Property insurance encompasses a range of options that provide added coverage for valuable items not covered by normal homeowners insurance, condo insurance, or renters insurance policies. Each of these types of insurance shares a common purpose in protecting your valued possessions against loss or damage due to specific events. At Insurance Solutions of Texas, Jay Harris leads a team of knowledgeable insurance professionals who can help you decide which add-on policies offer the most cost-effective solutions for your specific set of needs.
Personal Property Riders
Valuable items that include jewelry, art collections, furs, computing equipment, musical instruments, and other high-dollar-value property are usually not covered under your basic homeowners insurance policy. We can provide you with insurance riders that detail the items to be insured and catalog their value, location, and current condition. In the event of a fire, weather event or theft that results in the destruction, damage, or loss of these valuable items or rare collections, your policy will pay the assigned value to you as compensation. This can provide protection against financial loss for you and your family.
Recreational Vehicle Coverage
Many auto insurance and home insurance policies may not cover recreational vehicles or ATVs under their normal property protections. We can provide you with added insurance riders that include ATV insurance or recreational vehicle insurance at cost-effective rates. This additional coverage can protect you against financial loss due to damage to your RV or ATV and may provide added liability protection as well.
Exterior Structures Coverage
While your home and any attached buildings are covered under your homeowners insurance policy, outbuildings and detached garages may require added insurance riders to ensure that they are fully covered in the event of a fire or major weather event. These low-cost add-ons can provide protection for barns, sheds, and other structures on your property and can pay for repairs due to any covered event.
Designed especially for renters, these insurance policies cover the value of the contents of an apartment or townhouse. They provide excellent financial protection and can be designed to pay the current value of stolen or destroyed property or the full replacement cost of identical or substantially similar items. This coverage can ensure that renters enjoy the same protections for their personal property as home and condominium owners.
Our insurance experts can help you navigate these added coverage options and provide you with cost-effective protection for your personal property. We deliver personalized insurance solutions for Sugar Land residents and serve the entire Houston metropolitan area to include Katy and The Woodlands. At Insurance Solutions of Texas, we specialize in customized insurance portfolios that protect the things you value most.