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Midland has seen its share of damaging storms, from hail and tornadoes to sudden high winds. Over a 60-year period, the area experienced 2,356 recorded extreme weather events, including 1,307 hailstorms and 20 tornadoes rated F2 or stronger. These events can leave lasting damage to both the structure and contents of a home.
The right homeowners policy provides a financial safety net to help repair or rebuild after covered events. Richey Insurance Agency works with you to match your coverage to Midland’s unique weather risks, so you’re better prepared for the unexpected.
Yes, most standard policies treat appliances as personal property. They’re typically covered for specific incidents like water damage from an accidental overflow or fire. Routine wear, mechanical breakdown, or age-related issues are not included those may require a home warranty.
Installing a monitored security system can reduce premiums anywhere from 5% to 20%, depending on the insurer’s assessment of reduced risk. Ask your agent for a carrier-specific estimate.
Yes. Even without a mortgage, your home and belongings remain vulnerable to events like theft, vandalism, and fire. A policy helps avoid paying for major losses out of pocket.
Raising your deductible is a common method. A higher deductible shifts more of the upfront cost to you during a claim, which can lower your monthly premium. Limiting small claims, especially those under $1,000, may also help keep rates steady over time.
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