If you live in Highland Village, TX, you may be interested in how your home insurance works in case your personal property is lost, damaged, or stolen. Thompson Insurance Services wants everyone to know how they can keep their things protected from any number of threats. From criminals to smoke, we’ll look at how different policies work and what you can expect in terms of coverage. 

Make No Assumptions 

This is not just a good strategy in life, it can also save you from being surprised when you go to file an insurance claim. Some people may assume that their things are covered during certain events, only to find that their policy only covers the physical structure. So while home insurance may be able to help you fix the siding of your home, it won’t be able to replace the furniture in your living room. 

Standard Policies 

If you do have coverage, your things would typically be protected from things like natural disasters and theft. If your things are stolen — even if they’re not at home during the time of the theft — you should still be able to file for them. Just keep in mind that home insurance policies in Highland Village, TX do not cover flooding damage unless you have a specific rider attached to it. 

If you’re looking for someone to talk to about how to protect your things, especially if you’ve acquired a lot more stuff since you first bought the home, Thompson Insurance Services is here to help. When you contact us, we’ll tell you more about how your coverage limits will impact you under a variety of circumstances which can help you choose a policy that you’re comfortable with.