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6 Common Mistakes When Buying Homeowners Insurance

7/15/2022

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6 Common Mistakes When Buying Homeowners InsuranceHome insurance can be very challenging to figure out despite being one of the most important insurance types. Knowing some of the most common mistakes when buying homeowners insurance, you can do your best to steer clear of them. You can learn from other people's mishaps rather than your own. That's why, in the rest of this article, we'll cover some of the most common and costly mistakes and ways to avoid them.
Mistake #1: Focusing on the PriceWhen you shop, one of the first things you probably do is to check the price tag. Knowing what you're getting with your home insurance is crucial, just as with everything else you buy. So, always double-check to be sure your "cheap" policy isn't less costly because crucial coverage was cut out or the provider has insufficient reinsurance. Instead, get the coverage you require, not the cheapest one. You wouldn't purchase something from a store lacking parts just because of the price. However, it's not impossible to lower the cost and keep the coverage. For example, increasing your deductible and getting the correct level of coverage are both smart options if you want to cut costs while still getting the protection you want. Finding an agent that can run quotes with multiple carriers is a great idea. It helps you find the best rate and makes it easier on you so you don't have to spend your day calling lots of agents. 
Mistake #2: Not Understanding Your CoveragePeople rarely read the fine print and the terms and conditions. Moreover, sometimes they assume something is covered without knowing for sure. For example, many people don't understand the difference between home insurance and a home warranty and believe they're both included. So, while home insurance protects you from the things that could happen (like damage), a warranty protects you from things that are bound to happen sooner or later. Also, while most people consider home insurance obligatory, a warranty is not.
So, if you want your appliance protected from wear and tear, you should consider a home warranty, not home insurance. If you want a home warranty, browse different providers until you find the deal you like. Just like with insurance, read all the fine print so you know what is covered.
Mistake #3: Not Accounting for an Increase in Your Home's ValueMost properties rise in value over time, but many individuals don't realize this or even think about it when getting home insurance. This means that if you have had a policy in place for some time, without revisiting your coverages over the years, the inflation protection might not have kept up with the home values, and you might not have enough coverage in the event of a catastrophic loss.
To avoid this happening to you, you should revisit your home insurance every couple of years with your agent to make sure your coverage keeps up with the market.  This guarantees you adequate money to fix or replace your items and property.
Mistake #4: Choosing Actual Cash Value Instead of Replacement CostPurchasing a policy that compensates for the actual monetary worth of their possessions rather than the replacement cost is another one of the common mistakes when buying homeowners insurance. The issue with this is that many of your possessions will cost far more to replace than their actual value was at the time of loss. For instance, replacing your TV can cost $1500 even though its replacement value is only $200. You will be responsible for covering the difference if you decide to have your insurance valued at real cash value.
Mistake #5: Thinking Flood Insurance Is IncludedA typical insurance policy does not always cover flood damage, and skipping out on additional coverage might cost you a lot of money. You may not think you require flood insurance, but you probably do. One inch of water may damage property for $25,000, according to the Federal Emergency Management Agency (FEMA), and more than 25% of insurance claims originate from areas outside of high-risk flood zones. So, before you pick your home insurance, make sure your agency includes flood damage and other weather-related damages. However, this doesn't mean you should do nothing in case of extreme weather events. Even if you have the home insurance that covers all, you should still take the necessary steps to prepare your home for the upcoming storm once you hear about it on the news.
Mistake #6: Poor CommunicationMake sure your channels of communication with your insurance companies are solid. Get in touch with them as soon as you need to file a claim because depending on the type of claim, it might not be covered if you miss certain time frames. So, make sure to act fast and take many pictures as proof. It would be best if you had "before" and "after" pictures of your house. Moreover, it would help if you weren't too quick to throw out the damaged items and clean up the mess. Having proof of any type can significantly hasten the claims procedure. Finally, when describing property damage, there are often some communication issues. The ideal approach is to be precise and clear when describing the damage. Make sure you answer all your claims representative's questions and if you have a few of your own, ask them straight away.
In ConclusionYou are now aware of the common mistakes when buying homeowners insurance which means you know what to avoid. Over time, investing the effort in insurance alternatives study will help you save money and your house. The right homeowner's insurance company will help you through the process and make sure your coverage is adequate for your needs while ensuring you aren't overpaying at the same time. To ensure you're working with the right agency, try to meet up with them in person and ask all your questions.
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How to prepare your home for a storm

6/13/2022

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While summer usually brings warm, sunny weather, it can also bring a range of extreme weather conditions from time to time, including severe thunderstorms. As a homeowner, it is in your best interest to be ready for such situations. By taking certain precautions, you can help reduce the damage from the storm. To help you out, we compiled a list of all you need to do to prepare your home for a storm.
Trim Trees:
​ Trim any branches close to your house that don't appear to be robust enough to withstand a storm. In a storm, tree branches could tear pieces of your roof off if they scrape against it. In extreme cases, dead tree limbs can even puncture a window. That way, they'll not only break the glass but possibly cause harm to anyone who's inside the house when it happens. While home insurance usually covers windows broken by natural causes, it's better to be safe and trim the trees around your home to limit the damage.
If the tree's weak sections are too large or complicated to manage on your own, you may need to hire a tree specialist. If you don't have any experience, taking care of these things by yourself can be tricky and could lead to injury.
Secure FencesBecause fences usually absorb the brunt of a storm, it's good to repair or fortify yours at least once a year as part of spring security checks and upgrades. Alternatively, if you're considering building a new fence, you should look into the best sort of fence panel for high winds. If they are not well anchored, they can be pulled from their ground base.
Furthermore, to prepare your home for the storm, don't forget to remove weeds and trash from the fence panels. Make sure there's enough drainage surrounding your fence to prevent waterlogging at the base, as wood posts can decay if not properly maintained. Minor damage can be repaired with spare wood and nails, and a fence preservative can be put to help protect the wood throughout the warmer months.

Caption: Prepare your home for a storm by ensuring your fence is sturdy and secure.
Alt: Black metal gate surrounded by trees and rain.
Clean Your Gutters & DrainsAlthough clogged gutters appear harmless, they can cause rainfall to overflow under the eaves and into the roof hollow. You should always make sure your gutters, drains, and downpipes are clean. While cleaning dead leaves and twigs isn't fun, it should still be a priority on your to-do list. Don't be afraid to include professional cleaning in your storm-prevention plan.
Secure Outside FurnitureStrong winds can damage the patio and other outside furniture. That's why it's a good idea to secure outdoor furniture or bring it inside before the storm. Anything in your yard that could become flying debris should also be moved.
If you don't have enough room inside your home and the weather forecast predicts storms for the next period, you should look into renting a storage unit. You can move some pieces there until the storm passes. After that, you can either stop renting a storage unit or use it to store other belongings that can't fit inside your home.
Prep Your BasementOne of the best things you can do to prepare your home for a storm is to secure your basement. Usually, during storms, basements are the first to get flooded. Even if you have flood insurance, you should still look into ways you can avoid a flood. First, check for all weak points where the water could get it. Try to secure and block them so that water can't come through. Finally, just to be safe, consider emptying the basement if you have any valuables or furniture there that you don't want to be ruined.

Caption: Before the storm, make sure your roof isn't leaking or in bad condition.
Alt: Selective focus photo of brown roof shingles, showing the importance of fixing your roof to prepare your home for a storm.
Check Your RoofChecking your roof before storm season can help you avoid significant damage during or after a storm. Start by checking for signs of leakage where the walls and roof meet. You should look for cracks, missing mortar, or other openings. Then, check for cracks, gaps, and missing tiles on the roof. Make these checks part of your regular maintenance throughout the year. Professional work can be expensive or time-consuming, so recognizing problems before they become a problem could save money in the long run. A storm could do more damage to your property if repairs aren't made ahead of time.
Prepare An Emergency KitA true emergency might leave you without vital utilities for hours or days, including electricity, water, gas, or sewage. So, to prepare for a storm, make sure you fill your family's emergency kit with enough food, water, and supplies to last at least three days. Some even suggest getting a backup generator for your home if you lose electricity. Although this step isn't as vital as others, it's still a good idea to prepare for the worst-case scenario. Then, after the emergency passes, make sure you replenish all the supplies.

Caption: Make an emergency kit for the worst-case scenario.
Alt: An orange emergency bag
Lock Your Car Away It would be wise to move your car away from areas of probable damage before a storm. Once the winds get stronger, they could easily pick up a tile from your roof and smash your car window. If you have a garage, it's a good idea to store your vehicle there for the duration of the storm.
Final ThoughtsEven if you have home insurance to cover the costs of potential damage, it's always a good idea to prepare your home for a storm when summer rolls around. Since a storm can cause damage to your home and injury to you or a member of your family, it's always better to prevent any damage than to have to fix it after. Once the storm has passed, make sure you take some time to assess the damage done to your home. Make a note of it and consider whether you need to file a claim with your homeowner's insurance.

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Check out our monthly newsletter!

12/7/2020

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Newsletter highlights:
**Lentil Soup with Butternut Squash and Kale by Skinnytaste.com
**Featured partner: Premier Inspections www.Premier-Inspections.com
**Getting your home ready for COLD weather
**Is your rental car covered under insurance?? 
​
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Is my rental car covered?

11/23/2020

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Yes and No. Read on to know why:

Yes, your rental car is covered by insurance if you have elected the rental car endorsement, and you are in a covered accident. 
You also have to have comprehensive and collision coverage on your policy for rental car coverage to be added. With a liability only policy, rental car coverage is not an option.  
If someone else is at fault in an accident, and they have proper insurance, then their carrier should provide you a rental car. 

No, rental car coverage is not provided for things like normal wear and tear, or routine maintenance on your vehicle. If you have to put your car in the shop for a repair, rental car coverage would not be provided. 
Rental car coverage is also not provided for recreational rentals, such as a weekend get away rental. You would not be able to use your insurance coverage for something like that. 


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Parts of homeowners insurance coverages

10/6/2020

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​Homeowners policies combine several types of coverage into one policy. Most homeowners policies in Texas include these six coverages:
  1. Dwelling coverage- Coverage for the house itself
  2. Personal property coverage-Coverage for your personal items, such as furniture, clothes, etc
  3. Other structures coverage- Coverage for structures on your property that aren’t attached to your house, such as detached garages, storage sheds, etc.
  4. Loss of use coverage- coverage for additional living expenses if you have to live outside of your home during a covered claim repair. Additional living expenses can include rent, food, and other costs you could incur while living outside your home.
  5. Personal liability coverage- coverage for medical bills, lost wages, and other costs for people that you’re legally responsible for injuring. It can also provide coverage if you’re responsible for damaging someone else’s property or pay court costs associated with these losses.
  6. Medical payments coverage- coverage for medical bills of people hurt on your property. It can also provide coverage for some injuries that happen away from your home.
 
There are 2 types of coverages for your dwelling itself, and personal property. They are replacement cost vs actual cash value.
Replacement cost vs. actual cash value coverage
The broadest coverage option is replacement cost coverage.
  • Replacement cost coverage-provides coverage to repair or replace your dwelling or personal property at the current market costs. For example, say you have a TV you bought in 2005 and the actual value is $100, and the current price for the same size TV is $500, your coverage would pay for a brand new TV at todays price, once the deductible is factored in.
  • Actual cash value coverage-provides replacement cost minus depreciation. Depreciation is a decrease in value due to wear and age. In the same example of the TV from 2005, the actual cash value might be $100, that would be all the coverage that is provided with this type of coverage.
  • Your deductible is also a factor when filing a claim-we will cover that in a later blog post. 
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Which home policy do I need?

9/26/2019

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Finding the right insurance policy for you and your family can be confusing, but it doesn’t have to be! There are a lot of options in Texas to insure your home. While it is your responsibility to ensure that your home is properly insured, your family of agents at Corin Insurance Group will walk you through the different options so you can make educated choices to protect your home and family. Texas companies use both the national policy forms such as the common HO3 as well as Texas specific forms HOA, HOA+, and HOB. Let’s compare the common policy forms in Texas (listed in order from least broad coverage, to the broadest coverage available): HOA (Named Perils) HOA is the most basic type of Texan homeowners insurance policy. HOA policies offer actual cash value coverage only, meaning settlements for damaged property are depreciated according to the item’s age and condition at the time of loss. The HOA policy is limited to these 8 specific Named Perils: 1. Fire or lightning 2. Sudden and Accidental Damage from Smoke 3. Windstorm or hail (does not cover wind driven rain) 4. Explosion 5. Aircraft and Vehicles (not caused by insured or resident) 6. Vandalism or malicious mischief 7. Riot or civil commotion 8. Theft (restrictions apply if off premises) HOA+ (Expanded version of HOA) The HOA+ Home Policy provides broader coverage than the HOA policy, but is still limited to the Named Perils listed in the policy. Loss settlements are typically replacement cost for the dwelling, and replacement cost coverage for the contents can be added. The forms are company specific, but we have included the common perils listed below: 1. Falling objects 2. Weight of ice, snow, or sleet 3. Sudden & Accidental discharge/overflow of water or steam 4. Sudden & Accidental tearing apart, cracking, burning or bulging of steam or water from water heating system 5. Falling trees or limbs. HO3 (National form Open Peril) The HO3 is the most common policy form in the US, and provides coverage for your home on an Open Perils basis, with Named Peril coverage for your contents. Unlike the Named Peril policy forms, the Open Perils policy forms provide coverage for all sudden and accidental damage except the items specifically excluded, or otherwise limited. Notable exclusions are limited water discharge (no seepage or leakage or water back up), flood, and earth movement. HOB (Texas form Open Peril) The HOB is similar to the HO3 policy, as it also provides coverage for your home on an Open Perils basis; however it provides additional water damage protection that an HO3 does not provide. While this policy form has declined in popularity with companies, as many companies have opted to provide the less broad HO3 form. When available, the HOB policy form provides excellent value for the coverage being provided. As you can see, there are many options to consider when choosing protection for your home. At Corin Insurance, we view you as family, and we want to give our families what they need to protect their most valuable assets. Contact us for a policy review today!
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It's officially fall yall!

10/5/2017

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​It is officially FALL y’all!
 
It’s so nice to keep kids busy these days without phones and electronics. Most of my greatest memories are doing all sorts of DIY crafts at my Nanny’s house and that is probably why to this day I still love crafts and when I actually get to sit and do some DIY it is like a break from the world!
 
Check out these crafts for your kiddos! 

What a fun hand tree!!!

This one might get a little messy but nothing a table cloth for the dollar tree can’t cover!
  • You will need red, yellow, orange and brown paint.
  • 1 large piece of white construction paper
  • Small paint brush

 
Paint your kiddos arm and hand, quickly press down on the paper (once this is done you can immediately wash the arm and hand off)
Now let the real fun begin!
Lay out the red, yellow and orange paints. Dip each finger into the colors and make fun fall leaves all over!
Allow time for adequate drying!
Try using double sided magnets to hang on the fridge easily.
 
 
   TAlso try the fun plates!
  -For this kid, friendly craft all you need for colored plates. You can usually find these at the dollar store or at your local grocery store in the isle with regular paper plates.
  • Black, White, Green or Brown construction paper.
  • Fun googly eyes
  • Black marker
  • Glue (Elmer’s works great)

 
Start by drawing an outline of the pieces you need to cut out: bat wings and ears, Frankenstein’s hair and screws, pumpkins teeth and stem.
Once you have all the pieces traced, let the kids cut them out or glue them on after you have cut them out. (If you let the kiddos cut make sure you use safety scissors 😊)
After all the paper pieces are glued on, add your fun googly eyes!
If you want to hang these up you can use double sided tape, add a small ribbon to make a little loop in the back, or even use magnets to place them on the fridge!

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8 ways to keep your auto insurance costs down...

10/5/2016

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I read on www.consumerreports.org that According to the U.S. Bureau of Labor Statistics, car insurance rates rose more than 5% in the past year. Lower gas means more driving, which means more claims and more costs for the insurance companies.
Here are a few ways to help with that…
 
  1. Shop your insurance. Many people will get an auto policy, set it up on a draft and forget about it. Super easy right?! They don’t realize every 6 months it might be going up a little, and over time it has gone up a lot! So shop around, get some quotes and see what happens!
  2. Don’t file small claims. Most deductibles are around $500. So if you have a claim that is not much higher than the deductible, don’t file it.
  3. If you get a ticket, keep it off your record. Do defensive driving, deferred adjudication or get an attorney. Tickets will make your rate go up, and if you get too many in Texas your license could get suspended.
  4. Take defensive driving anyway. Some auto carriers give discounts if you have recently taken it, and a Saturday afternoon in the class could save you $$ on your auto insurance. Talk to your agent and see if that qualifies as a discount.
  5. Talk to your agent about the new monitoring devices some insurance carriers are offering. They track your driving habits and you could get a discount for trying them out.
  6. Check on a bundle discount. If you haven’t already, check rates on putting home/renters and auto insurance with the same carrier to get the discount.
  7. If you have teens, make sure they make good grades! Most carriers offer good student discounts!
  8. Make sure you have good credit! Your credit score is a factor in your insurance rate with most carriers. The better your credit, typically the better your insurance rate.
An independent agent is always a good idea, because they have access to more than 1 insurance company and they can help you find these discounts and what works best for you and your family.
www.CorinInsurance.com
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4 Things to do when you get into an accident...

10/1/2016

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According to the Texas Department of Transportation, there is a reportable crash in Texas every 71 seconds. With that being said, it is important to know what to do after an accident!
 
  1. Make sure everyone is ok. Call 911 immediately if the situation calls for it.  
  2. If it is not serious enough to call 911, first thing you will want to do is take photos of everything. Your car, their car, the scene, insurance cards, license plates, and anything else you can see or think of.
  3. Call the police, and wait for them to arrive to file a report. You will want the information from them to get a copy of the report later.
  4. If the other party is at fault, call their insurance company immediately with the information from their insurance card and report the claim.  The claims department should take it from there…
There are many different types of situations when it comes to an accident. The important thing is to drive safe, watch the road and make sure there are no distractions when you’re driving. Stay safe!
 If you have questions, we are here to help!
www.CorinInsurance.com
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12 Months of Hope!

7/2/2016

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Corin Insurance Group is starting the 12 Months of Hope Campaign! 

We are donating to the Community Storehouse in Keller for each referral that you send to our office to get a quote! 
It is so easy, and costs you nothing to help donate to a worthy cause. 
The Community Storehouse has so many programs that help families right in your community! They do amazing work and we want to help! 

All you have to do is have your friends and family give us a call or email us for a quote, and that is it! 

Help us give back!

Corin Insurance Group, LLC

"Where you're not just a policy, you're a person..."
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    ​(888) 231-7649

    550 Reserve Street 
    Suite 190
    Southlake, TX 76092
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Corin Insurance Group, LLC
550 Reserve Street 
Suite 190
Southlake, TX 76092
(817) 688-4108
(888) 231-7649​
Click Here to Email Us

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