Take a look below at some of the insurance services we provide. Click Here to view some of the carriers we represent. Then let one of our agents discuss your needs and help you find the best option for you and your family. You can also request a quote using our online quote forms.
We have access to multiple A Rated, Admitted carriers to find you the best coverage for the best price. Please complete our quote questionnaire and we'll have a response to you within 1 day. If you need a quote now and it is during our hours of operation, please call us at 281-356-1506.
Understanding Replacement Cost Calculations The purpose of insuring our customer's homes to value is to make certain customers have adequate coverage. This way, in the unfortunate event of a loss, customers have sufficient coverage to rebuild their home to pre-loss condition. It also helps assist in quicker, easier claim settlement. So how do we calculate this replacement cost? The calculation method that we use to determine replacement of a home is based on Reconstruction costs, not Market Value or the cost of New Construction. The Reconstruction cost of a home is the cost to rebuild today with similar materials and craftsmanship, used during its original construction. Building experts say that reconstruction can cost up to 30% more to rebuild a house than to build it new.* Builders hired for reconstruction require a higher skill set since they are required to work around existing structures, landscaping and power lines. They also need to be able to match up new materials to existing materials. We use reconstruction cost because it most closely approximates the cost to rebuild their home to pre-loss condition. Give us a call at 281-356-1506 and one of our Insurance Specialists will walk you through the Replacment Cost Process for your home.