Why a Small Fire in Your Plano, Texas Home Can be so Costly

Plano, Texas has repeatedly received accolades from business and lifestyle magazines as a terrific place to live and work. We are a vibrant community with events like the Plano International Festival and Plano Balloon Festival that brings us together each year. We have terrific schools, lots of recreational opportunities, and for the most part, moderate weather. There are a lot of reasons to enjoy life in this city of over a quarter of a million people.

We have amazing community services. Plano Fire-Rescue protects the citizens covering the 72 square miles of our community with some 335 personnel from 13 stations. But even they can’t be everywhere as quickly as they would like. Even a small fire in your Plano home can be costly.

It is not just the flames that can cause damage. Smoke and soot can quickly move through your home, ruining furniture and clothing. It can seep into your bedding, carpeting, and stick to the ceiling and walls. Ductwork will likely need to be cleaned and damages can escalate. This is when you rely on your homeowners insurance. But are you convinced your home is properly covered for damages from fire, smoke, and soot? Is it covered for the extinguisher dust or water that may be needed to control the flames? An insurance review will let you know.

Contact us for a no obligation review of your homeowners insurance. As independent agents, we may even be able to save you money by searching multiple providers. You can see for yourself with a visit to our website. Get comparative homeowners insurance quotes for your Plano home right online. You can also request an auto insurance quote.

Protect your lifestyle and your home with a homeowners insurance update. Contact us today!

Home Insurance Premiums: Understanding the Factors That Come Into Play

When it comes to insurance for your home in Richardson Heights, Custer Trails, Estates of Prairie Creek or any other neighborhood in Richardson, TX, there are more factors at play than you might actually know. Just as with many other things, such as auto insurance and credit card applications, your home insurance company will evaluate and determine your risk before settling on an amount for you to pay each month or each year for insurance. Here are a few things that they look at.

1. Your Location.

Your insurance agency will look at where you live to determine how high-risk the neighborhood is. The higher risk the neighborhood, the higher your premium will be and vice versa. For cheaper premiums, you generally want to live in a neighborhood where homes are close together, close to a fire departments and close to fire hydrants. In addition, you'll want to avoid high-crime areas.

2. Your Home.

The characteristics of your home will affect your home insurance premium. They will take into consideration the type and age of the roof, which needs to be less than 10 years old and be a fire-resistant material to get the cheapest prices. Opt for circuit breakers over fuse boxes. Also, the bigger your house, the more you'll cough up for your home insurance. This is because they take into consideration how much it will take to replace your home in the event of a disaster.

3. Your Credit Score.

Just as your credit score affects your mortgage's interest rate, it will also affect your home insurance premium. Insurance companies use your score in order to determine your risk of filing insurance claims. Obviously, the better your credit is, the less you'll pay.

4. Your Discounts.

Make sure that you take every discount that you can, as this will bring your home insurance premium down. You can get a variety of discounts for having the adequate amount of smoke detectors in the house, a home security system installed, and having multiple policies with the same company.

Home insurance premiums and prices for discounts will vary from state to state and company to company. By being familiar with what insurance companies take into account when determining your premium, you can be one step ahead of the game. If you would like to see if you can save on your home insurance after recently installing upgrades, call to speak to one of our independent agents that serve the Richardson, TX 75080 community.