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Every home in Cleburne has its own story and its own risks. Richey Insurance Agency offers flexible coverage add-ons to keep your property, valuables, and finances protected from life’s unpredictable moments. Our team helps customize each policy so you only pay for the protection that makes sense for your home.
Flood Insurance
Rainfall and flash flooding can cause costly damage in parts of North Texas. Standard homeowners insurance doesn’t cover flood damage, which makes this add-on vital for properties near creeks, rivers, or low-lying neighborhoods. Flood insurance offers peace of mind during heavy storms and protects your investment against rising water.
Water Backup Damage
A backed-up drain or sewer line can quickly damage floors, walls, and furniture. With water backup coverage, those repair and cleanup costs don’t have to come out of pocket. It’s a simple way to safeguard against one of the most frustrating household mishaps.
Jewelry Insurance
High-value jewelry, watches, or heirlooms often exceed the limits of a standard home insurance policy. A separate jewelry endorsement provides expanded coverage in case of theft, loss, or accidental damage. It’s the smart way to protect the pieces that mean the most.
Umbrella Policy
An umbrella policy adds extra liability protection beyond your homeowners coverage. It’s especially useful for those with higher-value assets such as luxury vehicles, pools, or
Most policies include coverage for your home’s structure, personal belongings, and personal liability. They also cover additional living expenses if repairs force you to temporarily move out.
Hail, wind, and lightning are the most common causes of damage in the area. Occasional flooding and tornado activity can also impact local homes, making optional coverages worth considering.
Insurance providers review several details such as the home’s age, construction materials, roof condition, neighborhood location, and your claims history. Homes with safety features like alarms and reinforced roofs may qualify for better rates.
Foundation damage from settling or wear is generally excluded, but sudden plumbing leaks that damage the foundation may be covered if you have a foundation water damage endorsement.
Bundling your home and auto policies, increasing your deductible, maintaining strong credit, and avoiding claims over time are all effective ways to lower your premium. Upgrades such as impact-resistant roofing or storm-rated windows may also help reduce costs.
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