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We search the market and collect quotes on your behalf from multiple top rated home carriers - making it easy for you to decide whether to renew, bundle or switch carriers.
We'll even cancel your current policy for you.
There are several different types of homeowners insurance policies, and which one you need will depend on your property and coverage needs. Spoudaios helps you through the entire process.
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No commission-driven decisions. No hidden fees. We explain coverages and provide recommendations based on your needs.
We do the legwork for you, so you don’t have to fill out a bunch of different online applications to get your own quote comparisons.
Pays for damage to the structure of your home, ie.. your roof or attached garage
Pays for damaged or stolen personal belongings, ie... if your furniture is damaged
Work with an agency who will help you understand exactly what your premium dollars are being spent on.
Pays for damage to structures that aren’t attached to your home, ie...a shed, detached garage or fence
Pays for medical bills if someone is injured on your property
Pays for hotels, meals, and transportation while your home is being repaired after a accident
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Customers have several options to manage individual risk, and homeowners insurance is a form of risk transfer. Customers enter into a contract by agreeing to pay a premium to transfer the financial impact of risk to another party. In exchange for the premium, the insurance company agrees to accept the financial risks that exceed the deductible, as outlined in the policy language.
The customer also agrees to responsibly maintain the home to avoid potential losses and protect the home from further damage if a loss occurs. If the customer does not maintain the home, the policy language provides the option not to renew the policy each year automatically
It’s your first big investment. You want to make sure it’s protected with the right coverage. And as a new homeowner, you want to know your rights when it comes to homeowner’s insurance. Here’s a good place to start: Texas Bill of Rights for Homeowner’s Insurance.
From tornadoes to floods to hurricanes to wildfires, just about every part of Texas is at risk for a natural disaster. But since weather conditions vary from corner to corner, be sure you know the weather perils specific to your ZIP code and tips for handling those situations. You can also stay in tune with local forecasts to keep up with weather changes, severe weather warnings, air quality, and more.
Most local stations announce weather warnings — like heat advisories — and give tips for avoiding dangerous situations. It’s a good idea to invest in a weather radio and flashlights to see you through any power outages or severe weather.
You may have insurance policies specific to your part of Texas if your area has a higher exposure to risks such as hurricanes or flooding.
There are many items that can affect your premium. Some key considerations are:
1. Quality or type of materials, such as brick versus wood construction or marble versus laminate countertops
2. Community fire protection
3. Exposure to weather
Insurance can be confusing. All of the jargon, terms, and coverages. Work with a local agency who will help you understand exactly what your premium dollars are being spent on.
If you're looking for a better insurance experience you'll love working with us.
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