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Roca Financial LLC

418 Hays St
Kerrville, TX 78028

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Steenland Insurance Agency, Inc. Blog

Why Kerrville’s Growing Families Should Consider Updating Their Home Insurance

As families grow and change, so do their home insurance needs. In Kerrville, TX, many families find that the home insurance policy they initially purchased may no longer provide adequate coverage. At Roca Financial LLC, we understand the importance of keeping your home insurance up-to-date as your family expands.

Increased Personal Property Coverage

As your family grows, you’re likely to acquire more personal belongings. From new furniture to children’s toys, these items can add up quickly. It’s important to ensure your home insurance policy provides sufficient coverage for these additional assets.

Consideration for Home Improvements

Expanding families often lead to home improvements or additions. Whether it’s a room renovation or a new outdoor deck, these changes can significantly increase the value of your home. Your home insurance policy should be updated to reflect these improvements.

Liability Coverage and Children

Children can inadvertently increase your liability risk. From trampoline injuries to accidental property damage, it’s crucial to ensure your home insurance includes adequate liability coverage to protect your growing family.

Roca Financial LLC: Your Partner in Home Insurance

At Roca Financial LLC, we’re committed to helping Kerrville’s growing families navigate the complexities of home insurance. As your family expands, we’re here to ensure your home insurance policy continues to meet your needs.

The Impact of Local Building Codes on Your Home Insurance in Kerrville, TX

When it comes to home insurance, many factors can influence your coverage and premiums. One aspect that homeowners in Kerrville, TX may not consider is the impact of local building codes. At Roca Financial LLC, we’re here to shed light on this often-overlooked factor.

Building Codes and Home Insurance

Building codes are sets of regulations that dictate the standards for construction, maintenance, and renovation of buildings. In Kerrville, TX, these codes are designed to ensure the safety and durability of homes. However, they can also affect your home insurance in several ways.

Code Upgrades and Insurance Coverage

If your home is damaged and requires repairs, local building codes may require you to upgrade certain aspects of your home to meet current standards. These upgrades can be costly, and not all home insurance policies cover these additional costs. It’s crucial to review your policy and consider adding ordinance or law coverage, which can help cover the cost of these code-mandated upgrades.

Compliance and Premiums

Compliance with local building codes can also affect your insurance premiums. Homes that meet or exceed these codes are often seen as less risky by insurance companies, potentially leading to lower premiums. On the other hand, homes that do not comply with these codes could see higher premiums or even denial of coverage.

Roca Financial LLC: Your Guide to Home Insurance in Kerrville, TX

At Roca Financial LLC, we’re dedicated to helping you navigate the complexities of home insurance in Kerrville, TX. We understand the unique challenges our region presents and can guide you in tailoring a policy that provides the protection your home needs. Contact us today to learn more about how we can help safeguard your most valuable asset.

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