The word “home” means different things to different people. Usually, one’s home is the one place where a person can feel comfortable and at ease surrounded by the people and things that they love the most. But beyond being a safe place where much of life happens, a home is also the biggest investment that most people will ever make. It only makes sense to purchase a comprehensive home insurance policy to protect this dwelling for its emotional significance and financial importance.
A good home insurance policy should provide coverage for:
- the physical structure of your home,
- the contents of your home,
- your liability in the event that someone is injured at your home,
- the cost to replace your home if it is damaged or destroyed,
- living expenses if you have to leave your home due to a loss or natural disaster.
Where home insurance gets tricky is when determining the dollar amount of coverage you need. How much are your possessions worth? How much will you need to rebuild if your home is destroyed? The more coverage you build in, the higher your premiums will be. The friendly agents at JVM Insurance will help you crunch the numbers so you’ll be fully protected, but won’t be paying more than you need to.
If you own a vehicle in Texas, you’re required to carry auto liability insurance to cover injuries and damages caused by a car accident that’s your fault. However, this minimum coverage only applies to liability in the case of a lawsuit and will not necessarily protect your vehicle, which, besides your home, may very well be the biggest investment you’ve made. Additional auto insurance coverage include:
Medical — covers the driver and passengers in the event of an accident
Collision — covers damage from a collision with another vehicle
Comprehensive — covers damage from things other than collisions, such as theft, fire, flood, hail, or tornado
Rental Reimbursement — covers costs associated with renting a car while yours is out of service
Towing — covers costs associated with towing after an accident
Car insurance rates vary tremendously. Our skilled JVM Insurance agents will see to it that you get comprehensive car insurance at the most competitive rate.