​Owning a pool can provide countless hours of enjoyment and relaxation, especially in the warm climate of Houston, TX. However, along with the pleasures of pool ownership, there are important considerations for pool safety and the impact on your home insurance coverage. Ensuring the safety of those who use your pool and understanding the insurance implications are essential for every pool owner. In this blog, we will explore the key considerations for pool safety and how they relate to home insurance.

When it comes to protecting your home against unexpected events, home insurance is a vital safeguard. While most homeowners are aware that their policy covers hazards such as fire and theft, there are several uncommon hazards that home insurance can also provide coverage for. Understanding these lesser-known hazards can help homeowners make informed decisions about their coverage and ensure they have the comprehensive protection they need. In this blog, we will explore some of these uncommon hazards that are covered by home insurance in Houston, TX.

Owning a vacant home comes with unique considerations and risks. Whether your property is awaiting sale, under renovation, or temporarily unoccupied, it's crucial to understand the uncommon coverage needs for vacant homes and ensure you have the appropriate insurance in place. Vacant homes present additional vulnerabilities that standard home insurance policies may not adequately address. In this blog, we will explore the uncommon coverage needs for vacant homes and shed light on the insurance requirements homeowners in Houston, TX, should be aware of.

Your home is more than just a place to live—it's your sanctuary, your nest. As a homeowner in Houston, TX, it's important to protect your investment and ensure that you have the right home insurance coverage. While most people are familiar with the basics of home insurance, there are some uncommon tips and considerations that can help you enhance your coverage and safeguard your nest even further. In this blog, we will explore uncommon home insurance tips to help you make informed decisions and secure the best protection for your home.

There is no such thing as furnace insurance or furnace replacement insurance. But if your furnace or boiler is damaged or destroyed by one of the perils covered by your homeowner's insurance, that expense might be covered. 
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If your furnace has a mechanical issue, a standard policy won't usually pay for the cost of repair or replacement. However, you may be able to add an equipment breakdown endorsement for a fee to receive coverage.

​A tiny home is a small dwelling under 100 to 400 square feet designed to save space. Because of its tiny space, a tiny house usually isn't covered by a standard home insurance policy. You can have it insured with a mobile or manufactured home insurance policy. 

​One of the greatest investments you might make is your home. In catastrophes, this investment can only be protected by homeowners insurance. In ensuring you're covered, here are some of the must-haves for homeowners insurance.

​Homeowners insurance coverage safeguards a house by covering any losses or injuries to the property. The insurance policy often includes liability security to compensate for mishaps or injuries sustained while on the premises. 

But what happens if a home insurance policyholder dies? The following information and tips may help you become knowledgeable about what the spouse or successor may do after the death of their loved ones.

​Many families choose to live close to their nanny or housekeeper. Often, a nanny will become a lifelong member of your family, growing up with your family and attending family occasions. How do insurance companies see nannies, au pairs, housekeepers, and property managers?

Insurance companies share your admiration for your household help but do not consider them family members. Insurance relies on legal or accepted criteria and is less flexible with terminology such as "family." Consider your nannies or housekeeper to be a "Domestic Employee," someone hired by a single person or a couple to offer household services within their own home. 

Let's look at some common coverages on your homeowner's insurance policy to determine where your nanny, housekeeper, and other household personnel may be covered. We'll also examine situations where you may need to consider additional policies for adequate coverage.

​Insurance may cover the cost of restoration or replacements if your house or possessions are destroyed in an unforeseen incident. Make sure to properly study your insurance to establish your vandalism limitations and deductibles.