Homeowner's Insurance
Your home is the center of your life - For most people, it is the most important investment you may ever make.
Here at Mark Bigham Insurance, located in The Woodlands, TX, the heart of Montgomery county, we offer tailor made homeowner's insurance packages ranging from the Basic Dwelling policy to highly sophisticated homeowner's insurance packages.
Our Homeowner's insurance packages include:
Dwelling:
Full Replacement cost is available (rooms, fireplaces, tile and hardwood flooring, roof, fixtures, appliances and etc). This pays to repair OR rebuild your home if you have suffered a loss. Many of our packages include extra costs to allow for demolition cost of removing the damaged portion of the home, and haul away costs to have it removed as required for the new construction.
We analyze, along with your Insurance Carrier, very carefully, the reconstruction cost of your home. After all, we are here to make you whole, in the event of a loss. Nobody likes to be surprised by expenses they were not aware they needed to pay, when they make a claim. We are here to make sure that does not happen!
Additional Replacement Costs:
This coverage is key for Texas, especially along our coastal areas and into Harris, Fort Bend and Montgomery counties. This coverage allows for EXTRA INSURANCE, that you may need to rebuild your home in the event of a loss. Often, after hurricanes or tropical storms (recent examples include Hurricane Ike and Hurricane Katrina), the cost of certain materials and contractors may escalate temporarily as a result of the heavy demand. As a result, we include this very key homeowner's insurance coverage endorsement or option, on most of our homeowner's packages.
Loss of Use:
This pays for living expenses if a covered loss requires you to leave your home temporarily, while it is repaired. Again, this is a very important for Texas residents and their Homeowners insurance, especially along the coastal areas of Texas.
Contents or, your belongings:
Our homeowner's insurance includes replacement costs for your belongings! In other words, there is NO deduction for depreciation! For example, if your TV required to be replaced due to a particular peril, you are compensated for the amount to replace the TV at today's new prices!
Please REVIEW your current policy, as many companies may not include this important Replacement Cost coverage!
Personal Liability:
A very important coverage to have on your Homeowner's Policy!
This provides coverage for bodily injury or property damage for which you are legally responsible. For example, if have a neighbor's child visiting your children and the neighbor is injured on your property, you are legally liable.
Many companies offer more enhanced personal liability coverage which is a conversation we would like to have with you.
Question:
Does your homeowner's insurance policy coverage legal liability for your dog? Call us today and we can review your policy for you. If you have a dog of any size, this is a very important coverage to have.
ADDITIONAL COVERAGES
These are available and are included with many packages to cover a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord's furnishing, and some building additions. These vary depending upon the company and the specific endorsement.
Call us today and let's review your current coverage and analyze how it compares to what your need.
We are located at:
Mark Bigham Insurance
26202 Oak Ridge Drive, Ste A200
The Woodlands, TX 77380
(281) 292-4900
fax (832) 381-3499
