Residential
Type of coverage available:
- Homeowners
- Renters
- Dwelling Fire
- Condo/Townhouse
- Wind/Hail
- Builders Risk
- Flood
- Vacancy
- Mobilehome
- Umbrella
Homeowners Insurance
No matter how long you’ve owned your home, we know that you care about protecting one of your largest assets. At First Choice Insurance Services, LLC, we are here to help homeowners find the most coverage at the best value for their needs, no matter what those needs are! Whether you’re just getting the insurance process on your new home started or you’re looking for new solutions for your beloved property, our agents are here for you. We’re here to help protect what’s most important to your family.
Real Estate Investments
If you consider yourself an investor of real estate, at any level, you know the importance of protecting your investments. You also know the importance of keeping your costs down to maximize your profits. At First Choice Insurance Services, LLC, we can help you put together an insurance portfolio that covers all your exposures while keeping your cost within budget. Whether you are career investor, home builder or first time landlord we have the markets and expertise to design the perfect solution for your insurance needs.
Do you know the difference between Replacement Cost Coverage and Actual Cash Value? Do you have a property that was bought, remodeled, built, listed for sale or rented? Do you know each one of those is a different form of Insurance? Do your properties qualify for a scheduled policy or is it better to insure individually? Do you have loss of rental income in the event of damage to the property that makes it uninhabitable for your tenants? We can help you navigate the insurance waters while you do what you do best, INVEST! It is our job to educate you on all those things. Claim time is not the time to evaluate coverages, Give us a call today for a complete evaluation!
Flood Insurance
Even if you're not required to purchase flood insurance, you may want to buy coverage as Texas consistently has some of the highest fatality rates and property damage costs due to flooding. And nearly one in four flood losses occurs in flood plains that aren't considered high-risk, so even when coverage isn't required, it doesn't necessarily mean your property is safe.
A number of weather events that may occur in Texas can cause flooding, such as flash floods, heavy rains, tropical storms and hurricanes. Flood damage isn't covered by homeowners or renters insurance policies, so you would likely have to pay the associated costs out of pocket. Even if a federal emergency is declared, disaster loans average less than $10,000, and significant damage to your flooring or personal property can easily exceed this amount.
