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Allied Insurance Agency

2511 S Arthur St,
Amarillo, TX 79103

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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.