Protect Your Home with the Right Coverage at the Right Price
“Richey Insurance Agency works for you, not just one insurance agency!”
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Homes in Carrollton face a mix of weather, population growth, and rising rebuild costs. A standard homeowners insurance policy with Richey Insurance Agency helps reduce out-of-pocket losses with solid coverage options tailored to your address—not a generic template.
Coverage highlights include:
Some homes need more than a basic policy. Whether you have fine jewelry, a detached garage, or a pet with a past, additional policies help bridge the gaps in protection. Here’s a quick guide to add-ons:
| Add-On Type | Why It Matters |
|---|---|
| Jewelry/Floater Policies | Covers high-value items like engagement rings |
| Flood Insurance | Protects against rising water damage |
| Windstorm or Hail Endorsements | Helps cover storm-prone roof or siding damage |
| Umbrella Liability | Extends personal liability limits |
| Animal Liability | Addresses claims involving household pets |
Yes. Without it, replacing your home or belongings after a fire or storm means paying out-of-pocket. As construction and materials go up in price, so does the cost to rebuild—even if the mortgage is gone.
Yes, if the tree falls due to a windstorm or other covered event. It covers attached structures like your garage. However, for detached buildings like sheds or fences, a specific add-on may be required.
Damage from hail, wind, or accidents is typically covered. Gradual wear and aging aren’t. Roof protection often depends on how the damage happened and whether the right endorsements are included in your policy.
Simple steps help you save over time. Start with these:
It’s the amount you agree to pay first before insurance pays for the rest. For example, if you have a $1,000 deductible and a covered loss of $5,000, your insurance company pays $4,000.
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