Home insurance is notoriously specific — yet we still make assumptions and believe things we hear through the grapevine. Since the worst thing in insurance is a surprise, it’s time to do away with all of the myths. C.I.S Insurance – Crop Insurance Solutions, LLC in Dumas, TX, is on myth debunking duty.

These 3 Home Insurance Myths Must Come to an End

Standard Home Insurance Basically Covers Everything

Make no assumptions about the level of protection standard home insurance packages afford. In fact, when talking with your insurance company, interrogate them about the small details. Most standard policies, for example, don’t cover penetration of water into your home from a flood or storm. You’d think that would fall under other protection you get from the weather, but since flooding can cost an insurance company so much more to coverage, it’s going to be extra. Make sure you know exactly what is and isn’t covered before (and after) you buy.

All Deductibles Come out of Your Pocket

Some good news: not all deductibles need to come out of your pocket.  In Texas, a standard deductible is taken out of the value of your claim by your insurance company rather than demanded out of your bank account. Read up on your policy’s specifics regarding deductibles to be sure what yours will look like.

Home Insurance Companies Always Cover Belongings

To get the most out of your home insurance quote, you’re going to have to take a home inventory: an exhaustive list of the items that you keep in your house. Have photographic evidence and appraisals ready to back up your list; that way, when you approach your home insurance company with a claim, they’ll know exactly how much money you should get.

C.I.S – Crop Insurance Solutions, LLC has been in the Northern Texas insurance industry for 35 years. Their transparency and knowledge of Texan insurance needs are what’s kept them there. Cut through the myths and the insurance jargon with one of their specialists today by calling (806) 935-6512 or visiting their website.