Wichita Falls originally formed as a community that supported area cattle ranches and was named after its striking waterfall. One interesting note is that a flood destroyed the original falls in 1896, but the city constructed an artificial waterfall to replace it about 100 years later. To protect your own house and property against natural and man-made disasters, you can purchase a good Wichita Falls, TX homeowners insurance policy.
A Trusted Choice® agent with an office right in the city can help you. These independent insurance agents can offer you policy advice and can work with several different insurance companies to help you compare a variety of Wichita Falls, TX home insurance quotes.
While it may be interesting to note the national and statewide average premiums, these averages may not tell you much about your own Wichita Falls homeowners insurance rates. Insurers will consider your home’s value, structure, ZIP code, and many other unique factors before they offer you a rate quote.
In fact, the condition and age of your home may even factor into your rates. Older homes that are not constructed to the latest building standards may not stand up against some threats as well as newer homes. That is why you cannot always use your home’s purchase price as a way to predict your rates.
Premiums might not be consistent, but standard policies are usually fairly similar. You can expect your Wichita Falls homeowners insurance policy to cover:
Most home insurance policies have certain coverage exclusions. For example, damage caused by earthquakes and floods are almost always excluded. If you live in an area that is at risk for floods, you may need to purchase a flood insurance policy through the National Flood Insurance Program (NFIP) if you want to be sure your house is fully covered against water damage.
The Wichita River and several creeks are prone to flooding during heavy rainfalls. The last major flood was from Holiday Creek and improvements have been made in the hopes that they can prevent such a disaster from recurring.
This city experiences some of America's hottest summers, and winters where the temperature never rises above freezing. City residents have experienced many severe weather conditions including heavy rainfall, large hail stones, floods, and powerful tornadoes. In fact, the day that an F4 tornado struck the city is still referred to “Terrible Tuesday” by local meteorologists.
Burglaries can result in both property loss and damage to your home. They can also take a large emotional toll. It is therefore prudent to take steps to protect your home and your belongings from theft and vandalism.
You can install a burglar alarm or home security system. These have been demonstrated to reduce the occurrence of burglary claims and they will often earn you a discount on your home insurance policy. Also, be sure to keep your doors locked with deadbolts and keep your entrances well lit. Most importantly, make sure your home policy has adequate coverage in the event that you lose your valuables to theft.
It is not always easy to find the right homeowners insurance policy or to make sure that the policy you already have is still fairly priced and provides adequate coverage. A local independent agent in the Trusted Choice network will be on hand to help you compare rates and select the right coverage options for you.
If you have concerns about properly covering your home and possessions, contact a Trusted Choice member agent today for more information and answers to all your questions about Wichita Falls homeowners insurance.