There are a number of reasons, such as the age of the home or its location, for which insurance companies won’t insure a Frisco, TX home. Frustrated buyers have a resource into which they can tap called the voluntary inspection program. Hiring a voluntary inspection program inspector will get you a certificate of insurability.

The house has to meet standards such as:

    • In good repair

    • Wiring, plumbing, and HVAC in good condition

    • Roof not leaking and in good condition

    • Fencing around pools, ponds, other bodies of water, and trampolines

Quote Savant would like for you to hear more about this program.

For What Reasons Would An Insurance Company Not Insure A House?

Today’s world is more perilous than it was back in the day. Nowadays, the crime level alone would stop a Frisco, TX insurance company in its tracks. Add to this the last few years’ proliferation of catastrophic storms. Your credit numbers could have fallen below the level at which the insurance company would insure you. Even getting a new puppy could do it (they’ll chew the baseboards if there aren’t shoes to chew.)

What Happens When You Get The Certificate Of Insurability?

It means that no insurance company can deny you coverage unless it (a) inspects your house again and (b) puts it in writing. The certificate is acceptable for three years unless you alter the property considerably. If you do, the insurance company can have the property inspected again. You might also be required to produce a statement that the property hasn’t been modified much.

Schedule A Consultation Today!

Insurance companies have to keep up with changing times. This can put new home buyers at a disadvantage sometimes. Call or visit Quote Savant so that we can guide you through the changing times with good home insurance.

Keeping your home safe and sound often involves more than simply locking up at night or installing a security camera. There are many things that can affect the security of your home including needed home repairs. There are certain repair jobs that if neglected, can drastically impact the safety of your home. Here at Quote Savant, we want to help homeowners in Frisco, TX and the surrounding areas better understand how to increase home security.

Let’s take a look at house repairs that affect home security:

Faulty Windows

Windows are a vital part of home security. Windows are especially important because there are so many of them throughout your home. You really must consider that each individual window is another entry point into your home for would-be criminals. This is why securing your windows and keeping them in proper working order is vital. When window integrity starts to fail, you might wind up with a security issue.

Wooden windows are susceptible to rotting which makes it very easy to gain access. Locks on windows can also wear out over time and become easy to loosen. Make it a point to check the integrity of your windows a few times a year. If you find repairs are needed, do not procrastinate. 

Old Locks 

Locks are not usually at the top of our list of priorities when it comes to making home updates, but the truth is that locks absolutely need to be updated if they are starting to wear out. You’ll know you have a faulty lock because it will either become too easy or too difficult to unlock. Door knobs that seem loose in the door are another sign you might need new locks. 

Reach Out To Us

If you would like to learn about home insurance products, please contact us at Quote Savant serving Frisco, TX and the surrounding areas. 

If you own a home in Texas, you may be wondering what exactly home insurance policies cover. Our agents at Quote Savant serving the Frisco, TX area want to assist you with all of your home insurance needs. They know and understand that your home is probably one of the largest investments you will ever make in your lifetime, and they want to help you protect that investment.

What Does Home Insurance Cover?

Home insurance we’ll cover the structure of your home if it is damaged or destroyed by a fire, a natural disaster, or even an act of vandalism. It can also help you replace items inside your house if one of these events occurs or if they are stolen due to a burglary. Some of those items might include your personal belongings, household items, and even your furniture and appliances.

Many home insurance policies also cover buildings that are located throughout your property. Some of these can include your garage, deck, shed, and even a swimming pool in some cases. 

A home insurance policy will also help protect you from lawsuits. For example, if a visitor to your home slips and falls down your front stairs, they may need medical attention. Your home insurance policy will help cover their medical bills and even lost wages from their job if they need to be off work for a certain period of time due to their injuries.

Reach Out for a Quote!

Home insurance policies are very important to have in place to protect the investment you make in your home. Most mortgage lenders will also require you to have home insurance to protect the investment that they have made in your home. You can work with your home insurance agent at the Quote Savant serving the Frisco, TX area to ensure you create a policy that offers an adequate amount of insurance for you and your property! Call today for a quote and to get your policy started!

Homeowner insurance is not a requirement for those who live in Frisco, TX, but most lenders will compel you to purchase a policy when you have a balance on your home. In addition, many homeowners whose homes are paid for choose to protect their assets and personal possessions by securing indemnification. 

What Hazards Do Homeowners Often Face?

Storms are an issue that is experienced by homeowners, and these can vary, depending on the location of your residence. More often than hurricanes, however, people face problems caused by severe wind, as this can happen with greater regularity.

High winds can occur during blizzards as well, doing damage to roofs, shingles, and shingles. Frisco, TX denizens may be impacted by tornadoes, as over 125 have happened since recorded meteorological history. Quote Savant aims to help homeowners like you by answering your questions in this regard.

Flooding is an issue for homes situated in low-lying areas or that are in the path of drainage ditches or gullies that overflow. Wet weather streams are also a frequent peril to homes, and properties on paved streets can be subject to flash flooding when water accumulates too rapidly for sewer systems to accommodate. 

Hail is a fairly prevalent phenomenon that can crack windows and ricochet to damage roofing or cause dents in aluminum or vinyl siding. Chimneys, vents, and gutters can also be affected. Hail stones can vary in size, and the speed at which they travel determines the intensity with which they will hit your home. Some have been known to fall as fast as 100 miles per hour.

We Can Insure Your Home

Contact us at Quote Savant for more information on our products and services. We can be reached online, via telephone, or by stopping in the office.