Natural Disaster Coverage: What Your Home Insurance Policy Should Include

Do you know if your home insurance policy adequately protects against natural disasters? Here at Presley Insurance Group, serving Dallas, TX, and the surrounding areas, we understand the importance of having comprehensive natural disaster coverage as part of your home insurance. Here’s a guide on what to look for to ensure you’re adequately protected.

Understanding Natural Disaster Coverage

Natural disaster coverage is essential for homeowners, especially in areas prone to storms, floods, and wildfires. This coverage can help to protect your home and possessions from damage caused by these unpredictable events. However, not all home insurance policies automatically include all types of natural disaster coverage, so it’s crucial to understand what is and isn’t covered.

Essential Coverage Your Policy Should Include

  1. Flood Insurance: Many standard home insurance policies do not cover flood damage. If you are in a high-risk area, it is wise to consider adding flood insurance to your policy.

  2. Windstorm Coverage: This includes protection from damage caused by high winds, hurricanes, and tornadoes. Some areas might require separate windstorm policies, so it’s important to check the specifics of your coverage.

  3. Earthquake Insurance: Earthquakes can happen at any time. Most home insurance policies do not cover earthquake damage, so adding this coverage could be smart if you’re in an at-risk area.

Contact us today!

Waiting until a natural disaster strikes to discover gaps in your coverage can be costly. Reach out to us at Presley Insurance Group. We are here to help our Dallas, TX, and surrounding neighbors today. We’ll help you review and adjust your policy to ensure you have protection against whatever nature throws your way. Let’s make sure you’re prepared for the next big storm.

Home Insurance and Roofs: What You Have to Know

At Presley Insurance Group, we can help you discover home insurance that protects your Dallas, TX, from various disasters. For example, your policy can financially protect against many roof-related issues concerning events that occur beyond your control.

How Insurance Helps You 

Home insurance covers a pretty broad range of issues, including your roof. It’s designed to help repair various problems that might occur if a myriad of unexpected issues suddenly impact your roof. Typically, it should kick in to help you pay for repairs and maintenance when necessary.

Things It Will (and Won’t) Cover 

Roofing insurance will cover a variety of problems to protect your home and keep it safe. These usually include natural things or factors outside your control, such as wind and hail, fire and smoke, snow and ice, falling objects hitting the roof, and vandalism and theft from outside sources. 

That said, your policy will typically not cover gradual wear and tear problems, rot or mold, normal aging issues, animal attacks, and earthquakes. Many of these things are caused by homeowner neglect, and a policy will never cover anything you neglect to manage properly. 

You can often find protection against things like earthquakes and other catastrophes by upgrading your policy. Don’t expect an insurance company to pay for general wear and tear problems and issues you should have caught during your roof maintenance.

It’s Time to Contact Presley Insurance Group

With the help of Presley Insurance Group, your Dallas, TX home’s roof can be protected against many types of common damage. As importantly, we can ensure that you understand common policies that help you stand out. Call us today to learn more about what to expect from us.

Tips to Help You Get Your Home Ready for Summer

Here at Presley Insurance Group, serving the greater Dallas, TX region, our team can help you get the home insurance you are in the market for. However, in addition to this, we also want to help provide you with tips that can help you avoid having to use your home insurance. By properly caring for and maintaining your home, you can minimize the chances of needing to use your home insurance policy.

Here are a few tips to help you get your home ready for summer:

Pressure Wash Your Driveways, Sidewalks, and Walkways

One of the best ways to get your home ready for summer is to pressure wash all of the walkable surfaces around your home, including pool decks, patios, decks, sidewalks, driveways, and walkways. Pressure washing helps the surfaces to look their best while also helping to remove any substances that can be slippery. 

Have Your Roof Inspected

It is also important to have your roof professionally inspected during the summer months. Winter and spring can bring wet weather and strong wind gusts. Having your roof inspected helps you to catch potential damage before it becomes a larger issue. 

Trim or Prune Your Trees

Lastly, take the time to trim or prune your trees during the late spring, summer, or early fall months. This helps to ensure that dead growth does not fall from the tree and damage your home or any people beneath the tree. 

We Are Here To Help!

Pressure washing your surfaces, having your roof inspected, and trimming or pruning trees are some of the best tips to help you get your home ready for summer. This can minimize the chances of damage to your home. It is important to note though, that you cannot prevent all damage to your home, and this is why having the right home insurance policy is so important. If you are looking for a new home insurance policy, Presley Insurance Group, serving the greater Dallas, TX area, can help. Call us now to get started. 

Do I Need to Worry About Extra Home Insurance With a Pool?

As a homeowner in Dallas, TX, you may wonder if you need to purchase extra home insurance coverage for your pool. The answer is maybe. It depends on several factors, including your home’s value, the pool type, and whether you have liability insurance.  Presley Insurance Group is here to help. 

Here is everything you need to know about insuring your pool so that you can make the best decision for your family:

Home Value

One of the primary factors that will determine whether you need to purchase extra home insurance for your pool is the value of your home. If your home is worth more, you have more to lose in a disaster. Your Presley Insurance Group agent can help you assess the value of your home and make recommendations based on that number.

Type of Pool

If you have an above-ground pool, you likely will not need to purchase additional coverage, since most above-ground pools are not permanently attached to the property. However, if you have an in-ground pool, you might purchase additional coverage, since in-ground pools are part of the property and might increase the value of your home.

Liability Insurance

Another factor to consider when deciding whether to purchase extra home insurance for your pool is whether you have liability insurance. Liability insurance will protect you if an injury occurs in or around your pool. If you do not have liability insurance, we recommend purchasing an umbrella policy to protect you in the event of an accident.

Give Us A Call

As a homeowner in Dallas, TX, it’s essential to understand whether you need extra home insurance for your pool. Contact Presley Insurance Group today to speak with an agent about your situation. We’re here to help you make the best decision for your family.

Look for these features when selecting your next home insurance policy

Presley Insurance Group is here to serve the insurance needs of the greater Dallas, TX metropolitan area. Our team understands how important it is to protect family homes, and we are here to help. Give us a call today or stop by to learn more about the available home insurance options!

Important home insurance features

There’s no underestimating the importance of protecting our family homes. In addition to providing shelter, they help us to feel safe and secure. They are also where we spend a lot of quality with our families. If you are unsure that you have adequate protection in place for your home, now is a great time to make sure.

Like so much else in life, our home insurance needs can change throughout the years. This means that it’s important to review your policy on a regular basis. When doing so, be sure to take a careful look at the main features that a home policy will provide: liability coverage, interior and exterior damage protection, and protection from loss.

Other additional features can include personal articles protection, coverage for alternative lodging if your home becomes uninhabitable due to a covered event, and enhanced liability coverage. All of these features will depend on your family’s unique needs. The best way to ensure that your policy provides the protection you need is to meet with a local agent. This will allow you to discuss your main concerns and needs.

Give us a call today

Dallas, TX residents turn to the team at Presley Insurance Group for all of their insurance needs. We have the experience and information necessary to be a resource to our community. Come by our office or give us a call today to find out more!

What Affects Your Home Insurance?

Are you trying to find home insurance but feel like you don’t quite understand what affects your rates? You’re not alone. Many Dallas, TX residents feel this way and turn to us for help. Let us at Presley Insurance Group explain this to you.

Your Home’s Area 

Home insurance costs may go up or down depending on your city. For example, a home in a big city may be worth more than a rural home. However, rural homes with a lot of lands may require more coverage than an urban house. These factors can heavily impact your overall coverage option. 

The Quality of Your Home 

Do you have a very small home with limited space? Or is it a larger and more sprawling place? You also need to pay attention to the cost of your home, its overall age, and its general condition. These factors all play into the unique elements that affect your home insurance. 

Overall Safety and Protection 

How many safety steps do you take to protect your home? These elements will all affect the quality and value of your insurance and must be fully understood. Just as importantly, you need to avoid spending too much on a policy that doesn’t suit your needs.

The Policy You Choose 

Some people may want a more comprehensive policy that covers a broad range of different issues. By contrast, others may have a more basic option that doesn’t cost nearly as much to manage. Whatever you choose, it is important to make sure you feel comfortable.

Make Sure You Choose the Best Option 

As you can see, it is vital to find a provider that has your best needs in mind as a homeowner. Thankfully, we can help. At Presley Insurance Group, we serve the Dallas, TX area and provide friendly insurance protection.

Things to consider when choosing your home insurance coverage

Home insurance is not a single type of coverage. There are several components, and they all have things that need to be considered. Every homeowner has different needs, and every home policy needs to fit that homeowner. At Presley Insurance Group in Dallas, TX, we have developed a market with over 100 carriers. We aim to retain our customers by getting to know them and making sure we tailor their insurance to their unique needs. 

How much liability insurance you need

Liability protection is a vital part of home insurance coverage. If you have considerable assets, you need considerable liability coverage. Suing has become a national pastime, and 10% of all people will be sued every year, 30% will be sued at least once in their lifetime. If your number comes up, you need to have enough liability coverage to protect yourself. A basic home policy won’t have enough coverage unless your assets are pretty basic. 

What riders might you need to add

While home insurance covers many things, it does have limits and exclusions. You get can around these with a rider to your policy. 

  • Jewelry– If you have some expensive jewelry pieces, you may have already surpassed the limit on your home insurance.
  • Sewer backup– This is not covered on a typical home policy. If it worries you, add a rider. 
  • Hurricane– If you live in a state where hurricanes are dangerous, checking that you have hurricane coverage is important. 

How your home is valued

Make sure the figure your home is valued at will actually allow you to replace it if it is a complete loss. Do some research and discuss the square footage and improvements with your agent. Three out of five homeowners are underinsured. 

When you are in the market for home insurance, contact Presley Insurance Group in Dallas, TX.

Replacement Cost and Homeowner’s Insurance

You probably already know that having homeowner’s insurance is an important tool for protecting your family against the unknown. But what happens if your house is damaged by a storm or fire and needs to be completely replaced? And how much money will you be given for personal property?

That’s where Our Presley Insurance Group team can help. Keep reading to learn what you need to know about replacement cost coverage and homeowner’s insurance in Dallas, TX.

What is Replacement Cost Coverage?

Replacement cost coverage is a portion of your home insurance policy that pays for new items of like, kind, and quality if your home or belongings are damaged in a covered claim, like a fire or storm. This means that instead of receiving a depreciated amount for the building and your personal property, you’ll be given what it costs to replace this same item at today’s prices. 

Does Home Insurance Automatically Come with Replacement Cost Coverage?

Yes and no. With some home insurance carriers, replacement cost coverage is the default option. Others require you to upgrade from actual cash value (ACV) to replacement cost. This is why it is important to discuss your desire to have replacement cost coverage with your agent.

Will Replacement Cost Value Pay for Home Upgrades?

The thing about replacement cost value is that it doesn’t pay for upgrades for your home items. For example, if you have a basic 40-inch flatscreen television and your house burns down, your policy won’t pay for the 80-inch 4K you’ve had your eye on. Likewise, it is the same for building materials. If your kitchen countertops were ceramic tile before, your homeowner’s insurance wouldn’t pay for an upgrade to granite.

Ensure your family is fully protected with a Dallas, TX homeowner’s insurance policy. Please contact our Presley Insurance Group Team today to schedule an appointment.

Does Home Insurance Coverage Protect Personal Belongings?

Home insurance is one of the most important tools a homeowner can use to protect their investment. Although most people know they need home insurance, they may not know what the specific terms and conditions may be and exactly what is covered if there is a claim. 

Home Insurance Coverage

Each home insurance policy can differ, which is why it is important to work with an insurance agent who can help identify your personal needs and then offer insurance products that match your unique situation. Additionally, they can also help you get the contents of the home covered. In some cases, the policy has contents included. In others, there may be the need to get extra content insurance coverage added to the bundle. In either case, it is highly beneficial to have a knowledgeable professional on your side to help you make an informed decision. 

Agents Ready to Assist

Insurance agents make their clients needs a priority and will help guide them in the right direction whether it’s shopping for a policy, making changes, or filing a claim. Anyone who lives in the Dallas, TX area can rely on Presley Insurance Group to help them make the right choice and assist with any changes over the years. We are ready to work one on one to help you get the insurance protection you need to feel confident year-round.

Getting the right insurance coverage for a home is the best way to prevent losses and protect against future incidents. Let the agents at Presley Insurance Group help you get started with the process of finding the right policy if you live in or near Dallas, TX. Call or stop by today for more details.