Members
  • Preventative Maintenance- this is when/if the incident is deemed to be prevented by maintenance. 

Conclusion

Many homeowners don’t know that incidents, such as windstorms, hail, and floods, are not usually covered in their homeowners’ policies.  Contact Ty Lawrence Insurance Agency today. Located in Austin, TX, they have been serving central Texas for over 20 years now, so they know the ins and outs in regards to homeowners’ coverage and more.  

 

 

 

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. 

Food Counts: Covering the Cost of Replacing Food After a Power Outage

Homeowner’s and renter’s insurance may cover the cost of replacing food after a power outage that was long enough to bring the safety of the food into question. It can be financially devastating for some families to do their shopping for the month, get everything put away, and then find the power has gone off. The good news is that your home insurance, such as that from the Ty Lawrence Insurance Agency, serving Austin, TX, might actually reimburse you for the loss of your food.

Fault and Time

Keeping the freezer and refrigerator doors closed to preserve cold temperatures inside those appliances works for only so long. As you open the door to retrieve food, the cold air escapes. This gradually raises the temperature inside the appliance. After enough time, the food inside is surrounded by unsafe temperatures.

Reimbursement often relies on your behavior and how long the power was out. If the power outage was for a short time only, you might not receive reimbursement because, for example, food can survive a half-hour outage if you just keep the appliance doors closed.

If the power went out, you kept the appliance doors closed as much as possible, but the outage lasted for days, you might be able to get reimbursed for the loss. If the power went out for a couple of hours and you kept opening the appliance doors, the loss of the food would likely be seen as your fault because you didn’t try to preserve the cold air.

Contact your insurance agent now, or call the Ty Lawrence Insurance Agency, serving Austin, TX, to expand your insurance coverage. Power outages can hit anywhere and at any time, and it’s worth having the extra coverage.

4 Tips for Filing an Insurance Claim After a Break In

Theft at your home can be devastating. Not only has your sense of security been compromised, but the loss of your valuables can make it difficult to feel at home again. Ty Lawrence Insurance Agency offers the following tips that are designed to help Austin, TX homeowners navigate this difficult time. 

1. Take inventory

While it might be evident that your home was broken into, what might not be immediately apparent is the extent of your loss. Carefully go through your entire home and make a list of any items that are missing or damaged. 

2. Contact law enforcement

Filing a police report of the burglary as well as any damage incurred is the next step of filing an insurance claim. That police report is a document that your insurance company needs to see. It needs to be added to your insurance claim file. 

3. Call your insurance company

While you might be shaken after a burglary and not ready to deal with the incident, you need to contact your insurance company as soon as possible afterward. Not only does doing so mean that you are compensated for your losses sooner, but there is often a time limit on the claims that an insurance company will pay. 

4. Document the damage

You’ve heard the saying that a picture is worth a thousand words, and it is particularly true in this case. Be sure to document the damage the occurred as the result of the break in. Both pictures of individual areas of damage as well as a walk-through of your home provide valuable evidence to back up your claim. 

Need help sorting through a burglary at your Austin, TX home? Contact Ty Lawrence Insurance Agency for guidance today!

How Home Insurance Keeps Austin Homes Beautiful

A fresh coat of paint or a new door can do wonders for a house. When love and care is put into a building, it tends to reflect the quality of the people within it. It also reflects the value of the neighborhood its in. When you see the homes in Austin, TX, there are a lot of similarities about the owners who keep their homes in excellent shape. Home insurance is a big part of keeping the houses beautiful, and Ty Lawrence Insurance Agency wants you to know more about why. 

More Repairs, More Beauty 

The more repairs people do, the more beautiful a home tends to look. Home insurance gets windows fixed right away after a storm, instead of forcing people to put up cardboard or some other temporary barrier. It means that siding will be made whole again, instead of threatening the structural stability of the house. It also means that people who pass you by won’t think that your house is falling apart. No matter how much a policy costs, you should always remind yourself that the repairs over time could be a lot more. An investment in your policy is an investment in the overall beauty (and resale value) of your home.

How Ty Lawrence Insurance Agency Helps

Our agency works by giving you someone to call when you’re in need, so you can start taking action fast. Regardless of your current policy, we invite you to learn more about our services if you live in Austin, TX. It’s our pleasure to work with those who may need better coverage or those who are just shopping around for rates. Call us today to see how we can help you keep your home as beautiful as it can be. 

When Should You Update Your Home Insurance?

You don’t have to update your policy every month, 6 months or even every year, but you should be keeping track of what’s going on in your property on a daily basis to know when exactly you should update. If you’ve live in your home in Austin, TX for a while, then Ty Lawrence Insurance Agency wants to ensure that you stay protected both now and in the future. 

Changes and Times 

One of the nicest things about owning a home is the chance to improve upon the structure. You’re there to breathe life into the house, not to dismantle it. Home insurance can be a part of that, but only if you’re able to ensure the policy reflects what you do within it. Say you put in a new garage, shower or countertop. The costs of the renovation will increase the value of your home, and you want to ensure that your insurance company knows about it all. This way, it’s covered should something go wrong. It also means that if you buy jewelry, electronics or expensive art, you’re keeping those possessions protected as well by increasing the policy limits on what’s inside the house. 

Contacting Ty Lawrence Insurance Agency 

You don’t need to worry about your policy every time you go to the mall in Austin, TX, but you should be aware that you may have accumulated more value than you think in your home. If you’ve been there for even a few years, it can sneak up on you. Our agency has the people and the know-how to give you excellent advice to protect against a variety of natural and man-made events alike. Contact us for more information, or to see how much it will be to get the coverage you want.  

What are riders, and how can I use them to protect my valuables?

Residents of the Austin, TX area know how important it is to have good home insurance coverage. When you just can’t find a policy that insures a particular item or structure in your home, however, it can be frustrating. Fortunately, it’s often possible to add a rider or additional clause onto a policy that can offer coverage for a specific item.

There are thousands of different riders available, and in many cases, an agent can write one specifically for a particular object.  Riders can offer protections to things that are specifically excluded from a policy, they can offer a lower deductible for items that are already covered, and/or they can provide higher coverage limits.

For example, a home policy might specifically exclude jewelry with a particularly high value. A rider can be added to the policy that would reduce or eliminate the deductible for any jewelry that is lost or stolen.  It could also raise the coverage cap to cover high-valuable pieces.  In some cases, it may even be a good idea to list specific pieces along with their appraised values.

Riders can also be used to provide additional coverage for items that are specifically excluded. For example, many TX residents use a rider to cover buildings on their property that aren’t attached to their main structure. Barns, sheds, and docks often need to have an additional rider due to the high cost to replace these structures. Check with your agent to see if your policy excludes the items inside of these structures.

If you’re not sure what your current home policy covers, then call the agents at Ty Lawrence Insurance Agency. They can help you identify the gaps in your coverage and find a policy or rider that will fill it in.

How to Protect Your Home During the Holidays

The holidays are a great distraction for you when it comes to protecting your home. While you are busy buying gifts and making plans, it’s easy to forget to lock up or close a window. As such, burglars are always on the prowl. They look for opportunities to grab valuable belongings. Fortunately, you can protect your humble abode with these easy-to-remember ways to protect your home during the holidays in Austin, TX.

Keep Your Home Lit

Burglars target homes that give the appearance that no one is home. Although you can’t be at home 24-7, it’s important that you give the appearance that you are home to avoid a home insurance claim. The easiest way to make your home look occupied at all times is by using automatic lights. You can set the timer on your lights so that they automatically come on at random times, which will help discourage burglars while you are from visiting family members.

Always Set Your Alarm

After having your alarm for years, it’s easy to forget to set it. Many people think that it’s okay to visit the store for a forgotten item without setting their alarm. However, it only takes one mistake and one burglar to make it easy to be robbed. Never leave your home without setting your alarm, even if you are simply going down the street for milk.

Cut Back Shrubbery

Your shrubs provide great cover for burglars. They can hide next to a door or a window under cover ofty your bushes. You can’t give them the opportunity to steal from you. Although tall bushes may be the look you want in Austin, TX, cutting your shrubs back during the holidays can prevent a break-in.

You can enjoy the holidays without becoming a victim of burglary. With these easy tips, you can ensure that your home is always protected. Also, consider reviewing your home insurance policy to ensure you have enough coverage in case the unthinkable happens. Contact an agent with Ty Lawrence Insurance Agency today.

 

Backyard Entertaining This Fall

Now that fall has officially arrived and temperatures are dropping to a more comfortable level, it is time again to get out and enjoy al fresco dinners and gatherings.  Is your backyard ready for fall entertaining?  At Ty Lawrence Insurance Agency of Austin, TX, we hope you make time this fall to enjoy your biggest investment, your home.  Here are some tips for backyard entertaining this season.

Decorate with Natural Elements

Create a fun fall ambiance by bringing in natural elements into your outdoor design.  Fresh colorful mums in flowerbeds or containers create a sense of fall.  Use fall leaves to make a natural wreath or garland.  And of course, you can place a variety of pumpkins and gourds around your entertainment area as well.

Create a Welcoming Seating Area 

Outdoor seating does not have to be expensive.  Repurpose indoor furniture on your backyard patio or deck to create an outdoor room.  Include comfortable cushions and pillows for a cozy place for guests to sit and visit. 

Keep the Menu Simple and Fresh

Fall in Texas is still pleasant and it is the perfect time to enjoy backyard grilling.  Pair grilled meats and veggies with salads for a simple fall meal.  Use seasonal fruits and vegetables and pair with earthy seasonings such as rosemary. 

Whether you are gathering with friends and family to watch a football game, host a party, or celebrate the beautiful weather in Austin, TX, fall is a great time to get outside and enjoy your backyard.  It may also be time to evaluate your current insurance policy.  If you feel it is time to make changes or get information about new coverage, contact one of the professional agents at Ty Lawrence Insurance agency to help you find the right products.