Welch Brand Insurance Services
1212 N. Locust
Denton, Texas 76201
P.O. Box 946
Denton, TX 76202
Phone: 940.220.7232
Fax: 888.310.1660

Email: insurance@ntin.net

Join us on Facebook

Counties:
Denton, Dallas, Cooke, Wise, Parker,
Collin and Tarrant

Including the cities of:
Denton, Lake Dallas, Hickory Creek, Corinth, Flower Mound, Lewisville, Argyle, Pilot Point, Plano, Frisco, Dallas, Keller, Forth Worth, Aubrey, Sanger and Gainesville

 

Homeowners Insurance

Most of us buy homeowners insurance because it's a condition of getting and keeping a mortgage. However, homeowners insurance is much more than a requirement: it's peace of mind, security and protection for your property and possessions.

Homeowners insurance is basically designed to bring your home and possessions back to the same condition they were in before a loss occurred.



 

 

 


Below is a list of of several quality property and casualty companies I represent. Using these companies, I can assist you in finding the coverage that best suits your needs.

  • Travelers Insurance
  • Republic Group
  • Fidelity National Insurance
  • Hartford Insurance
  • Cypress Texas Lloyds
  • ASI Lloyds
  • National Lloyds
  • Modern Home
  • Lexington Home
  • Fireman’s Fund
  • USF&G Home
  • American Modern ( Mobile Homes)

FAQ's & What you should know about your policy !

Your policy premium could be based on several factors which could include: county where you live, age of house, level of fire protection available, credit score, claims history, type of policy you want, construction type of your home & companion policies (if any).

There are several ways to save on your home insurance: (not all companies offer the same discounts)

  • Higher Deductibles
  • Companion Policies… i.e.: Home, Auto, Life all with the same company
  • Monitored Security System
  • Upgraded or newer utilities… i.e.: new a/c or heater system, roof, electrical system

Claims History is extremely important, many companies use a CLUE Report (Comprehensive Loss Underwriting Exchange). You have a right to challenge any wrong information on this report… get a reference number from the company giving you the CLUE report and call 1.800.456.6004.

Dwelling: pays for damage to your house and any outbuildings, such as detached garages and storage sheds.

Personal Property: pays when household items, including furniture, clothing & appliances are damaged, stolen or destroyed.

Liability: protects you against financial loss if you are found legally responsible for someone else's injury or property damage.

Medical Payments: pays medical bills for people hurt while on your property.

Loss of Use: pays living expenses if your home is too damaged to live in during repairs.

Deductibles: The amount of money you pay before your insurance kicks in. Deductible 1 is for wind & hail; deductible 2/3 is for the home & personal property.

Flood Insurance: any damage from rising water is not typically covered under a home policy and needs to be purchased separately from your agent

Valuables: jewelry, watches, furs etc… are typically covered for $500 for fire & theft from the home. A more comprehensive type coverage would be adding a Scheduled Personal Property endorsement for additional premium to your policy.

Replacement Cost: a separate endorsement for both the dwelling & personal property; provides payment based on current cost verse a depreciated cost to repair/replace your home or a personal item.

Click here for a printer-friendly version of "Welch Brand Insurance Homeowner Tips".

Please contact me for more information on Homeowners Insurance.

To submit a Homeowners Quote, click here.