Home Insurance

Home Insurance Professionals 

 Choosing a professional agent is an important consideration when purchasing home insurance. Insurance agents serve as an intermediary between the insurance company and the insured. Sprague & Killeen is an independent agent who works as an insurance agent for a variety of different insurers. We can produce policies from several insurers and offer some comparisons of different insurance policies for different businesses.

Home Insurance Policies 

Homeowners insurance is insurance that pays for damage to your home and other structures on your property. It also may pay for damage to or loss of the contents of your home, and for your liability for accidents that occur on your property or for damage to others’ property. You might ask, “How Much Homeowners Insurance do I Need?” The higher your coverage, the less you will have to pay out of your own pocket to replace property that is destroyed or stolen. You also need enough liability coverage to protect yourself from lawsuits if someone is injured while on your property.
Your Sprague & Killeen agent will be able to accurately predict how much coverage you need and you can always contact multiple agents to get an average of what the best amount of coverage would be for your home.

Here are some ways we can help you save on your Home Insurance:

1. Car/Home Discount: Insuring your car and home with the same company often will give you a package discount. This is a good tool to use when shopping around. Usually agents can tell you what percent the discount is for insuring your car and home together.
2. Deductible: Raising your deductible can lead to substantial savings. Furthermore, it is best to have a large deductible to prevent you from using your insurance for small claims since many insurance companies are now adding a surcharge to as little as one claim, and surcharges can range anywhere from 10-85% depending on how many claims you file during a given time period.
3. Home Security Systems: Special burglar alarms can prevent losses and therefore make your house less of an insurance risk. Most any type of security system will help give you a discount, but the type that directly responds to local police and fire departments are most likely going to give you the most discount.
4. Dead Bolt Locks: Our agents will ask you this, but check again to make sure you are not losing a discount if you already have them. If you don’t, it is well worth it. Dead bolt locks are very inexpensive compared to the possible insurance savings, but make sure all of your doors have them because usually the discount only applies if there are dead bolt locks on every door.