Windstorm Coverage Options

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Your home is one of the largest investments you will make in your lifetime. Having a homeowners’ insurance policy in place to protect your investment is very important, but windstorm insurance will provide you with an extra layer of protection.

What Is Windstorm Insurance?

If your home is damaged by heavy winds, hurricanes, tornadoes, gales, hail, and other windy weather when storm insurance can help you pay to repair your home. The agents at ACU Insurance Services in League City, TX can simply add it to your existing home insurance policy through the same type of rider that you would use to add flood or earthquake insurance.

What Does Windstorm Insurance Cover?

Windstorm insurance will cover any physical damages that occur from a wind event to your property as well as your personal belongings.

Most windstorm policies will also cover detached structures, including garages, barns, and sheds. Wind is very detrimental as it causes roofs to blow off and windows to break leaving your home and other buildings susceptible to rain damage, flooding, and tons of damage from debris flying through the air.

This type of insurance is very important to have in place if you live in an area, such as Texas, that suffers from occasional or frequent hurricanes, tornadoes, and cyclones that can be devastating for you and your home. This type of insurance will assist you and your family in getting back on your feet much faster after a horrific event than if you did not have a windstorm policy at all.

To achieve peace of mind when it comes to your home or business in Texas, you need to create a windstorm insurance policy that works well for your situation. The agents at ACU Insurance Services in League City, TX can assist you in getting your policy started. Please call for a quote and appointment today!

When should you review your home insurance policy?

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Home insurance is one type of insurance that just about everyone who owns a home needs and wants. With all the things that can go wrong, why would you want to risk your investment? At ACU Insurance Services in League City, TX, we are dedicated to helping our customers to personalize their insurance to better meet their needs. As independent agents, we can offer more choices. 

When your policy is set to renew, that is the perfect time to do a review. You will have a current declaration page to give you all the particulars. You need to see if your home is valued correctly. Have you done any major renovations that you haven’t notified your insurance agent about, something that would increase the value of your home? Some repairs, like a new roof, make your home less expensive to insure. 

Are you worth more now than when you first took out the policy? The more you have in assets, the higher your liability coverage should be. Have you added any additional risks to your home like a dog or swimming pool? Talk to your agent about your liability insurance and whether you should add an umbrella policy. 

Is your deductible right for you or should you increase or decrease it?  Do you have the right type of content coverage and have you added any expensive items to your home or jewelry box that might require an endorsement to make you feel protected? 

Other times to review your home insurance policy are when there is a change in your life status; when you get married or divorced. 

Your home insurance is something that changes over time. It needs to be reviewed at a minimum every year but more often as is necessary. 

Contact ACU Insurance Services in League City, TX when you are in the market for home insurance.

What Does Flood Insurance Cover?

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Floods have been known to cause significant damage in the US, and one of the states that are affected by major flooding is Texas. And while this is a situation that a homeowner cannot prevent, you can get flood insurance to minimize the financial loss you might experience in such cases. Most people assume that renters insurance and home insurance cover floods, which is not true. Without insurance, you would cover repair costs by yourself, which costs you money and time. However, to make it easy for you, ACU Insurance Services serving League City, TX takes you through what is covered by flood insurance.

The Building

Building property coverage helps protect the actual structure of your home plus the foundation and other structures. This can include the stairs, a built-in bookshelf, and kitchen cabinets. In addition, appliances like washing machines, heat pumps, dishwashers, water heaters, air conditioning, plumbing, and electrical systems are also covered.  

Personal Contents

With personal content coverage, your personal property will be covered when affected by floods. Some of these items include small kitchen electronics, décor, dryers, toys, shoes, and clothing. Personal valuables such as art pieces are also covered in personal content coverage if the policy allows. However, note that flooding exclusions might take effect when contents are stored in the basement, as most flood policies do not protect content in this area.

Other Coverage

There are events covered by flood insurance, yet they are not precisely floods. For instance, mudflow and groundwater seepage that causes damage to various homes can be covered here.

Living in areas prone to flooding can be stressful if you do not have flood insurance, as you are constantly worried when you hear a storm is approaching. Here at ACU Insurance Services, serving residents of League City, TX want to ensure you enjoy peace of mind. Call us today and we will help you with purchasing flood insurance to protect your home and its contents.

Who needs to get windstorm insurance in Texas?

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Owning a home in the League City. TX area has continued to be a good housing option. Property owners in this area of the state will enjoy a strong market and access to local amenities. If you are going to buy a home here, having the right insurance is important. One form of coverage to get here is windstorm insurance. There are a few situations in which someone should obtain this coverage here. 

When Trying to Protect Home

A situation when you should get windstorm insurance is when you want to protect your home. In this part of Texas, windstorms are common and can cause damage to your property. This can include damaging your siding, roof, and windows. As the costs to repair these issues can be significant, getting the right coverage is important. With a windstorm insurance plan, you will have the coverage that is needed to offset this risk. 

When Required

There are also situations in which you may be required to obtain this coverage. Windstorm insurance offers valuable coverage that may not be included in a standard home insurance plan. Some mortgage providers may require that you obtain this additional coverage as it will ensure their collateral is protected. There will likely be specific standards that need to be met, and they may even escrow for your payments. 

If you are a property owner in the League City, TX area, having windstorm insurance can be a great option. If you are looking for a plan in this area, the team with ACU Insurance Services is a great company to contact. When you call ACU Insurance Services you can learn a lot about your different insurance options. This will ensure you properly protect your home with a windstorm insurance plan. 

Is Flood Insurance Mandatory in Texas?

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Floods are one of the most prevalent natural calamities and can cause unspeakable property damage. Even though your house is located in a low flood-risk area, you aren’t 100 percent safe. Statistics show that about 25% of all flood insurance claims in Texas are from residents residing in low to moderate risk areas!

 Are you concerned that your household may not be protected against floods in League City, TX? Contact our agents at ACU Insurance Services offices, who will assist you in landing an outstanding insurance coverage matching your needs and budget.

Is flood insurance mandatory in Texas?

Texas doesn’t require homeowners to carry flood insurance. However, if your property is located in a high-risk flood zone, you might need to procure coverage as a condition of your outstanding mortgage. Since typical home insurance doesn’t cover flood-related damages, all Texans should safeguard their homes with a separate flood insurance coverage.

Flood insurance coverage options 

There are two types of flood insurance coverages. They include: 

Building property coverage

This coverage protects the dwelling itself. It covers the physical structure and its:

  • Furnace and central air conditioning
  • Plumbing and electric systems.
  • Built-in appliances like refrigerators and dishwashers
  • Permanently installed carpeting, paneling, cabinets, bookcases, and wallboard
  • Foundation
  • Detached garage

Personal property coverage

It covers personal belongings (contents) in the building, including: 

  • Portable appliances
  • Clothing
  • Furniture
  • Electronics
  • Curtains
  • Freezers and foods inside them

Ultimately, whether flood insurance is mandatory or not, you need to purchase coverage since no one is entirely safe from flood damage. 

Buy flood insurance today!

Are you familiar with flood insurance coverage in League City, TX? It’s prudent to check your policy wording carefully before purchasing your policy and ensure you comprehend what flood insurance covers. If you need more information, please connect with ACU Insurance Services today for assistance.

Demystifying Popular Home Insurance Myths

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 You are probably at the stage of buying home insurance for your home, and you are confused. We understand the confusion. With lots of information about home insurance — some genuine others false — you definitely can’t separate the chaff from the grains. 

 Home insurance is a tricky topic, and if you are misinformed, you will be relying on the wrong myths when buying the insurance. Luckily, at ACU Insurance Services of League City, TX, we are here to debunk common home insurance going around. 

Home insurance policy covers flood damage

Your standard home insurance doesn’t cover flood damage. While home insurance may cover water damage from damaged pipes, it won’t cover damage from overland flooding. In light of this, if you live in a flood-risk area, consider buying a stand-alone flood insurance policy. 

Home insurance only covers the house

The policy covers your house and the contents too. If your home has detached structures, they are covered as well at an additional premium. Moreover, home insurance provides liability protection and pays for additional living expenses when your house becomes uninhabitable.

Home insurance covers medical expenses

For your information, home insurance covers medical bills for guests that get hurt on your property. If you or your family member get injured, the policy does not cover the medical expenses.

Home insurance is not worth the expense

Imagine your entire home investment going down in just one event! Something you have worked so hard for years. How do you start saving for another home? If you hear someone saying that home insurance isn’t worth it, just think about the thousands of dollars you have put in your home. 

Home insurance at League City, TX

You cannot exhaust the myths of home insurance. Every day new ones are coming up. In case you encounter conflicting information about home insurance, seek advice from a trusted insurance agent. If you are in League City, TX, look no further than ACU Insurance Services. We got you covered for all the matters to do with your home insurance. 

What Should I Be Aware of When Buying Flood Insurance For My House?

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Flood insurance is a necessity for some homeowners, but what should you be aware of when buying it? Even if your house isn’t in an area that’s usually prone to flooding; there are still risks. Flooding can happen anywhere at any time, which is why it’s best to be prepared by purchasing flood insurance. Here are three things you should be aware of before you buy flood insurance:

You’ll need to know your home’s elevation and how close you are to any water source 

The elevation of your house will help determine your chances of flooding. If it is very low, then the chances for flooding are high. The proximity of your home to nearby lakes or rivers can put your house in flood zones which you should be aware of.

It can be a lifesaver in the event of an unexpected flood 

The act of flooding can be surprisingly common even though we don’t often hear about them–in fact, floods happen every year on average but most go unreported or unnoticed. With good preparation beforehand combined with a solid flood insurance plan you can protect your home and loved ones when disaster strikes.

The cost of flood insurance will vary depending on where you live

The cost of flood insurance can vary depending on where you live, so do your research before purchasing coverage for your home. Some factors to consider are the number of days a year that typically see flooding in the area and what type of construction is used near or around the property. The best way to find out how expensive it will be will depend on asking the right agent who specializes in this kind of coverage. If you are interested in getting help with flood insurance in League City, TX, contact ACU Insurance Services today.

What is windstorm insurance and how does it work?

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What is windstorm insurance, and how does it work?

Windstorms can cause severe damage to your home and personal belongings. Luckily, the coverage is included in your home insurance plan if you do not live in a high-risk area. However, the coverage limit may not be enough if you live in a high-risk wind area. ACU insurance services recommend buying additional coverage known as Windstorm insurance to protect your home and belongings.

What is windstorm insurance?

Windstorm insurance is a unique type of property-casualty insurance that protects your home and property from damage caused by winds, hail, tornadoes, hurricanes, gales, and other gusty hazards. The policy covers physical damage to the dwelling and personal property.

How does windstorm insurance work?

Windstorm insurance covers the dwelling and your possessions. Some policies also include the detached garage and shed. Most policies cover repairs of the damaged parts and replace damaged items in the house. Some policies require the policyholder to report the incident as soon as it happens, as there is a time frame during which you are allowed to file a claim. If you take too long, you may not be lucky to get compensation.

Who needs this policy?

If you live in a high-risk windstorm area, you are more susceptible to this kind of peril, and your insurance company may request you to buy extra coverage aside from what you have in your home insurance policy. If you are in the coastal parts of League City, TX, where tornadoes and hurricanes are likely to attack, you need windstorm insurance.

What else should you know?

Sometimes, the windstorm is followed by flooding or storm surges, but this policy does not cover floods. It would be best if you bought flood insurance separately to cover the damage caused by water. This policy does not obscure or replace a vehicle that is damaged by a blown tree branch or debris.  Your comprehensive coverage in your auto insurance should cover this.

If you feel that you need to buy windstorm insurance in League City, TX, feel free to speak to us at ACU insurance services, and we will be happy to help.

Do I need flood insurance in Texas?

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When you are in the League City, TX area there continue to be a lot of great reasons to own a home. If you are interested in being a property owner in this area of Texas, getting the right insurance in place is very important. One responsibility that all people will have when they purchase a home here is to get flood insurance. There are a few reasons why you will need to get a flood insurance plan when you are here in Texas.

Insurance is Needed to Protect Home

A reason that people here will want to have flood insurance is that it is needed for them to protect their property. If you have a base home insurance plan, the flood coverage you receive can be limited. If you are concerned about the risk of flood in your area, getting a full flood policy can be a good option as it will ensure you are covered. 

Lender Requirement

You may also be obligated to get a flood insurance plan if your lender requires it. All lenders will run searches to see if your home is in a high-risk zone. If you are at a higher risk of flood damage your lender will want you to get proper insurance to mitigate the risk. This will usually include requiring you to get flood insurance. 

If you would like to get a flood insurance plan in the League City, TX area, it would be wise for you to call ACU Insurance Services. The team with ACU Insurance Services understands how valuable this coverage is and they can help you determine if you should get coverage. The team is able to do this by assessing your options and needs and giving guidance to build a policy that works for you. 

Do I need to get home insurance in Texas?

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Those that are looking for a new place to live and move to should consider the League City, TX area. When you are here, you will benefit from long-term price appreciation and a strong local economy. If you would like to buy a home in this area, you also need to get the right insurance for it. There are a few reasons why you need to get home insurance when you are in this area of the state.

Insurance is Required by Mortgage Lenders

A common reason that people here need to get home insurance is that it is required by their mortgage lender. If you have taken out a mortgage, your bank will have a vested interest in your property. Accordingly, they will want to ensure that it is properly covered by insurance at all times. Your lender will have specific insurance requirements and may require that you escrow for your payments each month.

Insurance Protects Against Liability Risk

You will also want to get home insurance because it can protect you against liability risk. Anyone that owns a home will be taking on some liability risk. If this is the case for you, it continues to be important that you mitigate this risk with insurance. With a home insurance plan, you can receive the liability insurance needed to offset the risk. 

When you are trying to purchase a home in the League City, TX area, it will continue to be very important that you get the right insurance for it. When you are searching for a policy, ACU Insurance Services can be a great resource for you. The insurance team with ACU Insurance Services understands the importance of this insurance coverage. They can help you better assess your needs and options and choose a policy that will protect your property.