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Homeowners insurance is designed to help protect against a wide range of risks, from fire damage to theft and liability. While policy details vary, most plans include the following six core coverage types:
Most insurance companies offer a variety of discounts in Highland Village. These may include savings for bundling policies (like home and auto), having a clean claims history, living in a gated community, or installing a monitored alarm system.
Rates are influenced by multiple factors, including:
Home upgrades make a difference. Replacing outdated plumbing or wiring can reduce the risk of damage and your rate. Adding smart home security features may also qualify you for discounts.
If your home isn’t insured for at least 80% of its current rebuild value, the insurer may reduce your claim payout after a loss. Meeting the 80% threshold helps avoid being underinsured during a major repair or rebuild.
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You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
