Homeowners Insurance for Dallas, Liberty Hill, McKinney, Austin, Cedar Park, Allen & Surrounding Areas
Thoughts of home aren’t filled with images of 2X4’s, plumbing, wiring, or drywall. When we say home, we’re flooded with memories of late-night conversations at the kitchen table, unwrapping gifts in the living room, cuddling on the couch watching a great movie. There are bedtime stories, bandages on skinned knees, pictures of prom dates by the front door and so much more. DSM knows that home is where the heart is and protecting your home means making sure you’ll always have a place to make more memories.
DSM professionals analyze your life and lifestyle, identify risks and assets so you’ll have the coverage you need at the right price.
Know What You’re Getting
While homeowner’s policies can vary greatly when it comes to details, most offer four basic types of coverage:
- Insurance Protection for Your Home’s Physical Structure
What would it cost to rebuild your home at today’s construction costs? That’s the home insurance you need. Using estimation tools and targeted calculators, your DSM agent will help you ensure your home policy includes the proper amount of coverage to rebuild.
- Insurance for Personal Belongings
Conduct a home inventory, making a detailed list of everything you own. Gather info to determine the cost of replacing those items in the event of theft or destruction by a disaster such as a fire.
- Liability Protection
This protects you against lawsuits for bodily injury or property damage caused by you and/or other family members. It also pays for injuries to others caused by pets. This coverage pays for both legal defense costs and any damages ordered by a court.
- Coverage for Additional Living Expenses
when a covered loss makes it impossible to live in your own home. It can pay for temporary living such as hotel bills or rental expenses, as well as restaurant meals and other living expenses incurred while your home is being rebuilt.
This sounds like very broad and comprehensive coverage, but when the exclusions and limits aren’t addressed, you could be left with major out-of-pocket expenditures.
For instance; standard homeowner’s insurance policies do not cover floods or earthquakes, as well as other risks. Many of these policies do not provide coverage for high-value belongings. Here’s the good news. Your DSM insurance agent can add endorsements to your home insurance policy that provides the necessary coverage. Knowing what is and isn’t covered is what we do…and discovering what you need enables us to put the right policy in place for you.
There is tremendous variation between insurance carriers and your DSM insurance agent knows how to choose between carriers to ensure you get the coverage you need. As Independent Agencies, the DSM family brings the best of the nation’s insurance carriers together under one roof. We compare coverage and pricing to ensure you have a policy that addresses your risks, protects your assets and enables you to enjoy your home with peace of mind.
We Find Ways to Save
Our intimate knowledge of the many different insurance carriers in our network includes an understanding of applicable discounts. Many offer a multi-policy discount when you carry both homeowner’s insurance and auto insurance with the same insurance company. You save money for the convenience of having one insurance company for your major lines of insurance protection! Homes equipped with specific safety features qualify for additional discounts. These can include anti-theft devices, deadbolt locks, fire extinguishers, smoke detectors, fire alarms, and fire sprinkler systems.
Our Homeowner’s Insurance options can include coverage for:
- Rental Property
- Mobile Homes
- Vacant Homes
- Homes under construction
- Fire Policies
- Coastal Property
- Jewelry, Artwork, Fine Wine Collections, etc
- Farm & Ranch