Category: Home Insurance

What Home Owners Should Know About Home Insurance

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Purchasing a home is a big deal. You will want to make sure everything is perfect in your new place. As you are busy getting things set up, don’t forget about homeowner’s insurance. This important type of coverage will ensure that your home is protected. At Ellis Insurance Agency serving San Antonio, TX and the surrounding areas, we are here to help answer your insurance questions. Keep reading to learn more about home insurance. 

Who Needs Home Insurance?

Home insurance is often required if you have a mortgage on your home. Even if you do not have a mortgage on your home, though, home insurance is the best way to protect the money you have invested in your home. Your house is more than just a house. It is both an investment and a safe place for you and your family to grow. Having the proper insurance in place brings you peace of mind. 

What Does Home Insurance Cover?

Home insurance is a type of insurance product that is designed to pay if your home is damaged because of fire, natural disaster, or burglary. With the proper insurance in place, you will not have to worry about paying for these expenses out of pocket. 

Home insurance offers coverage for the following areas:

  • Property Damage- If the home is damaged or lost, the policy will kick in to repair or replace your home. This gives you the peace of mind of knowing that you will always have a home for yourself and your family. 
  • Liability Coverage- If someone is hurt in your home or on your property, liability coverage will pay for any medical bills or legal fees that may result. 

If you would like to learn more about our services, please contact us at Ellis Insurance Agency, serving San Antonio, TX, and the surrounding areas. 

 

 

Winter Freeze Safety Tips

Posted on by Ashley Ellis

Are you ready for the big chill? Please follow these guidelines to ensure you keep your family, your home, and your animals safe!

Here are some DO’s and DONT’s to help keep you safe this winter:

DO:

  • Make sure you have enough food, water, and prescription medication to last 3-4 days.
  • Bring all outdoor pets inside.
  • Use cat litter or salt for icy driveways if you must leave.
  • Remove debris from your gutters to prevent stagnant water that could freeze.
  • Have battery powered flashlights available.
  • Wear a tightly woven, preferably wind-resistant coat or jacket; inner layers of light, warm clothing; mittens; hats; scarves; and waterproof boots.
  • Bring potted plants inside or clump together; cover outdoor plants.

DON’T:

  • Don’t use an oven or stove to heat your home.
  • Don’t leave pets outside.
  • Don’t overexert yourself – stay hydrated if you are working outside.
  • Don’t place a space heater on top of furniture.

We all hope you stay safe and find these winter safety tips helpful!

Advantages of Home Insurance

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A home is a valuable investment for all homeowners. This brings the need to protect it from disasters like fire and theft, using various home insurance coverage. To avoid a significant financial loss, Ellis Insurance Agency of San Antonio, TX explains the advantages of having home insurance.

Protect Contents in Your Home

Apart from protecting the external structure of your home, insurance covers the contents inside as well. This means that in case of a fire, water damage, or theft and your valuables are either stolen or damaged, home insurance will compensate you for the costs of repairing or replacing property.

Peace Of Mind

No matter the amount of financial security one has, ensuring their home is secured will give them peace of mind. Home insurance offers a sense of security to homeowners by seeing that they are compensated after a loss.

Provides Temporary Living Expenses

Your house may suffer severe damage to the point it becomes uninhabitable. This will require you to find alternative shelter till your home is restored to its original state. Home insurance will help cover the cost of the temporary expenses, including accommodation costs, travel expenses, and meals.

Protect Your Family

Home insurance also provides family coverage. If any of your covered family members cause an accidental bodily injury or property damage to a third party, home insurance can help compensate for those losses. It can be by covering medical bills or the cost of repairing damaged property.

Protect You From Lawsuit

Depending on the policy you have chosen, you can protect yourself or your family members from lawsuits. If someone accidentally gets hurt or their property gets damaged in your home, a home insurance policy will help you cover legal fees or compensate the third party for the damage.

If you are shopping for home insurance to enjoy the benefits mentioned above, you can give us a call at Ellis Insurance Agency. Our San Antonio, TX agents will take you through the different policies and help you choose a suitable one.