| Buying home owners insurance is mandatory in most | | | | friends, don't let the cordial relationship fool you into |
| states and is put there as a measure of protection | | | | thinking that they will not sue if injured. In addition, |
| we can not live without. Premiums may be costly, | | | | handy men and contractors may pursue a liability |
| however, in the event of emergency, your policy can | | | | claim should they trip on an uneven cobblestone or |
| save you from rack and ruin. According to a | | | | fall from a ladder. Be sure your policy is complete and |
| comprehensive insurance study conducted from 2000 | | | | comprehensive to cover all manner of personal injury |
| to 2007, Texas insurance claims have been | | | | on your property. |
| dominated by water damage issues. Some of the | | | | 3. Animal Attacks. |
| most common insurance claims to be collected also | | | | Dog bites are a frequently seen claim as dog owners |
| include fire, individual personal claims and even dog | | | | are percieved as prime targets for those who wish |
| bites. You can never second guess what kind of | | | | to collect for a canine attack. If you own a dog, be |
| incident may cost you a payout, so be sure to | | | | sure your policy has a personal liability up to $100,000 |
| secure your home with the maximum coverage. | | | | in the event that Rover see's fit to nip. |
| According to statistics from the nation's leading home | | | | Unfortunately, the claim courts do not probe too |
| insurance companies, these four claims top the list: | | | | deeply into the circumstances for the bite, and don't |
| 1. Water Damage. | | | | care whether the recipient had it coming or not. Dog |
| Water damage coverage is not just for flood zones. | | | | owners are responsible to keep their pets under |
| Internal circumstances such as a water heater burst | | | | control or shell out a fortune in court. |
| or careless operation of a bathtub can occur and | | | | 4. Fire Claims. |
| cost you big bucks to repair. Drainage overflows, | | | | Fire insurance is essential to rebuild a life reduced to |
| hurricane conditions and a leaky roof are just a few | | | | ashes, but be sure that you can back-up and validate |
| of the monetary make-up of the water damage | | | | all your recovery money. Insurance claims |
| scenario. | | | | professionals are willing to help, but are also trained |
| 2. Accidents. | | | | to sift through hyper-inflated monetary losses. When |
| Home owners are just as accountable under the law | | | | declaring your possessions and valuables, the best |
| for someone being injured on their property as is the | | | | results ensue when you can assert the exact worth |
| commercial policy owner. We tend to think its | | | | of the object, rather than rounding the figure out |
| grocery stores and restaurants that have to deal | | | | with a guess. Extended fire insurance plans may also |
| with slip and fall injury claims, however, the home | | | | cover the costs for temporary housing and living |
| owner who is host to an accident runs the risk of | | | | expenses. These details should be carefully |
| financial ruin if the injured party sues. Although most | | | | considered before committing to a fire insurance |
| people welcomed into the home are family and | | | | policy. |