Home Insurance and Your HOA: What is Covered Exactly?

More and more neighborhoods in the Arlington, TX area are being built with a homeowner’s association included in the design. When shopping for a home or buying home insurance, your agent at State Insurance Solutions reminds you to check on the details and fully understand what you are responsible for and where the communal areas begin.

Sidewalks, Mailboxes, and Porches: Check with the Office

Before you start replacing a damaged mailbox or sidewalk after severe storm damage, take a walk down to the HOA office and check out what items are included in your monthly fees. If they maintain your porch, mailbox, and front walk, then your home insurance will not cover the cost of repairs. If the HOA hires somebody to paint or repair any structure in the neighborhood, it must insure that item.

Streets and Playgrounds: HOA has Your Back

In general, communal entertainment areas and general access to the neighborhood are funded by your fees. Should your child slip and fall on the playground slide, you will need to connect with the HOA insurance company. However, liability for your neighbors’ kids playing in your backyard will be yours.

Your House, Yard, and Shed: Maintain It–Insure It

A good rule of thumb is if you mow it, you are responsible for it. Your home insurance will need to indicate the presence of any exterior building within your property that you along purchase and maintain. Single-home units often require the owner to cover the roof and walls, while duplex situations are more likely to require condo insurance.

For more help in making sure that your Arlington, TX home has the right coverage, sit down with your agent at State Insurance Solutions today. They will help you craft the home insurance policy that protects your property without charging you extra for HOA owned areas and buildings.

Getting and Comparing Auto Insurance Quotes

Whether you are getting an auto insurance policy for the first time or changing from one insurance company to another, it is definitely wise to get auto insurance quotes before deciding which insurance company and policy to get. Here are some key tips on getting and comparing auto insurance quotes, brought to you by State Insurance Solutions serving the Arlington, TX area.

Narrowing down the search

There are so many auto insurance companies and options available that it can get overwhelming and confusing as to where to start your search. Narrow down to a handful of companies that have great reputations. Look for companies that are highly rated by their industry and by satisfied customers.

Obtaining quotes

Once you have narrowed down to about five or fewer auto insurance companies, request quotes. You can typically do this online. Be sure you are comparing apples to apples by obtaining quotes that all have the same coverages and specifications.

Comparing quotes you obtain

Make a comparison between the quotes you obtain, looking at factors like total cost and what benefits you will receive for that cost. Keep in mind that the least expensive policy might not be the best option for you. As the saying goes, you get what you pay for, so consider the quality of coverage you will be getting for the amount you will be spending. Take your time while you compare policies, as the decision you make on which insurance company to go with is a big one.

Working with a trusted company can help to streamline your search for auto insurance, and that is where we come in. Feel free to contact us at State Insurance Solutions serving the Arlington, TX area if you need assistance with your auto insurance search.