There are obvious times to review your home owner’s insurance. Here are a few surprising things that can impact your policy and its premiums in Highland Village, TX. 

Wood and Pellet Stoves

• If you are considering installing or removing one, reach out to your insurance agent to discuss the impact it will have on your premiums. Homes that contain either type of stove are more at risk of fire damage, which can increase the cost of your policy. They may also require professional installation. If you are determined to have the crackle of a fire no matter the price, remember these three tips to reduce your household risk: 
• Have your fireplace inspected annually to determine maintenance issues and clean the chimney once a year to prevent residue build-up. 
• Keep rugs, drapes, and other flammables away from your fireplace. Keep a screen up to keep sparks and ash inside of the fireplace and not on your floors.
• Use seasoned, properly dry hardwood. It will burn longer and cleaner, producing less soot. 

Man’s Best Friend

Dogs are great companions, but they can impact your insurance premiums. Texas homeowner’s policies will typically extend liability protection in the event the family dog bites a visitor. However, it’s important to note that many providers have breed restrictions. If you are in the market for a new dog, review your provider’s restricted breed list. However, know that not all insurers use the same list, and some insurers don’t look at breed at all. So if you have your heart set on a specific puppy, it’s worth shopping around. 

If you are ready to review your policy to ensure your coverage meets your needs, call or stop by Thompson Insurance Services today.