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A standard homeowners insurance policy in Lewisville covers a lot more than just the building itself. Here’s a closer look at what’s typically included:
Many insurers offer discounts to Lewisville homeowners who install safety features that reduce risk. Basic additions like smoke detectors, deadbolt locks, and standard alarm systems typically lower premiums by around 5%. More advanced protections—such as sprinkler systems or alarms monitored by a security company or the police—may offer discounts ranging from 15% to 20%. However, not all systems qualify. It’s best to check with your insurance provider beforehand to confirm which features are eligible and how much you could save.
It depends on how the damage happens.
If a sudden storm rips part of your roof off, allowing rain to pour in and damage the interior, your policy should respond. But if rainwater seeps in over time due to poor maintenance, that type of damage would likely be excluded. Regular upkeep is your best defense—and often a requirement for coverage.
No. Only those with a financial interest in the home—owners, co-owners, or sometimes trust holders—can insure it. The name on the title must match the name on the insurance policy. Trying to insure a property without legal ownership usually leads to a denied claim or policy cancellation.
There’s no legal mandate for homeowners to carry insurance in Texas. However, most mortgage lenders won’t close without proof of coverage. Beyond lending requirements, insurance protects your investment from disasters like fire, hail, and theft—risks that are all too familiar to Lewisville homeowners.
Many Lewisville homeowners cut costs by combining home and auto insurance with the same carrier. Below are average yearly savings based on the number of vehicles:
Discounts vary depending on the insurer, location, claims history, and coverage limits. These are ballpark figures, but bundling often makes a noticeable difference.
Yes, certain breeds do impact your homeowners insurance in Lewisville. Some insurers view dogs with a history of aggression or large, powerful breeds as higher risk for liability claims. This might raise your premium or limit your options.
If your dog falls on a restricted breed list, talk with your agent. Some insurers are more flexible than others, especially if your dog has completed obedience training or hasn’t shown aggressive behavior.
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