League City, TX, homeowners are subject to various insurance-related perils, including weather-related perils like hurricanes, windstorms, floods, and hailstorms. With a home insurance policy, you get comprehensive protection from this and other perils like burglary, theft, fire, and vandalism. 

5 Steps to Protect Your Home

Step #1. – Benefit from Local Expertise

Local homeowners benefit from the expertise of knowledgeable insurance agents at ACU Insurance Services in League City, TX. Our licensed and friendly agents can walk you step-by-step through the process of choosing the best home insurance policy. 

Step #2. – Provide Details About Your Home and Property

Talk to a trusted insurance agent for details about your home and property. Learn about the benefits of dwelling coverage, personal property coverage, and liability protection that help shield homeowners from accidents that happen on their property, resulting in lawsuits and other legal claims. 

Step #3. – Get Financial Protection for Your Most Important Investments

Once your agent has essential details about your home and you’ve provided details about what assets and valuables you’d like to have covered, the next step is to learn what discounts and add-on options are available for Texas home insurance policyholders. 

Step #4. – Find Out About Home Insurance Discounts and Policy Add Ons

Your agent will let you know if you qualify for policy discounts by bundling your home insurance with auto, umbrella, or commercial insurance policies.

Step #5. – Get a Free Quote and Start Your Policy! 

The final step in the process is to get your free home insurance quote, select your coverages, and start your policy. Contact an agent at ACU Insurance Services in League City, TX, to begin your home insurance policy today! 

It is no secret that a variety of factors can impact the rates that are paid for a homeowner’s insurance policy. These can include the age and size of a home, its location, construction materials, and amenities. It also may consist of whether or not you have a dog, trampoline, pool, or other higher-risk factors.

This can make it tempting to ignore some aspects of your home insurance application or even fib just a bit. This is a terrible idea.

At ACU Insurance Services of League City, TX, it is our duty not only to ensure you get the home insurance protection you want and expect but also to ensure the information is as accurate as possible. There are good reasons.

Untruths on an Application Can Impact Claims

Your claim could be denied if you have a claim on your homeowner’s insurance and your application has inaccuracies. It could also lead to the cancellation of your policy. This could happen at the worst possible time when you need coverage the most.

Dogs, Pools, Trampolines, and More

If you have or acquire a dog throughout your coverage period, and the dog bites a visitor, the liability coverage may be denied. Adding a trampoline to the backyard without notifying your insurance company could lead to denying an injury claim.

The best policy when filling out your homeowner’s application is honesty. Filling out an application for homeowners insurance could be meaningless if coverage is ultimately invalid.

At ACU Insurance Services, we serve the League City, TX, area with homeowners insurance. We take care in making sure applications are as accurate as possible. You can have confidence when you have coverage through ACU Insurance Service. Contact us today.

For homeowners who are trying to plan how they’ll be able to finance a repair or renovation to their property, it’s a good idea to evaluate all available options. From dipping into savings to taking out a line of credit to consulting with your home insurance policies, you’ll want to look at every potential avenue to cover your home repair or renovation. At ACU Insurance Services in League City, TX, we know how important it is for homeowners to feel comfortable paying for emergency home repairs. As we’ll explain in the article below, some types of modifications to your home may not be covered by your home insurance policy. Before you give up on that option, though, you should consult with an agent at our insurance agency.

Does Home Insurance Cover Repairs and Renovations in Texas?

While every home insurance policy is different, home insurance generally only recovers repairs for damage directly resulting from qualifying events. Most home insurance policies, for example, will not cover repairs related to flood damage since that’s what flood insurance is supposed to cover. Your insurance policy is highly unlikely to provide coverage for cosmetic renovations or improvements entirely unrelated to qualifying events. Even if home insurance provides coverage for repairs, it will probably only be to restore the damaged area to the same finish and state of function that it had before the damage occurred. You can’t file a claim for damages-related costs and use those funds to renovate.

To learn how our home insurance policies can potentially help you cover repairs for qualifying events, call our team of professionals at ACU Insurance Services in League City, TX today!

Making your house more energy efficient is a great way to save money on bills and help the environment in the League City, TX area. Here are some simple tips from us at ACU Insurance Services to make your home more energy efficient:

1. Insulate Your Home: Adding insulation to your walls, attic, and basement can help reduce the amount of energy used for heating and cooling. Not only will this reduce your energy usage, but it will also make your home more comfortable year-round.  

2. Change Out Old Bulbs: Replacing old light bulbs with LED or CFL bulbs is an easy way to save energy. These bulbs use less electricity than traditional incandescent bulbs and can last up to 25 times longer! 

3. Upgrade Your Appliances: Upgrading older appliances with newer models labeled "Energy Star" can substantially reduce your energy consumption. Look for Energy Star-rated washers, dryers, refrigerators, dishwashers, and other large appliances. 

4. Install a Smart Thermostat: Installing a programmable thermostat allows you to set temperatures based on when you’re usually away from home or asleep at night, so you don’t have to remember to adjust it manually daily. Plus, these thermostats learn from usage patterns; after a few weeks, they will adjust automatically! 

5. Seal Air Leaks: Caulk and weather-striping around doors, windows, and other openings in the home help keep warm air in during cold months and cool air in during hot months—saving you money on utility bills all year long! 

Making your house more energy efficient doesn’t have to be complicated—even making small changes can add up over time! For more tips, give us at ACU Insurance Services a call today. We are proud to serve the League City, TX area.

Once you’ve taken the necessary steps to protect yourself and your family in a storm, it is time to turn your attention to preparing your home for a storm. Taking the proper precautions can help minimize the risk of serious damage to your property during severe weather.

Here are some tips from us at ACU Insurance Services on how to prepare your home for a storm in the League City, TX area:

1. Check Your Roof – Ensure that shingles and other materials are secure and free from rot or decay.
2. Clear Gutters & Downspouts – Be sure to clear debris from gutters and downspouts before storms.
3. Trim Trees & Shrubs – Trim overgrown trees and shrubs to reduce the risk of branches breaking during high winds.
4. Cover Windows & Doors – Secure shutters or plywood to windows and doors before the storm arrives.
5. Secure Outdoor Objects – Move outdoor furniture, grills, and other items inside before a storm hits.
6. Unplug Electronics – Unplug appliances and electronics that lightning strikes or power surges could damage.
7. Check Insurance Coverage – Ensure you are adequately covered for any damage caused by severe weather.

By taking the necessary steps to prepare your home for a storm, you can help protect it from serious damage. These simple precautions you can take now will save time and money. Don’t wait until severe weather arrives — start preparing today! If you need assistance with any of these tasks or want more information about protecting yourself from storms best, contact us at ACU Insurance Services today. We proudly serve the League City, TX area.

If you’re a League City, TX homeowner, then you should know that simply having home insurance in the first place isn’t enough to ensure the safety of your property and the security of your future. If your home is underinsured, you could still be at risk.

And before you assume that can’t possibly mean you, you should also know that this is a common state of affairs – one that most homeowners aren’t aware of until it’s too late. Here’s how to tell whether you should speak to your ACU Insurance Services agent about upgrading your policy.

Check to ensure your policy covers rebuilding costs

Naturally, most of the point of home insurance is having full protection from the worst possible scenario – total loss of your home due to fire, natural disaster, or a similar occurrence. But don’t just assume that any home insurance policy will cover the total costs of rebuilding a home should the worst happen. If you’re underinsured, yours probably won’t.

Make sure your policy covers your actual valuables.

Another common assumption underinsured homeowners tend to make is that their current policy will cover all of their possessions in the event they are lost or damaged in a disaster. However, this isn’t always the case. Some valuables – like musical instruments, cash, or antiques, to name just a few common possibilities – may require a special policy rider to be protected.

Determine whether you need additional disaster coverage

Many common disasters – like floods or earthquakes – aren’t typically covered by standard home insurance policies in League City, TX. If that’s the case for you, as well, then you’ll want to look into purchasing supplemental insurance to ensure you’re genuinely protected against all possibilities.

Ultimately, a home is one of the most significant investments a person ever makes, so it’s intelligent and essential to ensure it’s well-insured. Get in touch with an ACU Insurance Services rep today to review your policy and ensure it’s everything it should be!

ACU Insurance Services is here to provide the greater League City, TX community with its necessary insurance services. We are a full-service agency that can help you with all of your insurance needs, including windstorm policies. Give us a call today to find out more!

Benefits of having windstorm insurance in our area 

We are all very familiar with the unpredictable weather patterns that affect our area. Having the right insurance in place can help to alleviate any financial losses caused by disruptive weather. Wind, in particular, can be a very damaging and destructive force. If you want to have the peace of mind that comes with knowing that your property is protected, it’s time to look into a windstorm insurance policy.

Now is an ideal time to look closely at the different types of insurance policies available in our area. Sitting down with a local agent is an effective way to identify and correct any gaps that you may currently have in your protection. You may not even know that windstorm insurance is available in our area!

Home and property insurance may not cover damage caused by a severe windstorm. Find out now if your homeowner’s or commercial policy provides this protection. Reviewing the available windstorm policies is the next step if you need further protection. Learn more today about this vital insurance type!

Find out more about windstorm insurance today!

If you own a home or business in the League City, TX area, you can count on ACU Insurance Services for all your insurance needs. Give us a call or stop by our office today to learn more about the many benefits of windstorm insurance. 

When most people think about their homeowner’s insurance policy, they believe one size fits all. However, that couldn’t be farther from the truth. That said, most standard policies will cover the main things, such as damage to your home due to fire, smoke, and even certain weather. They may also cover damage due to theft or vandalism. 

So, what isn’t typically covered by insurance? 

• Mold. Most policies typically don’t cover mold unless it is due to water damage from storms or a burst pipe. They won’t cover mold that happened because you didn’t take care of your home. 
• Valuables. If you have a lot of valuables, your homeowner’s insurance policy generally won’t cover them. So, if you have expensive jewelry or art, you may want an umbrella policy to help you replace anything stolen or damaged. 
• Flooding. Most policies won’t cover flooding, so if you live in an area that floods, you may want to protect yourself and your home by purchasing flood insurance. 
• Earthquakes. Earthquake damage is also not usually covered, so if you live in a high-risk area, you will want to ensure that your policy will cover the damage. This may mean you have to get extra insurance, just in case! 

Though you may think that your policy will cover everything, the truth is that your homeowner’s insurance may not cover mold, flood damage, or even damage due to earthquakes. It also may not cover your expensive valuables. 

If you want to ensure your home is fully protected, don’t hesitate to contact us today at ACU Insurance Services in League City, TX. We will be glad to help you find the right plan for your budget. 

It’s probably no surprise that myths abound regarding home insurance. After all, most people don’t know much about it beyond the basics. And when you don’t understand something, it’s easy to fill in the blanks with whatever information you can find, even if that information is wrong.

This post will debunk some of the most common myths about home insurance. By the end, you should better understand what this type of coverage is and what it can do for you.

Myth 1: Home Insurance Is Just for Protecting Your Home from Damage

Wrong! Home insurance also covers your personal belongings if they are stolen or damaged. So, if you have a break-in or a fire, your home insurance policy will help you replace anything lost or damaged.

Myth 2: Home Insurance Is Expensive

This one depends on many factors, including the value of your home and the amount of coverage you need. But in general, home insurance is not as expensive as you might think. And when you consider the peace of mind it can provide, it’s definitely worth the cost.

Myth 3: Your Home Insurance Policy Will Cover Any Damage That Happens to Your Home

This is unfortunately not true. Home insurance policies have limits and exclusions, so it’s important to read the fine print of your policy to understand what is and isn’t covered. For example, your policy will not cover damage from floods or earthquakes.

Myth 4: You Don’t Need Home Insurance If You Own Your Home Outright

This is another myth that’s not true. Even if you don’t have a mortgage, it’s still a good idea to have home insurance. This type of coverage can protect you from things like fire, theft, and vandalism.

Now that you know the truth about these common home insurance myths, you can be sure that you’re getting the coverage you need for your home. ACU Insurance Services in League City, TX can help you find the right policy for your needs and budget. Contact us today to get started.

Owning a home has continued to be a great way for someone to build long-term wealth. If you are considering buying a home, the League City, TX area can be a great place to do so. While there are advantages that come with property ownership, there are risks as well. To help offset some of these risks, getting home insurance is a good idea for various reasons. 

Coverage Needed to Protect Home

A key reason that anyone in this area of Texas should get this coverage is to protect their home. If you want to buy a home, you will want to use and enjoy it for a long time. A great way to ensure this happens is by getting insurance as it will offer you protection if your home is damaged in an accident or you are a victim of vandalism or theft. 

Insurance Will be a Requirement

You should also get a home insurance plan because it could be a requirement for you. A lot of people in this part of Texas will take out a mortgage when they buy a home. If you have taken out a mortgage, you will need to carry insurance. Your lender will likely require that you obtain a certain level of coverage and maintain it through the loan term. 

If you are going to invest in a home in the League City, TX area, it will be very important to get the right insurance for it. A great place to start your search for insurance is by calling ACU Insurance Services. The team with ACU Insurance Services can give any support that you need to build a plan that meets your needs. They will offer a full consultation and evaluation to help you get the right coverage.