Kayla Williams Dinardo

Homeowners Insurance:
How do you define dream house? You might’ve chosen a Spanish-style hacienda on your favorite golf course, a center-hall colonial in a great school district, or a perfectly restored mid-century modern. Your home is a major investment, but — more than that — it’s where you raise a family, entertain friends and create lifelong memories.

Whether you live in the perfect starter house, a custom-built dream home or something in between, one thing is true: You want to protect the life you’ve made there.

Here are some typical situations in which Homeowners Insurance can help:

There’s a fire in your kitchen

Risk:
You act quickly and prevent a grease fire from getting out of control, but smoke damages the counters and cabinets in your kitchen.

Coverage:
Property coverage in your policy can help if your house is damaged by fire and/or smoke.

Thieves strike while you are away

Risk:
You return from a family vacation to discover thieves have stolen electronic equipment from your media room.

Coverage:
If your possessions are stolen, damaged or destroyed in an insured loss, your coverage can help replace them, up to the policy’s stated limits.

A visitor is injured

Risk:
A guest at your annual Fourth of July barbecue trips on the steps between your deck and the lawn — fracturing his wrist when he falls against a stone retaining wall.

Coverage:
Medical payments coverage can cover the medical costs if a visitor is hurt on your property, regardless of liability.

A tornado hits

Risk:
You heard the warning sirens and escaped uninjured, but you can’t live in your house while tornado damage is repaired.

Coverage:
Coverage for additional living expenses can help with the extra cost of temporary relocation caused by a covered event.

Instance where your homeowners insurance could help with losses away from your home:

Your jewelry is stolen

Risk:
You mastered the basics of surfing during lessons in Hawaii — but your wedding ring is stolen.

Coverage:
With personal possessions coverage, lost jewelry is covered up to your policy limits.

You lose your passport

Risk:
While on vacation in Europe, you lose the tote bag that has everyone’s passports.

Coverage:
Your homeowners policy can help with the cost of replacing passports and other valuable papers.

Homeowners policies generally cover valuable items like jewelry, artwork and collectibles — but usually at relatively low limits. With personal articles floaters, you can insure specific valuables at higher limits.

Farmers Insurance provides multiple options for Auto Insurance Products at a competitive price. Your price gets even better if you qualify for any of our available discounts, and no one has more auto insurance discounts than Farmers. When applying for auto Insurance in Austin, TX you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. Our team will explain what all of the coverages mean in a way that's easy to understand. We will make sure you have all of the coverage you want, and that you are not paying for anything you don't need.

Auto Insurance Coverage options in Austin, TX:
Collision and comprehensive (other than collision) coverages

Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both. However, even if your vehicle is paid off you may still want to have comprehensive and collision coverage depending on the value of your vehicle.

Collision coverage insures you against damage to your vehicle caused during an accident.
Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, hitting an animal, hail, and vandalism.
Collision and comprehensive (other than collision) coverage usually include a deductible, which can range from $500 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability coverage

Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident. In the state of Texas, you are required by law to have $25,000 of Bodily Injury Coverage per person, $50,000 of Bodily Injury Coverage per accident, and $15,000 of Property Damage Coverage at a minimum. On your policy, these limits often get abbreviated and condensed to show as 25/50/15. While these limits make you legal to drive, depending on how much damage is caused in an accident you may need more coverage. The experts on our team can help you determine how much coverage is right for you. We can show you how to increase your limits and/or add a Personal Liability Umbrella to make sure you are properly protected.

Medical Payments coverage

Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance and do not need help paying for your medical bills if you are in an accident, you can choose to reject this coverage.

Uninsured/Underinsured Motorist Bodily Injury coverage

This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries, lost wages, and pain and suffering. It also covers you if you are in an accident with a hit-and-run driver. If you do not have health insurance, this is an essential coverage to have on your policy. If you do not need help paying for medical bills, and lost wages if you are in an accident because you already have those things covered by other policies or benefits, you can choose to reject this coverage.

Optional coverage

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required but should you want them on your policy we can help you add them.

How much do I need?

Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), the value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk. The licensed insurance experts on our team can help you determine the correct amount of coverage for your unique situation.

Here are some additional lines of insurance that we service:

Antique Cars
SR-22
Our professional auto insurance agents in Austin, Texas including the Bee Caves, Westlake, Lake Travis, Cedar Park, and Leander areas, can assist you in finding the right car insurance you need.