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Home Insurance in Dallas County : Real Estate Advice

  • All137
  • Local Info17
  • Home Buying61
  • Home Selling12
  • Market Conditions2

Activity 8
Thu Apr 28, 2016
Susie Kay answered:
That's a very general question as the amount of upgrades, bathrooms, etc will dictate the price of the home. I would suggest having some ideas of what you want and then obtain at least a couple bids from general contractors. ... more
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Mon Feb 17, 2014
John Brooks answered:
For the past several years, I've referred my home buyer clients to Ed Wise of Wise Insurance Group in Dallas. He is responsive, respectful, and shops various carriers to find clients the very best deal. My clients rave about the customer service and savings that they received. Ed is super-knowledgeable, and from reading his blog I've learned a lot about various insurance topics myself. Here's the link: http://wiseinsurancegroup.com/blog/

Any questions for me? Just yell. johnbrookstherealtor@gmail.com or http://www.johnbrooks-realtor.com Thanks!
... more
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Sat Jul 27, 2013
Matt Johnson answered:
Thanks all for your feedback.

Simon, I thought the same thing regarding American Title in Houston, but after speaking with them earlier in the week they confirmed they are unaffiliated with American Title that was in Dallas in the 1990s.

Kim, my next call will be to the Texas Dept of Insurance to find out where my policy landed.

Thanks again.
... more
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Thu Aug 30, 2012
Bess Dickson answered:
Renters insurance. You are responsible for insuring your personal belongings contained within the apt. Generally a premium is just pennies a day. If you do have a special collection or items of particular value you may want to consider an additional rider to cover those items. Speak with a reputable insurance agent for the best plan for your situation. Bottom line, its affordable peace of mind. ... more
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Thu Jul 19, 2012
Anna M Brocco answered:
For an accurate picture of costs contact a few local insurance companies and ask for free quotes based on your needs, then choose the package that best suits you.....
1 vote 5 answers Share Flag
Sun May 27, 2012
T.E. & Naima Sumner answered:
We use an estimate of 1/2 to 1% of the value of the house to give people an idea of what insurance will cost, but that's not a promise.
A lot of factors go into the quote you'll get:
1. Value of the Property
2. Amount of the Deductible (fixed $ amounts are usually higher than 1% or 2%, but look out!)
3. Other risk factors (some companies check your credit to decide your risk) and you might have a pool or live in certain zipcodes with higher losses.
4. Inflation protection
5. Straight insurance or replacement cost - are they going to pay you back at depreciated value minus deductible or at replacement cost? If your straight coverage is too low, will you be subject to co-insurance payment?

The point about deductibles cannot be overemphasized. If your roof is heavily damaged by wind or hail, how much will you be out of pocket? A 2% deductible policy may be cheap, but your $6,000 roof will take $2200 out of your pocket if your house is valued at $110k.
... more
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Wed May 9, 2012
T.E. & Naima Sumner answered:
The North Texas Real Estate Information Service we all dip into for MLS goes back only until 1/1/2002.

A few stray are available (maybe 5) from 2001 and 2000, but all the rest were archived long ago, including 1996.

Alternative methods to find a price you paid are to look in the deed records and see if they happened to record any information at that time, but it is difficult to look them up without knowing more, like the address.
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Thu Jun 4, 2009
Donald Stevens answered:
I can write homes in TX with a 250 deductible and a 500 deductible. Obviously the higher the deductible, the lower the rate. We would be happy to wiegh all of your options and give you 5 companies to pick from. We represent multiple companies so we can find the right one for you. Call us or visit our website. 888-GET-GLIGA or www.getgliga.com

The Home Insurance Specialist
... more
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