RateGenius Insurance

9300 United Drive, Suite 180
Austin, TX 78758

How to Make a Home Insurance Claim

Since your home is probably the most expensive investment you have made, you want to make sure that if anything happens to it, it can be restored to its original state as fast as possible. Having home insurance with Rate Genius Insurance gives you peace of mind knowing that in case of any disaster, your home’s repair/replacement costs are covered. Homeowners in Austin, TX face several risks, including burglary, damages from natural causes, and man-made damages that could damage or destroy their homes thus forcing them to make a claim with their insurance providers.

Making a claim is not just a matter of calling your insurance provider; there’s much involved. Knowing what to do can make the process less stressful, and here’s how:

Inform your insurance company immediately

It’s advisable to file a claim as soon as possible to ensure repairs are done so you can get back to your daily routine in the shortest time possible. Furthermore, it prevents further damages. You will receive an adjuster who will assess the damage and estimate the cost of damages. Don’t shy away from asking questions.

Document all damages

Take photos or footage of the aftermath. This can be useful in moving the claims process faster or provide evidence in case of a dispute. Take an inventory of all damaged or lost property. Also, don’t throw away damaged property before the adjuster sees them.

Prevent further damage

After documentation, make the necessary repairs to protect your property and your health. Keep receipts for such repairs. However, avoid permanent repairs unless your insurance company instructs you to do so.

At Rate Genius Insurance, we provide affordable and reliable home insurance policies. Our knowledgeable agents will help you determine what coverage options are suitable for your Austin, TX home. For more information, contact us today.

Can You Add Commercial Insurance to Existing Policies?

Commercial insurance is something that all business owners can benefit from, and with the right policy, you and your business can both be protected. Commercial policies do a great deal to help make sure that the business does not go under should something happen, and that the business owner does not foot the majority of the bill should they need to rebuild, pay employee medical bills, or replace merchandise. For those that live in the Austin, TX area, the agents with Rate Genius Insurance can help you to find the policy you need every time.

Commercial Insurance and Existing Policies

Odds are your insurance company offers commercial policies of some sort. This makes adding a commercial policy to your existing account or existing premiums easy. In many cases, all you have to do is take out an extra commercial policy with your current insurance company, and you can then pay all your premiums at once. This is going to allow you to make the most of your policies and is going to simplify paying for your insurance every month. Though you do have to have separate coverage for it to be considered a commercial policy, you do not necessarily have to have another insurance company to have a policy.

It is always best to check with your current insurance company to see if they offer a commercial policy before you seek out another company or agency to fulfill your needs. With the right commercial policy, your business can be protected from just about anything. For those in the Austin, TX, the agents of Rate Genius Insurance can help you find a policy to fit your lifestyle and needs. Contact our offices to get a quote and get started.