Only your present can secure your future. To say precisely, if you get your home insured today, the shelter for your family will be secured against damages tomorrow. Your home insurance buying decision will be fruitful for your residence in hard times. After all, home is a lifetime property. Particularly in Texas where coastal counties are always under threats from the fury of nature, home insurance is a multibillion dollar need. Let’s take a short look at what homeowners in Texas have gone through:
It was the Memorial Day in 1981 when savage floods hit Central Texas and caused a massive loss worth millions of dollars to homeowners apart from claiming about 20 lives. Some of the homeowners whose residential properties were not insured purchased home insurance in the weeks following the 1981 flood in Central Texas. The number of those homeowners was meager though.
Those whose homes were still uninsured in the following years of somewhat stable weather suffered a setback when nature took a heavy toll on them in May 2015. Then, Texas experienced a sort of the worst flooding in more than three decades and reminded the owners of the uninsured residential properties how important home insurance is. Most of the homes between Austin and San Antonio were heavily damaged in floodwaters. In August 2017, Hurricane Harvey repeated the consequences of having no homeowners insurance in Texas.
Undeniably, home is the most valuable possession. Reportedly, every other American works hard one third of their lifetime to pay off home loans. Not everyone has adequate savings to repair severe damages to their dear homes. This is when and where Christian Insurance Agency steps in to provide protection to homeowners in Texas. Even a hailstorm like the one in Texas’ Hidalgo County in 2012 can cost thousands of dollars for repairing damage to the roof or side walls. Most of the time, roof damage costs a lot more than damage to other parts of a home.
Owing to the lack of home insurance or inadequate home insurance coverage, not only you will be left lamenting repairing costs but also your home may be rendered unlivable. On top of that, your home may not hold a fair resale value in the market, and you lose the peace of mind consequently.
According to the government statistics, something between $11,000 and $25,000 is an average cost for repairing or replacing a roof in Texas. It will take you from 6 to 14 years to save that much money so that you can afford to pay for repairing or replacement of a damaged roof. In contrast to repairing or replacement costs, home insurance premiums are lesser than $1,700 on average, for homeowners in Texas. And, it’s always wise to invest small amounts as home insurance premiums for protection of your home against damages from natural disasters or unexpected accidents rather than paying a lump sum at a time.
Do feel free to call at 281.789.4070 and consult Christian Insurance Agency for better advice on how to protect your home in Texas if you are still skeptical about the importance of home insurance.
You can call us at 281.789.4070
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