Category: Home Insurance

An emergency can strike at almost any time. Whether it is a tornado, a flood, or a winter freeze, being prepared will make the whole situation a lot less stressful. At Boss Insurance Agency in Kingwood, TX, we have 15 years of experience helping our clients find reliable and affordable insurance coverage. As an independent insurance agency, our loyalty is to our customers, not to one particular carrier which allows us to provide more choices, and ultimately, you will get the best possible deal. 

Stock up

You won’t always have a warning, but when you get into the season where emergencies are likely to pop up, make sure you have at least a 7-day supply of necessities, including water. Keep in mind that if you lose power, you may not have tap water or a flushing toilet. 

Have a generator

Having a generator can make all the difference between sweltering in a hot home or sitting in your cooled home. It also helps keep your food from spoiling in your refrigerator or freezer. You don’t have to spend a fortune to have this backup. Be sure to have enough fuel to fill it up at least once. 

Have an evacuation route

Plan ahead with the entire family. Know where you are supposed to meet and the route you will take to get to safety. This plan can save lives. Review your plan frequently and make any changes you need to make it work. 

Have your important papers together

If you are in danger you may forget where things are. Have all your important papers in one place preferably in a fire and waterproof container that you can grab and take with you in the event you are forced to evacuate. Your home insurance policy should be in the container as well as your inventory. 

Contact Boss Insurance Agency in Kingwood, TX with your home insurance needs. 

If you’ve never owned a house before (and even if you have), there are likely many home insurance terms that are mystifying to you. The list of more commonly used words and phrases below should help to shed some light. However, you’d benefit from talking to an agent from Boss Insurance Agency of the Kingwood, TX area about anything that’s confusing to you in your policy documents. 

• Additional Insured – This is a person or party besides the policyholder added to the policy and will receive coverage. 
• Claim – A request to your insurance company that they pay you after you’ve experienced a loss. Once the company validates the claim, you’ll receive a payment.
• Exclusion – A type or cause of loss that isn’t specifically covered by your home insurance policy. There should be a section in your policy that lists them and is labeled “exclusions.” 
• Hazard – This refers to an action, circumstance, condition, or situation that indicates a loss is more likely to occur. 
• Inventory – You would conduct a home inventory to present your agent with a list of possessions and their amounts of value so that you can quickly and easily settle claims and report any losses on your tax forms. 
• Perils – A peril would be a specific risk or cause of loss that’s covered by your policy. Some examples are collision, explosion, fire, water damage, and theft. 

When you’re getting homeowner’s insurance, you don’t need to make it a point to understand every single word of the paperwork. It is still important that you know what the major terms mean so that you aren’t surprised to learn what isn’t covered or if there are certain steps you need to take when filing an insurance claim. Contact the experts at Boss Insurance Agency, serving the Kingwood, TX area, and you’ll have some peace of mind.