Texas Community Insurance Group by Hoffman Financial Services, Inc.

Texas Community Insurance Group by Hoffman Financial Services, Inc. | Tel (972)758-9300 Fax (972)758-9355 | 1400 Preston Rd, Suite 345 Plano, Texas 75093

THE POWER OF PROTECTION972-758-9300

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Homeowner's Insurance protects against losses to the house and personal property, it provides for temporary living expenses in the event you have to move out while repairs are underway, and it covers many types of damage or injury to others for which the homeowner is liable. Some policies are “all risk” (everything is covered unless specifically excluded), other are “named perils” (covered if the policy says so).	Dwelling Fire Insurance is the correct policy form for those who rent their property to others. It is similar to a homeowner policy in the building coverage it provides, and usually does not include much personal property (contents) coverage – the renters of the property get that for themselves.
Renter's Insurance provides protection for personal belongings for people who live in rental properties. The renter's coverage also provides some protection for your belongings when they are in your car (auto insurance pays for damage to the vehicle, not for loss of contents).	Condominium owners are not normally responsible for the outer walls or roof of their buildings, as the condo association usually covers those. Condominium insurance is similar to renter's insurance, except that it also covers additions and alterations. This coverage fixes and/or replaces things that are attached to the walls, ceilings and floors in the event of a covered loss.
Automobile Insurance protects against losses involving autos you own. It can also provide liability coverage if you are a licensed driver and do not own a car. Policies cover losses for which the insured is liable as a result of owning or operating an auto, and may include coverage for losses to the insured's vehicle. So if you do not own a vehicle, and rent a car while on vacation, are you protected?	Motorcycles may not inflict as much property damage as automobiles when involved in an accident, but bodily injury to the rider can be considerable. Motorcycle Insurance can provide important PIP and uninsured motorist bodily injury protection, in addition the standard comprehensive, collision and liability coverages offered in most auto policies.
Watercraft Insurance is for your personal watercraft – be it a jet ski, small ski boat, fishing boat, or a 26-foot cruiser. You’ll need to insure your watercraft in case you're in an accident or your watercraft is stolen. The coverage protects damage you cause to other boats, and to the people injured in them. It can also protect your boat and passengers from people who do not carry adequate insurance of their own.