If you’re a League City, TX homeowner, then you should know that simply having home insurance in the first place isn’t enough to ensure the safety of your property and the security of your future. If your home is underinsured, you could still be at risk.

And before you assume that can’t possibly mean you, you should also know that this is a common state of affairs – one that most homeowners aren’t aware of until it’s too late. Here’s how to tell whether you should speak to your ACU Insurance Services agent about upgrading your policy.

Check to ensure your policy covers rebuilding costs

Naturally, most of the point of home insurance is having full protection from the worst possible scenario – total loss of your home due to fire, natural disaster, or a similar occurrence. But don’t just assume that any home insurance policy will cover the total costs of rebuilding a home should the worst happen. If you’re underinsured, yours probably won’t.

Make sure your policy covers your actual valuables.

Another common assumption underinsured homeowners tend to make is that their current policy will cover all of their possessions in the event they are lost or damaged in a disaster. However, this isn’t always the case. Some valuables – like musical instruments, cash, or antiques, to name just a few common possibilities – may require a special policy rider to be protected.

Determine whether you need additional disaster coverage

Many common disasters – like floods or earthquakes – aren’t typically covered by standard home insurance policies in League City, TX. If that’s the case for you, as well, then you’ll want to look into purchasing supplemental insurance to ensure you’re genuinely protected against all possibilities.

Ultimately, a home is one of the most significant investments a person ever makes, so it’s intelligent and essential to ensure it’s well-insured. Get in touch with an ACU Insurance Services rep today to review your policy and ensure it’s everything it should be!

ACU Insurance Services is here to provide the greater League City, TX community with its necessary insurance services. We are a full-service agency that can help you with all of your insurance needs, including windstorm policies. Give us a call today to find out more!

Benefits of having windstorm insurance in our area 

We are all very familiar with the unpredictable weather patterns that affect our area. Having the right insurance in place can help to alleviate any financial losses caused by disruptive weather. Wind, in particular, can be a very damaging and destructive force. If you want to have the peace of mind that comes with knowing that your property is protected, it’s time to look into a windstorm insurance policy.

Now is an ideal time to look closely at the different types of insurance policies available in our area. Sitting down with a local agent is an effective way to identify and correct any gaps that you may currently have in your protection. You may not even know that windstorm insurance is available in our area!

Home and property insurance may not cover damage caused by a severe windstorm. Find out now if your homeowner’s or commercial policy provides this protection. Reviewing the available windstorm policies is the next step if you need further protection. Learn more today about this vital insurance type!

Find out more about windstorm insurance today!

If you own a home or business in the League City, TX area, you can count on ACU Insurance Services for all your insurance needs. Give us a call or stop by our office today to learn more about the many benefits of windstorm insurance. 

When most people think about their homeowner’s insurance policy, they believe one size fits all. However, that couldn’t be farther from the truth. That said, most standard policies will cover the main things, such as damage to your home due to fire, smoke, and even certain weather. They may also cover damage due to theft or vandalism. 

So, what isn’t typically covered by insurance? 

• Mold. Most policies typically don’t cover mold unless it is due to water damage from storms or a burst pipe. They won’t cover mold that happened because you didn’t take care of your home. 
• Valuables. If you have a lot of valuables, your homeowner’s insurance policy generally won’t cover them. So, if you have expensive jewelry or art, you may want an umbrella policy to help you replace anything stolen or damaged. 
• Flooding. Most policies won’t cover flooding, so if you live in an area that floods, you may want to protect yourself and your home by purchasing flood insurance. 
• Earthquakes. Earthquake damage is also not usually covered, so if you live in a high-risk area, you will want to ensure that your policy will cover the damage. This may mean you have to get extra insurance, just in case! 

Though you may think that your policy will cover everything, the truth is that your homeowner’s insurance may not cover mold, flood damage, or even damage due to earthquakes. It also may not cover your expensive valuables. 

If you want to ensure your home is fully protected, don’t hesitate to contact us today at ACU Insurance Services in League City, TX. We will be glad to help you find the right plan for your budget. 

It’s probably no surprise that myths abound regarding home insurance. After all, most people don’t know much about it beyond the basics. And when you don’t understand something, it’s easy to fill in the blanks with whatever information you can find, even if that information is wrong.

This post will debunk some of the most common myths about home insurance. By the end, you should better understand what this type of coverage is and what it can do for you.

Myth 1: Home Insurance Is Just for Protecting Your Home from Damage

Wrong! Home insurance also covers your personal belongings if they are stolen or damaged. So, if you have a break-in or a fire, your home insurance policy will help you replace anything lost or damaged.

Myth 2: Home Insurance Is Expensive

This one depends on many factors, including the value of your home and the amount of coverage you need. But in general, home insurance is not as expensive as you might think. And when you consider the peace of mind it can provide, it’s definitely worth the cost.

Myth 3: Your Home Insurance Policy Will Cover Any Damage That Happens to Your Home

This is unfortunately not true. Home insurance policies have limits and exclusions, so it’s important to read the fine print of your policy to understand what is and isn’t covered. For example, your policy will not cover damage from floods or earthquakes.

Myth 4: You Don’t Need Home Insurance If You Own Your Home Outright

This is another myth that’s not true. Even if you don’t have a mortgage, it’s still a good idea to have home insurance. This type of coverage can protect you from things like fire, theft, and vandalism.

Now that you know the truth about these common home insurance myths, you can be sure that you’re getting the coverage you need for your home. ACU Insurance Services in League City, TX can help you find the right policy for your needs and budget. Contact us today to get started.

Owning a home has continued to be a great way for someone to build long-term wealth. If you are considering buying a home, the League City, TX area can be a great place to do so. While there are advantages that come with property ownership, there are risks as well. To help offset some of these risks, getting home insurance is a good idea for various reasons. 

Coverage Needed to Protect Home

A key reason that anyone in this area of Texas should get this coverage is to protect their home. If you want to buy a home, you will want to use and enjoy it for a long time. A great way to ensure this happens is by getting insurance as it will offer you protection if your home is damaged in an accident or you are a victim of vandalism or theft. 

Insurance Will be a Requirement

You should also get a home insurance plan because it could be a requirement for you. A lot of people in this part of Texas will take out a mortgage when they buy a home. If you have taken out a mortgage, you will need to carry insurance. Your lender will likely require that you obtain a certain level of coverage and maintain it through the loan term. 

If you are going to invest in a home in the League City, TX area, it will be very important to get the right insurance for it. A great place to start your search for insurance is by calling ACU Insurance Services. The team with ACU Insurance Services can give any support that you need to build a plan that meets your needs. They will offer a full consultation and evaluation to help you get the right coverage. 

If you are a pet owner, it’s your wish to see your animal friend safe and secure. As such, you may want to know if your home insurance covers injuries to your pet or if it covers injuries or damages your pet inflicts to other people. Since some pet incidences can be costly, ACU Insurance Services in League City, TX answers the question: does home insurance cover pet damage?

What does home insurance cover about pets?

Typical home insurance covers the below regarding your pets:

• Bodily injury liability: If your dog, for instance, causes injuries to other persons, your home insurance covers the ensuing medical costs. The same case happens even if your pet causes injury when on someone else’s premises.
• Property damage liability: If your horse or dog destroys some else’s property, you will be responsible for the property damages. Luckily, your home insurance can come to your rescue and cover the property damage claims.

Since liability claims can be costly, you need to update your home insurance liability coverage if you own a dangerous pet. Besides, you can consider umbrella insurance if you have significant assets to protect.  Additionally, home insurance can cover legal fees and settlement claims if the person goes ahead to sue you.

Home insurance exclusions regarding pets

Typical home insurance won’t cover the below regarding your pet:

• Veterinarian visits: Home insurance doesn’t cover injuries or illnesses to your pet. As such, you should invest in pet insurance to cover vet visits.
• Property damage: If your dog or cat rips your carpet or sofas apart, home insurance won’t cover the damage because your insurer expects you to control your pet’s behavior that may result in property damage.

Are you ready to get started with home insurance in League City, TX? Please consider ACU Insurance Services for all your home insurance solutions.

Home insurance is one type of insurance that just about everyone who owns a home needs and wants. With all the things that can go wrong, why would you want to risk your investment? At ACU Insurance Services in League City, TX, we are dedicated to helping our customers to personalize their insurance to better meet their needs. As independent agents, we can offer more choices. 

When your policy is set to renew, that is the perfect time to do a review. You will have a current declaration page to give you all the particulars. You need to see if your home is valued correctly. Have you done any major renovations that you haven’t notified your insurance agent about, something that would increase the value of your home? Some repairs, like a new roof, make your home less expensive to insure. 

Are you worth more now than when you first took out the policy? The more you have in assets, the higher your liability coverage should be. Have you added any additional risks to your home like a dog or swimming pool? Talk to your agent about your liability insurance and whether you should add an umbrella policy. 

Is your deductible right for you or should you increase or decrease it?  Do you have the right type of content coverage and have you added any expensive items to your home or jewelry box that might require an endorsement to make you feel protected? 

Other times to review your home insurance policy are when there is a change in your life status; when you get married or divorced. 

Your home insurance is something that changes over time. It needs to be reviewed at a minimum every year but more often as is necessary. 

Contact ACU Insurance Services in League City, TX when you are in the market for home insurance.

 You are probably at the stage of buying home insurance for your home, and you are confused. We understand the confusion. With lots of information about home insurance — some genuine others false — you definitely can’t separate the chaff from the grains. 

 Home insurance is a tricky topic, and if you are misinformed, you will be relying on the wrong myths when buying the insurance. Luckily, at ACU Insurance Services of League City, TX, we are here to debunk common home insurance going around. 

Home insurance policy covers flood damage

Your standard home insurance doesn’t cover flood damage. While home insurance may cover water damage from damaged pipes, it won’t cover damage from overland flooding. In light of this, if you live in a flood-risk area, consider buying a stand-alone flood insurance policy. 

Home insurance only covers the house

The policy covers your house and the contents too. If your home has detached structures, they are covered as well at an additional premium. Moreover, home insurance provides liability protection and pays for additional living expenses when your house becomes uninhabitable.

Home insurance covers medical expenses

For your information, home insurance covers medical bills for guests that get hurt on your property. If you or your family member get injured, the policy does not cover the medical expenses.

Home insurance is not worth the expense

Imagine your entire home investment going down in just one event! Something you have worked so hard for years. How do you start saving for another home? If you hear someone saying that home insurance isn’t worth it, just think about the thousands of dollars you have put in your home. 

Home insurance at League City, TX

You cannot exhaust the myths of home insurance. Every day new ones are coming up. In case you encounter conflicting information about home insurance, seek advice from a trusted insurance agent. If you are in League City, TX, look no further than ACU Insurance Services. We got you covered for all the matters to do with your home insurance. 

Those that are looking for a new place to live and move to should consider the League City, TX area. When you are here, you will benefit from long-term price appreciation and a strong local economy. If you would like to buy a home in this area, you also need to get the right insurance for it. There are a few reasons why you need to get home insurance when you are in this area of the state.

Insurance is Required by Mortgage Lenders

A common reason that people here need to get home insurance is that it is required by their mortgage lender. If you have taken out a mortgage, your bank will have a vested interest in your property. Accordingly, they will want to ensure that it is properly covered by insurance at all times. Your lender will have specific insurance requirements and may require that you escrow for your payments each month.

Insurance Protects Against Liability Risk

You will also want to get home insurance because it can protect you against liability risk. Anyone that owns a home will be taking on some liability risk. If this is the case for you, it continues to be important that you mitigate this risk with insurance. With a home insurance plan, you can receive the liability insurance needed to offset the risk. 

When you are trying to purchase a home in the League City, TX area, it will continue to be very important that you get the right insurance for it. When you are searching for a policy, ACU Insurance Services can be a great resource for you. The insurance team with ACU Insurance Services understands the importance of this insurance coverage. They can help you better assess your needs and options and choose a policy that will protect your property. 

When it comes to deciding how much homeowners insurance to purchase, much of it is dependent on the size of your house, how it is used, what features it has, and how much it would cost to rebuild it to the current state if disaster struck. What home insurance does not do, is take into account the impact a renovation can have on the value of the home and the insurability. For instance, adding an extra bedroom can increase the value of the home but now there is more square footage to insure and a more expensive house that must be rebuilt if the worst happens. On the flip side, while a pool may be a must-have luxury for your family it also puts you at greater risk of being sued if there is an injury or death because of the pool by a third party. Consequently, whenever you make a major change to your home it is a good idea to check your insurance to validate that it will cover the new additions. Generally speaking, you’ll want to do one of three things when renovating your home for insurance. First, increase the replacement dwelling coverage to the expected value of your home after the renovation is complete. Second, increase liability coverage when the construction is being done to protect yourself from being liable if a construction worker injures themselves on the job without insurance. Third, once the work is done, consider increasing your liability coverage – particularly if you are adding a potential safety concern like a pool.

At ACU Insurance Services in League City, TX, we are your local experts for everything home insurance. Whether you are buying your first home or planning a costly addition give us a call and we’ll be happy to help.