Southlake Home Insurance Quotes

It’s not that simple to just get Southlake home insurance quotes from a lot of different companies. The reason is that far too many of them fail to give you the information you need. Getting home insurance quotes in Southlake TX should involve more than that. That’s why the professionals with Kirk Bonds Insurance go beyond just giving quotes. We make sure you know what you’ll be buying so you can be completely confident in your ultimate decision.

Personal Property Coverage 101

For example, a lot of companies will give Southlake home insurance quotes without providing any details of what personal property coverage actually means. You’re obviously smart enough to know it covers your electronics, clothing and other possessions. If they’re destroyed due a storm or another type of natural disaster, your insurance will pay for them.

But how much will your insurance pay for those possessions? If you received home insurance quotes in Southlake TX from average companies, they probably didn’t bother to tell you. In most instances, the limits of your personal property policy will usually be about 50-70 percent of your home’s structural coverage – also known as “dwelling coverage.” If, for instance, you have $100,000 in dwelling coverage (you’ll likely have more, of course – we’re just using the number for simplicity’s sake), your personal property will be covered for somewhere between $50,000 and $70,000.

That’s a lot of money, but it might not be enough for you. Say you have some expensive artwork on your walls, or you have an incredible baseball card collection. These are extremely valuable items – they might be worth more than what your personal property policy will cover. This is one of the many reasons you need to be leery of really low home insurance quotes in Southlake TX. They might not take the value of those possessions into account – you’d need a special policy.

Let Us Make Sure You Have the Right Coverage

We’re different at Kirk Bonds Insurance – when we provide Southlake home insurance quotes, we give you the information you need. Learn more by calling (817) 232-1511 or using our online form.