swingle collins & Associates

HOMEOWNERS INSURANCE

 

Our clients often have unique needs relating to architectural designs, valuables, multiple structures, and security that require enhanced protection. Our Personal Risk Managers thoroughly assess each property, its contents, and surroundings to recommend appropriate coverage against any accident, theft, or disaster.

We work with insurance carriers that value our clients, their homes, families and possessions.  They have earned our confidence for quick and fair settlement claims. We facilitate the claims process with the insurance carrier on our clients’ behalves to ensure that their claims are handled expeditiously and satisfactorily.  Below are some of the advantages our insurance carriers may provide.

COMPLIMENTARY HOMEOWNER’S INSURANCE SERVICES:

  • Complimentary Home Appraisals

  • Unlimited Extended Replacement Cost

  • Unlimited Rebuilding to Code

  • Unlimited Temporary Living Expenses

  • Optional Cash Settlements

  • Coverage of Other Structures

  • Special Limits for Valuables

  • Numerous Other Special Coverages

Whether protecting a home, a condominium, or a vacation home, we’re here to make sure that our clients have adequate coverage to protect not just their homes, but their lifestyles.

Please contact one of our Personal Risk Managers for more information in adequately protecting your home.

CONDOMINIUMS

If you are only insuring your possessions and relying on the condo association’s policy to completely rebuild your condo, you could be in for a big surprise. There are a broad range of risks that you could potentially be exposed to by not reading your association’s bylaws and accurately insuring your condo.  Swingle Collins & Associates can provide you with a comprehensive bylaw review and provide you with appropriate protection for:

  • Additions and alterations

  • Personal property and content's replacement cost

  • Loss assessments

  • Personal liability

  • Additional living expenses

  • Flood insurance and windstorm

  • Earthquake Insurance

FLOOD INSURANCE

In North Texas, most people don’t think they need flood insurance until it is too late. Flood damage is excluded from a homeowner’s policy. Anywhere that it rains, it can flood. Almost 25% of flood insurance claims are from moderate-to-low risk areas.

Swingle Collins & Associates has access to the government primary and excess flood programs as well as private programs providing higher limits without the extra fees.

EARTHQUAKE INSURANCE

With the earth in Texas rumbling for the first time in many years, many people want to know how to insure against earthquake exposure.  Swingle Collins has many different Homeowners insurance companies that offer earthquake insurance to protect your home from the loss due to an earthquake.