Don’t Skimp On Your Home Insurance

home insurance

You don’t want to find out you do not have enough coverage for your home when it’s too late. With the recent tornadoes in the North Dallas area, now is a good time to re-evaluate your insurance needs. Is your home adequately covered? A typical home insurance policy covers tornadoes and high winds. However, you may need separate coverage for floods, hurricanes, and earthquakes.  It is also important that your policy is for the replacement cost of your home, rather than the market value. The bottom line is: know what your policy covers and don’t skimp on your home insurance

If Your Home Were Destroyed

If your home were destroyed, are you insured for 100 percent of the replacement cost? The replacement cost is the amount of money it would cost to rebuild your same type of house with the same level of quality as the original structure.

Consider the area you live in when re-evaluating your policy. Is your area susceptible to mudslides, hurricanes, floods, fires, or earthquakes? If so, you may require additional coverage. Discuss these issues with your insurance agent. Although it can be daunting, it is essential that a review of such exposures is done when re-evaluating your insurance coverage.

Type of Home

You may consider taking out a special policy depending on the type of home you own. For instance, some insurance carriers offer special policies for historical homes, condominiums, or estate-quality homes. If you own such a home, purchasing a special policy may be in your best interest.

Insurance Reviews

Don’t wait until it is too late to find out that you do not have adequate coverage. An in-depth review of your insurance coverage is recommended every three to five years. Now may be a good time.


With over 20 years of experience in the insurance industry, the Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets and put your mind at ease. To learn more, or to get a free quote,  call our Carrollton office today at 972-492-8500.