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2511 S Arthur St,
Amarillo, TX 79103

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Why You May Be Required to Have Home Insurance

Home insurance is more than a need for anyone who owns a home; it’s often also a requirement. Many entities require homeowners insurance. If you don’t yet have your policy, please call us at Allied Insurance Agency in Amarillo, TX, to find out more.

Mortgage Lenders

Virtually all mortgage lenders require you to have home insurance. They’re investing heavily in your home and want to protect their investment. Most lenders require the home insurance policy to be in place before you can close on the home. If you plan to buy soon, a home policy needs to be set up. This policy can take effect on the closing day.

HOAs

You will likely need home insurance if you live in an area governed by a homeowner’s association or HOA. These organizations aim to ensure the ability to repair any damaged homes in the area and protect property values. Without home insurance, derelict houses that suffered damage but can’t afford to repair pose a risk. Ensuring all homeowners maintain home insurance assures everyone that funds will be available for necessary repairs.

Covenants

Most areas have covenants whether you have an HOA or not. Most home buyers must acknowledge these covenants when they purchase their home; having home insurance is usually part of this. The reasoning behind it is the same as for HOAs: to prevent property values from dropping.

Acquiring Home Insurance

If you’re purchasing a house, you should acquire home insurance to cover you from day one of ownership. Contact us at Allied Insurance Agency in Amarillo, TX.

Tips to Minimize Potential Liability Issues Around Your Home

As a homeowner, protecting yourself against potential liability issues is crucial for safeguarding your financial well-being and ensuring peace of mind. At Allied Insurance Agency, we provide home insurance to residents in the greater Amarillo, TX area. We’re committed to helping homeowners mitigate risks and create a safer environment for their families and visitors. 

1. Keep Walkways Clear and Well-Maintained

Regularly inspect and maintain walkways, driveways, and pathways around your home to ensure they are free from hazards such as cracks, uneven surfaces, and debris. Proper lighting and clear pathways help prevent slips, trips, and falls, reducing the risk of injuries to visitors and guests.

2. Secure Outdoor Areas and Play Equipment

Ensure outdoor areas, including decks, patios, and play equipment, are properly secured and maintained. Install sturdy railings, repair loose boards or steps, and regularly inspect play structures for signs of wear or damage. Keeping outdoor spaces safe and secure minimizes the risk of accidents and injuries.

3. Maintain Adequate Home Security Measures

Invest in home security systems, including alarms, motion sensors, and surveillance cameras, to deter potential intruders and protect your property. Secure doors and windows with sturdy locks, and consider installing security lighting to illuminate dark areas around your home.

4. Properly Store Hazardous Materials and Tools

Store hazardous materials out of reach of children and pets. Follow manufacturer instructions for proper use and disposal of hazardous substances to prevent accidents and exposure to toxic chemicals.

At Allied Insurance Agency, serving the greater Amarillo, TX area, we understand the importance of protecting your home and loved ones from potential liability risks. Our knowledgeable agents can help you assess your insurance needs, review coverage options, and tailor a home insurance policy that provides comprehensive protection and peace of mind.

Why should I always have a home insurance plan for my Texas property?

Owning real estate is a good idea for a lot of people in the Amarillo, TX area. If you would like to buy a property in this area, it is important you do all that you can to protect your assets and your investments. A great way this is done is by getting home insurance. You should always carry a home insurance plan in this area for various reasons. 

Receive Helpful Coverage

A primary reason to always have home insurance for your Texas home is to receive helpful coverage. Home insurance offers some very valuable forms of insurance. This includes coverage for your assets and dwelling, your personal assets, and personal liability insurance. This will not only offer some comfort but also ensure you are prepared and ready for a variety of challenging situations that could come with stress and financial risks. 

Meet Insurance Standards

You also need to have home insurance for your Texas home to ensure you meet any requirements and insurance standards. Most people who own a home are going to finance the purchase with a mortgage. Other people may live in a larger home association. In these cases, you are likely going to have specific insurance rules that need to be followed. Carrying coverage will ensure you comply. 

Consult With Us

Home insurance in the Amarillo, TX area is something you should always consider getting. If you are trying to get a new home insurance plan when you are in this area, it would be very smart to call our team with the Allied Insurance Agency. Our professionals with the Allied Insurance Agency will offer any help that you need to build and create your next plan to ensure your needs are met and your home is properly covered. 

Things home insurance won’t cover

Home insurance is a valuable asset to any homeowner. It helps to protect what may very well be your largest investment. If you haven’t already read your home insurance policy for exclusions, it is a good idea that you do so. The team at Allied Insurance Agency in Amarillo, TX is available to discuss your home insurance and help you determine the level of coverage that is right for you. 

Home Insurance Exclusions

Earth movement

A traditional home insurance policy will not cover things like sinkholes, mudslides, earthquakes, and landslides. If you want to have this coverage, you will either have to add an endorsement to your current policy or add a completely separate policy. 

Flood

Flooding due to busted pipes is covered with your traditional home insurance, but if it is surface water, it won’t be covered. Flood insurance can be purchased through the NFIP (National Flood Insurance Program) and has two options; property coverage and content coverage. 

Sewer backup

One of the most disgusting things that can happen to your home is to have the sewer back up into it. Even more disgusting is the fact that it is not covered by your home insurance. 

Owner neglect

The insurance company has the expectation that a homeowner will maintain their property and not let it run to rack and ruin. If your home ends up with termite damage, mold, mildew, rodent infestation, or other preventable damage, your home insurance will not pay for the repair. They have an expectation that you will get the necessary treatment done before your home sustains any damage. Owner neglect also means normal wear and tear and just aging. The best option is to maintain your home. 

We Can Help!

Contact Allied Insurance Agency in Amarillo, TX if you have questions regarding home insurance. Give us a call or email us through our website. 

Tips to prepare your house for a storm

With the spring and summer seasons quickly approaching, it’s important to make sure that your home here in the Amarillo, TX area is prepared for storms.

Here are a few tips from us at Allied Insurance Agency to help you get ready:

1. Inspect your roof for any damage or weak spots that could allow wind or rain to enter your home. Make repairs as necessary.

2. Clean the gutters and downspouts of leaves and debris so water can flow freely away from your house.

3. Trim back trees and shrubs that could potentially fall on your home or cause damage during a storm.

4. Install window shutters to protect windows from high winds and flying debris. You can also use plywood to cover windows as an alternative option if you don’t have shutters installed already. 

5. Secure outside furniture like patio umbrellas, tables, chairs, grills, and other items that could blow away in strong winds. 

6. Ensure all entry points are sealed with weather stripping if they are not already properly insulated against moisture intrusion or drafts. 

7. Have an emergency kit ready with flashlights, extra batteries, snacks, water, first aid materials, and an NOAA weather radio in case of power outages due to severe weather.  

8. Be sure to update your homeowner’s insurance policy so it provides adequate coverage in case of catastrophic damage caused by a storm. 

9. Have a plan in place in the event of an emergency and practice it with your family members regularly. Make sure everyone knows where to go, who to contact, and how to get help

Give Us A Call

By following these tips, you can ensure that your home is prepared for a storm before one hits! If you have any additional questions or want to explore a new homeowners insurance policy, give us at Allied Insurance Agency a call today We are proud to serve the Amarillo, TX area.

Protect Your Most Valuable Asset with Home Insurance

Are you a homeowner? Would you like to be? Allied Insurance Agency, serving the Amarillo, TX area, is here to assist with all your insurance needs.

Protect Your Most Valuable Asset with Home Insurance

Homeowners insurance covers a private home. It is personal insurance protection that includes losses occurring to the property, its contents, and loss of use, as well as liability coverage for accidents that occur in the home or at the hands of the insured within the policy area.

The cost of homeowner’s insurance depends on the replacement cost of the home and any additional riders attached to the policy.

If a mortgage is carried on the home, the lender will require the buyer to purchase homeowners insurance as a condition of the loan. They require it to protect their interests in the event the home is destroyed and is a total loss.

Even if a property is mortgage-free, it is recommended that homeowners insurance be purchased. Why? You risk losing your home in the event of a lawsuit. Let the liability portion of the policy pay for the settlement. Otherwise, you will need to pay for it out-of-pocket.

Here are some basic perils which are covered in a homeowner’s insurance policy:

  • Aircraft or auto collision
  • Explosion
  • Fire
  • Hail
  • Lightning
  • Riot or civil unrest
  • Smoke
  • Vandalism
  • Windstorm

There are some things that a homeowner’s insurance policy will not cover:

  • Bird damage
  • Earthquakes or movement of the earth
  • Floods
  • General wear and tear
  • Insect damage
  • Mold
  • Poor workmanship
  • Rot
  • Rust
  • Smog or smoke due to agricultural or industrial operations

If your home is damaged by a peril that is covered in the policy, like a weather event, fire, vandalism, or sudden or accidental water damage, the policy will likely cover it. However, most policies will not cover structural or foundation issues that occur over time. The causes of foundation damage will fall under the natural cracking, settling, and shrinking exclusion.

Give Us A Call

The Allied Insurance Agency in Amarillo, TX can answer any questions you may have. Contact us today.

What you need to look for when reviewing your homeowners’ policy

Allied Insurance Agency is proud to serve the insurance needs of the Amarillo, TX community. If you have questions about home insurance, we are here to help! Our team understands just how important it is to protect your family’s home. Give us a call or come by our office today to learn more.

It’s important to review your homeowner’s policy on a regular basis

Having the right homeowner’s insurance policy is an important part of responsible home ownership. If you have a homeowner’s policy that hasn’t been updated or closely reviewed in some time, now is a perfect time to do so. Reviewing your homeowner’s policy is something that you should do at least once a year. 

When your policy comes up for renewal, go ahead and take out your policy and give it a close look. You will want to make sure that it provides sufficient coverage to protect your house and its contents. Keep in mind any improvements you have recently made to your house, or any large-ticket items that you have purchased. These two factors are the two most likely to alter your home insurance policy needs.

If you discover that you are underinsured, or that there are gaps in your coverage, be sure to take swift action. Having the right amount of homeowner’s insurance in place at all times will help you to adequately protect your home, now and well into the future.   

Give us a call today!

Amarillo, TX area residents can turn to the team at Allied Insurance Agency for all of their insurance needs. If you want to make sure that your current homeowner’s policy provides the protection you need, give us a call or stop by our office today!

Types of Homeowner’s Insurance

When looking at insurance for your new home, you may have many questions. Even worse, each plan is different, so it can be hard to figure out what you need and don’t need. Before you even get started, Allied Insurance Agency in Amarillo, TX encourages you to study the following: 

Types of Homeowner’s Insurance

HO-1, otherwise known as basic form insurance. This protects your dwelling only. 

HO-2 is broad form insurance. This is better than basic because it also covers your personal possessions and additional perils.

HO-3 is the most common type of homeowner’s insurance. It covers the dwelling, your belongings, and even liability. This will protect you if anyone is injured at your home.

HO-4 is commonly known as renter’s insurance. It covers your possessions and liability, with no dwelling.

HO-5 is comprehensive insurance. This is usually only given on homes that were just built. It covers more than the typical homeowner’s insurance policy. 

HO-6 is also known as condo insurance. It covers the condo, as well as passions, and liability. 

HO-7 is insurance for mobile homes. It is similar to the standard homeowner’s insurance, but for mobile homes.

HO-8 insurance is for homes that are older and historical. If you are looking at an old home that has some character, you might need this type of insurance. 

Homeowner’s insurance comes in many forms, depending on what they protect (and what you need). If you are a renter, you won’t need to worry about the building, just liability, and your things. If you have a condo or a mobile home, there is specific insurance for each of them. 

In order to get the right insurance, you need to talk to a professional. Don’t hesitate to contact us today at Allied Insurance Agency in Amarillo, TX.