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2925 Briarpark Drive
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Houston, TX 77042

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Featured Insurance Blog

Tips for the First Time Homeowner

Congratulations, you’ve become a homeowner. Whether you’ve saved up enough to purchase the quintessential American Dream or inherited a dwelling, you now own property. You’ve done the basic tasks—moved in your belongings, transferred your cable, updated your address, and discarded the last owner’s questionable decor. But what comes next?

The Homeowner’s Primer

First off, you should understand that maintenance falls under your purview now. You may opt to do it yourself or hire professionals. You’ll need to budget for property taxes and home insurance, both recurring and potentially legally required expenditures. Utilities are another essential consideration for keeping your home functional. If you’re part of a Homeowners Association, don’t forget about the associated fees. Get involved with neighborhood associations and local events. Home improvement projects may be desirable or even necessary, especially if you’ve acquired an older home. Refreshing paint or wallpaper could be first on your list. Regular mortgage payments allow you to build equity, leading to financial stability and future opportunities.

City Centre Insurance Agency LLC Now Serves Houston, TX Homeowners

If you’re a homeowner in the Houston, TX area in need of home insurance, feel free to contact City Centre Insurance Agency LLC. Our experienced and knowledgeable agents will do their best to find the policy you need.

Protect Your Home’s Basement from Natural Disasters

Your home’s basement could become damaged during a natural disaster. Use the tips that follow to safeguard the basement. Then, consult an agent about the insurance coverage you need for the basement.

Insulation And Exterior Walls

Insulation and exterior walls prevent heat loss. They also prevent moisture from entering the basement. Have the basement professionally inspected. During the inspection, damaged insulation, cracked walls, and other issues will be identified. Once the repairs have been made, the basement will be protected when inclement weather affects your region.

Drainage

If your basement has flooded in the past, there is a good chance that it could happen again. Poor drainage could be one reason why flooding occurred in the first place. Do an inspection of the property surrounding your home.

The land should be level. Adding gravel and new drain lines to your property could assist with proper drainage. These materials will ensure that rainwater is filtered into the ground. Less water will pool on the property during heavy rainstorms. 

Shutters or Other Window Coverings

Shutters or another type of window covering should be used to protect exposed glass panes. The precautions taken may prevent the glass from breaking if high winds are expected during a storm. 

Possession Records

Prepare records that list and describe the possessions kept in your basement. Once you have prepared the list, decide which of the belongings you would like to add to your home insurance policy.

Contact City Centre Insurance Agency LLC

Reach out to one of our agents who serves Houston, TX, today. Our agents representing City Centre Insurance Agency LLC are experienced at helping customers like you acquire the insurance coverage they need.

Exploring Types of Homeowners Insurance Policies

For homeowners, a homeowners insurance policy is a must-have to protect your property and yourself from risk and liability. Getting the right type of policy will ensure you get the optimal protection for your specific situation. At City Centre Insurance Agency LLC in Houston, TX, all types of homeowners insurance policies.

Let’s look at the common types of homeowners insurance policies:

  • HO-1: Basic Form: As the name suggests, this is the basic form of homeowners insurance and offers the most limited coverage. Your home and personal belongings are insured for their actual cash value against ten named perils. 
  • HO-2: Broad Form: This policy is a worthwhile upgrade from the basic form for those seeking pocket-friendly coverage. The home is insured at its replacement cost value, and personal property is covered at its actual cash value against six named perils. 
  • HO-3: Special Form: The HO-3 policy is the most popular type of home insurance policy, especially among single-family homeowners. It offers coverage for all perils except those intentionally excluded in the policy. Some commonly excluded perils included war, mechanical breakdown, wear and tear, neglect, and intentional loss.
  • HO-4: Contents Broad Form: Also identified as renters insurance, it offers coverage specifically to those who rent homes. It covers your property inside the rented house and anywhere worldwide. For instance, if you travel for a holiday and lose your personal laptop, you will be covered by the HO-4 policy. 
  • HO-5: Comprehensive Form: This policy offers more robust protection for single-family homes. Both the house and personal property are covered at replacement cost value. This coverage is more suitable if you have high-value assets, like gold jewelry and expensive art, within your home. 

Need a reliable home insurance policy in Houston, TX?

Welcome to City Centre Insurance Agency LLC for incredible home insurance offers. Contact us today for free insights on what type of home insurance policy suits you.

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