When the original city of Lubbock relocated in the late 1890s, the owners of the Nicolett Hotel put it on wheels and moved it to the new location. They knew the value, whether real or sentimental, of their property. If you live in this city, you likely also know the value of protecting your home and property, so you may want to be sure you are getting a suitable Lubbock, TX homeowners insurance policy.
Independent agents in the Trusted Choice® network have offices right in the city. One of these agents can help you compare Lubbock home insurance quotes and determine how much coverage you need. Whether you are a new home buyer or you are wondering if you can find better rates, contact a local member agent for assistance for assistance and start comparing Lubbock home insurance quotes today.
Home insurers will base your rates on your house and property's many unique features. Some factors they will take into consideration include your home’s condition, exact location and current market value.
Most home policies contain a package of protection that emphasizes property and liability insurance. The types of coverage you can discuss with your local agent include:
Be aware that not all incidents may be covered by your policy. Your Lubbock homeowners insurance plan, for example, will most likely exclude earthquakes and floods from coverage. A local member agent can explain the risks and suggest alternate coverage options so that you can supplement your policy to achieve full coverage.
Lubbock lies in an area of the central United States that experiences a high incidence of tornadoes. According to the U.S. government’s National Atlas website, the highest incidence of tornadoes in this area occurs in the spring. A tornado can lead to the complete destruction of your home. You will want to be sure that your Lubbock homeowners insurance policy provides coverage sufficient to allow you to rebuild your home and replace your lost personal items.
Like many semi-arid regions in Texas, sudden rainstorms do occur, and severe rainstorms can cause flash floods. Flooding usually occurs after short but very intense rains. High-risk zones are usually around the lakes and the canyon. If you are at risk for flooding, speak to a Trusted Choice agent about supplementing your home insurance with a Lubbock flood insurance policy.
Unfortunately, Lubbock is considered a fairly high crime area when compared to other U.S. cities. In order to protect yourself from the financial losses associated with property crime, be sure you have adequate building and personal property coverage. You may want to consider installing a burglar alarm. It can help deter criminals and might even earn you a discount on your policy, as insurers do reward preventative home maintenance and security measures.
Comparison shopping for home insurance policies can be a fairly daunting and time-consuming task. A local Trusted Choice member agent can simplify this process for you. Your local agent can answer your insurance-related questions, help you determine your coverage needs and find you a variety of suitable policies at competitive rates.
Trusted Choice agents will continue to work with you long after you have purchased your policy. They will be available to offer personal service if you need to make a change to your policy and can even advocate for you if you need assistance while filing a claim. Contact a local Trusted Choice member agent today to learn more about your Lubbock homeowners insurance choices.