You weighed your options and decided on an HO-3 home insurance policy. You chose replacement cost over actual cost, and now you need to customize your policy, so it covers everything inside your home, too. 

Your Custom Home Policy

When Armadillo Insurance Agency says home insurance doesn’t come standard, we’re not kidding! Since every Austin TX home differs, so should every Austin, TX’s homeowners’ insurance policy. What you need differs from your neighbors’, so you’ll need to determine the major items requiring extra coverage.

Your HO-3’s policy covers your personal property up to a percentage of the home’s value. That doesn’t cover everything you own to its full value though, unless you have an empty house. This blog explains the customizations you can make to a policy.

First, are you married or engaged? Look at your left hand, if so. Could you afford to replace the rings on it? If not, insure them specifically with a jewelry clause.

Second, do you run a home-based business? You need to add coverage for your business equipment and business liability.
Third, how many hobbies do you and your family have? Do any of them require expensive equipment like a 35 mm camera and film development equipment? You’ll need to add a rider to cover those items.

Fourth, do you or any member of your household engage in sports? The equipment to train for it can cost quite a bit. For example, a home gym or road bike can cost thousands. Add a hobby or toys rider to your policy for these items.

Fifth, do you own any haute couture or designer clothing or suits? Could you afford to replace those $5,000 to $7,000 suits all in one fell swoop? What about those designer dresses you nabbed for a song online? Add extra personal property coverage for their replacement.

Contact Armadillo Insurance Agency in Austin, TX today to learn more about customizing your home insurance policy. It can cover the replacement costs of your personal property, you’ll need to add to its coverage to do so.

Home insurance protects you in a number of ways. It’s an important form of financial protection that every homeowner needs to have. If you need a home insurance policy, call us today at Armadillo Insurance Agency in Austin, TX to find out more. 

Protection for Your House

When you have home insurance, it offers powerful protection for your house itself. If the house is damaged or destroyed in a covered incident, your home insurance will pay for the repairs or the complete rebuilding of the house. This protects your biggest asset from damage that can happen due to a number of different circumstances. When something happens to damage your house, repairs can be extremely costly. That’s why it’s so important to have this insurance. 

Protection for Your Possessions

If something happens to damage your belongings that are inside the house, this coverage can pay to have them repaired or replaced. When you add up everything inside your house, it comes to a huge amount of money. Replacing all of that would be beyond the budget of most people. With your home insurance policy, all of that can be paid for without it coming from your own pocket.

Protection for Your Liability

When someone comes to your home and has an accident there, you may be liable for the resulting medical bills as well as other costs. With liability protection, the policy pays for those bills that you’re liable for so that you don’t have to. This also means that it’s much less likely that you will be sued, as it will be the policy that owes for the bills. 

Get Home Insurance 

To find out more about home insurance, give us a call at Armadillo Insurance Agency in Austin, TX to talk to an agent about this type of insurance coverage.

As the winter cold starts to creep in, Summer is fading out and Fall is in the air. That means it’s time to clean your home from top to bottom. Something about a complete refresh simply can’t be beaten. Here are four cleaning tips to get the job done.

1. Create a Cleaning Calendar

There are a lot of nooks and crannies in your home that don’t get regular attention. It’s a lot to get done, and you’ll need a schedule to keep the family in line. A cleaning calendar keeps everyone accountable for their chores. 

2. Make a "Sell" Pile

Everybody has clutter. Getting rid of the junk you don’t use anymore is a crucial part of a good cleaning. Whether you have a yard sale out front, donate it to charity, or start auctioning it off on eBay, get stuff out of the house.

3. Clean Your Home’s Air

One of the most important things to clean in your home is the air. Changing air filters and upgrading to HEPA and/or activated carbon goes a long way to improving health. In fact, NASA has a list of houseplants that act as air purifiers. You can even bring some flowers into the house for a natural potpourri. 

4. Update Your Insurance

It’s not just your home – you should clean up your finances at least once a year too. With tax season upon us, updating all your paperwork is a good idea. Since you just sold a bunch of junk, your insurance coverages could use a second look too.

Fall cleaning can become a tradition. It’s a necessity. Contact Armadillo Insurance Agency today to clean up your insurance policy in Austin, TX.