It might be hard to believe that the home of the Dallas Cowboys only had a few hundred residents by the mid-1920’s. The latest U.S. census counted over 200,000 people living in this Dallas-Fort Worth suburb. If you have a house in the area, here are some tips to find the right Irving, TX homeowners insurance.
It's easy to get insurance with a local Trusted Choice® agent. These independent agents will provide you with free Irving home insurance quotes, from multiple companies that do business in the city. To get started, contact an agent today.
Irving's neighborhoods are quite diverse. Las Colinas is, for example, one of the first master-planned communities in the country. The city also contains older, historical buildings. Your home's location within the city affects your insurance premiums. Insurers will consider a home’s value, condition, building materials, age and many other things when they assign rates.
Standard home policies provide a package of protection. These are some popular coverage types that may be included in your policy:
Most of this coverage will only protect you against types of damage that are included in your basic policy. Usually covered causes include fire, hail, wind, lightning, burglary, and vandalism. It might be very important to determine what types of damage are not covered by your Irving homeowners insurance policy as well.
Water damage from floods, or even sewer backups, might be excluded from your coverage. This area does experience heavy rains and floods from time to time. Fortunately, the community also participates in the National Flood Insurance Program, which allows local home owners to purchase flood policies.
The entire DFW area suffers a high rate of tornadoes. During periods of heavy rains the area is also vulnerable to flooding. Although the area usually has a subtropical climate, hail storms and winter freezes do occur periodically. To get protection from special natural disasters, like wildfire, flood or earthquake, you can often purchase coverage as a separate policy or as a rider to your homeowners policy.
Although Texas has a high number of burglaries when compared to the national average, the city of Irving has an average number of burglaries when compared against the national average.
You can protect your own house and property against loss and damage by reviewing your building and personal property coverage to make sure it is adequate. Some insurers will offer a discount for the installation of a home security system too.
Do you need to purchase a new home policy, or find out if your old coverage still adequately protects your house? Consult a local agent in the Trusted Choice network. These independent agents will provide you with free rate comparisons from a variety of local companies, and advice about which coverage options to select.
Get in touch with a local agent right away to learn more.