Purchasing your first home is exciting. It can also be terrifying; so many things can go wrong. At Thompson Insurance Services in Highland Village, TX, we are here to help new homeowners get the home insurance coverage they need for their particular home and their circumstances. As independent agents, we offer our customers more choices and personalized service. 

Home insurance can be customized.

Home insurance is not one size fits all. You have options. You determine how much liability coverage makes you feel protected. You choose the deductible that makes sense to you. You select the type of content coverage that you want, replacement cost, or actual value. 

Home insurance doesn’t cover everything.

You may feel that you and your home are safe when you have a good home insurance policy. No matter how good your policy is, it doesn’t cover everything. You are not protected against floods, earthquakes, landslides, sinkholes, termites, mold, and sewer backup. Owner neglect is also not covered. 

Your policy has limits. 

No matter which type of content coverage you choose, certain categories have limits. You need an endorsement to raise the limit if you have lots of jewelry. If you have art or antiques, you need to add an endorsement. Electronics do not have unlimited coverage. Read your policy carefully to make sure you have enough coverage. 

Not all dogs are covered.

Some breeds of dogs are considered so dangerous that home insurance won’t cover them for liability. Check with your insurance agent to ensure your breed is covered if you have a dog. 

Contact Thompson Insurance Services in Highland Village, TX if you have questions about home insurance, whether you are a new homeowner or would like to have your current policy reviewed.