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Currently Browsing : Homeowners Insurance

Do you know entirely how your Little Elm Home deductible works? 0

Posted on 25, February 2015

in Category Homeowners Insurance

 Little Elm Home Deductible When insuring a home or vehicle, knowing how deductibles work ensures policyholders get the most out of their coverage. Deductibles are the amount a person pays as a share of damage costs. After that sum has been paid toward damages, the insurer covers the rest. However, there are limits, but these are outlined in the policy. When replacing personal belongings or repairing a home, the policyholder must pay it out of his or her pocket.                              Call Melliand Insurance at 972-346-4666 for a free home insurance quote or click here. Little Elm home deductibles are set [&hellip

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Are Texas homeowners responsible for injuries on their property? 0

Posted on 23, January 2015

in Category Homeowners Insurance

 Are Texas homeowners responsible for injuries on their property? States have varying laws regarding slips and falls on properties, but Texas homeowners are almost always responsible for these types of injuries occurring on their properties. In some cases, they are also responsible for the injuries of trespassers on their properties. With premises liability law, there is a big responsibility for Texas homeowners to keep their properties as safe as possible. Also, it is crucial to ensure good home insurance is kept at all times to protect from any legal action. Call Melliand Insurance at 972-346-4666 for a quote or click here. [&hellip

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Preparing your Texas home for flood season 0

Posted on 22, January 2015

in Category Homeowners Insurance

Protect your Texas home with a flood policy. Call Melliand Insurance at 972-346-4666 It’s flood season in much of the country – but Americans remain woefully unprepared. One California study – surveying residents of a state that is historically vulnerable to flooding and landslides – found that less than 3 percent of residents and business owners own flood insurance. In some cases, consumers are under the misconception that standard Texas homeowner and commercial property insurance policies cover risk from floods and mudslides. They do not. Yet the vast majority of Americans also cannot afford to pay the risk out of [&hellip

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Little Elm homeowners may receive warnings to protect against earthquakes 0

Posted on 20, January 2015

in Category Homeowners Insurance

Call Melliand Insurance at 972-346-4666 to learn more about earthquake coverage and review your home insurance policy or click here for a quote Early warning systems for earthquakes use monitoring systems combined with science to give people alerts when waves of earthquake shakes are expected to take place. This is only a short advanced warning, but they give people a small amount of time to protect themselves from the uncertainty that may come next. While the alarms do not allow time to grab valuables or other items, the few seconds should give most people enough time to take action to protect their lives. Even a few seconds [&hellip

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How to make your Texas home unattractive to burglars 0

Posted on 19, January 2015

in Category Homeowners Insurance

 Call Melliand Insurance at 972-346-3666 for a free Texas home insurance quote  In the United States, there are more than 5 million burglaries occurring in residential homes every year. Experts say that 90 percent of these incidents are completely preventable. With just a few simple steps, any homeowner can greatly reduce the risk of his or her Texas home being burglarized. The three key elements to remember are noise, time and light. Click here for a quote Noise If possible, buy a dog. Large or aggressive dogs are not necessary to protect a Texas home, but any breed and size of [&hellip

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Is a housing bubble increasing your Texas home insurance? 0

Posted on 27, May 2014

in Category Homeowners Insurance

Call Melliand Insurance at 972-346-4666 or click here to receive a free Texas home insurance quote. Are we in a new housing bubble and is this increasing your Texas home insurance? According to the Case-Shiller index of home prices for 20 cities, prices jumped 13.4% last year.  The same index for Dallas posted increases of 9.7%.  Federal Reserve Chair Janet Yellen stated recently that the economy still requires a strong dose of stimulus in a testimony to the Joint Economic Committee of Congress.  These actions may bring the lender into conflict with the homebuyer’s insurance company.  For example, the mortgage [&hellip

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Texas Home Insurance – Replacement Cost vs. Market Value 0

Posted on 6, May 2014

in Category Homeowners Insurance

Call Melliand Insurance at 972-346-4666 for a free complementary quote for Texas Home Insurance or visit www.insurancemadeeasy.us Your Texas home can encounter a number of possible hazards that can strike disaster.  A recent survey by Marshall & Swift/Boekh, a replacement cost data service company, found that 66 percent of homeowners had inadequate coverage by an average of 18 percent.  That is $36,000 for a $200,000 home.  A majority of Texas homes have a standard 1% deductible on their Texas home insurance policy.  Few people would choose a $36,000 deductible. However, that is the net result of being under-insured trying to [&hellip

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Texas Home Insurance 0

Posted on 2, March 2014

in Category Homeowners Insurance

Contact us at 972-346-4666 or click here for a free complementary quote for Texas home insurance. Melliand Insurance is a full service independent agency providing Texas Home Insurance. Our goal at Melliand Insurance is make sure your home is properly covered at an affordable rate. As an independent agent we know that not one carrier fits all sizes. The location of the home, age, construction, loss history, age of the roof, and age of the water heating system all play a factor in getting the most competitive rate and most comprehensive coverage for Texas Home Insurance. Other factors to consider [&hellip

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Home Insurance Little Elm Texas 0

Posted on 15, January 2014

in Category Homeowners Insurance

Home Insurance Little Elm Texas on 9SLIDES Contact us at 972-346-4666 or click here for a free complementary quote for home insurance Little Elm Texas      Melliand Insurance is a full service independent insurance agency providing affordable home insurance Little Elm Texas.  We have many carriers such as Travelers, Metlife, Encompass, Foremost, Homeowners of America, and Universal North American.  Our main goal is to maximize your home insurance Little Elm Texas at an affordable rate.   We have over 13 years of insurance experience and besides trying to get you an excellent product at an affordable rate, we also believe service [&hellip

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What is Homeowners Insurance? 0

Posted on 3, April 2013

in Category Homeowners Insurance

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. [&hellip

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