Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Precept Insurance Services can help you find the homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.
Insurance for All Kinds of Homes
Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!
What you need to know about homeowners insurance.
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners policies differ by which losses are covered, what coverage you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or a policy that covers only specified losses.
Precept Insurance Services is here to help you find the right insurance for your home. Whether you’re a home or condo owner, a renter, or a landlord, Precept will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:
- What you select. Oftentimes homeowners insurance options are priced individually so how much you’ll pay for your policy depends on what coverages you buy.
- How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
- Where you set your limits. You may choose to set higher limits than the recommended amount if it’s appropriate to your situation and needs.
- Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
The Right Coverage. The Right Price. The Right Value.
The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
This covers medical expenses for guests if they are injured on your property and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.
Protection for Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance section for more information.
Texas – How much auto insurance is right for you?
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.
Condominium insurance is unique. Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement.
Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association. You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss. Let Precept Insurance Services help you find the right amount of coverage to suit your insurance needs. Call us today at (972)-242-6789.
What you need to know about condo insurance.
Condo insurance provides coverage for your personal property and much more. For a few more dollars, you can elect to carry Full Value Personal Property which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss.
If you have upgraded cabinets or put in hardwood floors, condo building item coverage protects these investments. Be sure to consult your HOA agreement to determine what the Association policy covers and what you are responsible for. If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.
Various limits of loss assessment coverage are available. Be sure to consult the HOA agreement to determine the potential for such assessments. Precept Insurance Services can help you determine your coverage needs to make sure you’re properly covered. Call us at (972)-242-6789 or email us at email@example.com.
Protect yourself and your guests.
Your condo insurance policy protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available.
Extra coverage doesn’t have to cost a lot.
Many people supplement their condo insurance coverage with personal umbrella liability insurance for broader protection. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss.
Find unique insurance that is right for your condo.
Contact Precept Insurance Services to identify the best combination of coverage, value, and price for you. We can help make sure your condo insurance continually meets your needs. Call us at (972)-242-6789 or email us at firstname.lastname@example.org.
You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer, and you want to feel confident that everything you’ve worked for is not at risk. Let Precept Insurance Services help you find coverage options that protect you, your family, and your personal property. Call us at (972) 242-6789 and let us help to make sure you’re properly covered.
What you need to know about renters insurance.
Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
Protect yourself and your guests.
Your renters insurance policy protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let Precept Insurance Services help you find the right amount of coverage to suit your insurance needs. Call us today at (972) 242-6789.
Get the right amount of insurance coverage at the best price.
Whether you’re starting out, between homes or downsizing, Precept Insurance Services will help you pick the renters insurance coverage that best fits your needs. Give us a call today at (972) 242-6789 and get covered. Be sure to ask about available discounts including burglar alarm credits and the account credit for customers who package auto policies with their renters policy.
Extra coverage doesn’t have to cost a lot.
If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss.
As a landlord, you want insurance that’s tailored specifically to protect your rental properties. A Landlord Protection policy gives you choices when purchasing the insurance coverage you need.
What you need to know about landlord protection insurance.
Rental property is a great investment, especially if you protect your assets with excellent coverage. Make sure that you and your property are covered when choosing a landlord protection insurance policy.
Landlord Protection liability insurance options protect you and your spouse or domestic partner against personal injury, wrongful eviction, or wrongful entry as well as other non-bodily injury claims such as libel and slander.
Extra Coverage Doesn’t Have to Cost a Lot
Many landlords supplement their coverage with personal umbrella liability insurance for broader protection. Talk to us today about the amount of coverage that’s right for you.
To find out more about this product and other products and services, contact Precept Insurance Services at (972) 242-6789.