It’s important to know what your home insurance does and doesn’t cover. When you’re going to pay for a policy, you have to make sure that it includes the coverage that you need. This is when it can be helpful to work with us at Rasor Insurance.

What’s Included in a Policy

There are a few major components that are included with a home insurance policy. This includes protection of your property, your personal belongings, as well as liability in the event that something happens on your property or as a result of someone who is living on your property.

There may be instances when this isn’t sufficient. Not all policies are built the same way. Different companies can provide different coverage levels. This is why it’s important to work with an independent insurance agent who can guide you through the process.

Customizing Your Policy

If you want your home insurance to cover everything that you need, you need to look at the details. This includes looking at worst-case scenarios so that you are prepared for anything that may happen in and around your home. You can choose to add riders to your policy that go above and beyond the basics. This includes limited coverage for money, jewelry, gold, and various collections. You can also choose to increase the level of liability and coverage for any personal property that is stored outside of your home.

When you have a more thorough home insurance policy, it provides you with better peace of mind. This way, should something happen, you know that you can file a claim with the insurance company and reduce your out-of-pocket expenses.

Contact us at Rasor Insurance today to learn more about home insurance. Our independent insurance agents can work with you to customize a policy.

If you farm or ranch in Celina, TX, your farm is a part of who you are. It’s more than just an investment; it’s a way of life. At Rasor Insurance, we understand how vital that way of life is, and we work hard to help you find the protection you need.

Considering your unique needs, you need a policy that reflects your personal circumstances. Standard coverage can include all of these:

Dwelling coverage to protect any homes on the farm in case of fire, lightning, storms, accidents, theft, and vandalism.
Farm personal property coverage to protect your livestock, equipment, and other machinery.
Farm liability, to protect you in case there is an accident on your property, which will cover medical bills and physical damage.
Farm outbuilding, for any sheds, barns, or other outside structures.
Additional living expenses or fair rental value, in case you cannot live in your home temporarily because of a loss already covered under your policy.

No one wants to pay for more than they need, but you need to discuss with your agent everything of value on your farm to make sure that you have at least as much protection as you need. Besides the standard coverage, you can also get additional coverage to cover you in case your farm equipment breaks down, to include lost income, and many other circumstances.

If you live in Celina, TX, you may be eligible for discounts too. There are discounts for transferring your policy, paying in full for a year, bundling your insurance policies, and for other reasons. If you are interested in seeing if you can get better coverage to meet your needs, or if you have any questions, please call Rasor Insurance today.