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Protecting Your Home in Midland, TX
Your home is more than just a building; it's your sanctuary and your biggest investment. At A&S Elite Insurance, we provide comprehensive home insurance policies that safeguard your property, your belongings, and your family from the unexpected.
Your Complete Guide to Property Insurance in Midland
For homeowners and renters in West Texas, having the right property insurance is essential. From unpredictable weather to liability risks, a solid policy provides the peace of mind that you're protected against financial disaster. As your dedicated insurance agency in Midland, TX, we simplify the process, helping you find the perfect coverage from top-rated carriers.
Our Home Insurance Services
We offer tailored solutions for every type of dwelling. Whether you own a house, rent an apartment, or have a manufactured home, we have a policy for you.
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Homeowners Insurance Midland, TX
This is the most comprehensive protection for your home. A standard homeowners insurance policy provides a package of coverages to protect your investment inside and out. We'll customize a policy that includes:
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• Dwelling Coverage: Protects the physical structure of your house against damage.
• Personal Property Coverage: Covers your belongings, like furniture and electronics, from theft or damage.
• Liability Protection: Shields you from lawsuits if someone is injured on your property.
• Additional Living Expenses: Pays for temporary housing and other costs if your home becomes uninhabitable after a covered loss.
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Renters Insurance Midland TX
If you rent, your landlord's insurance does not cover you or your belongings. Our affordable renters insurance policies provide the critical protection you need. This coverage safeguards your personal property from events like fire or theft and includes liability protection if you are found responsible for injuries or property damage.
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Manufactured Homes Insurance Midland TX
A manufactured home requires a specialized insurance policy. We understand the unique construction and risks associated with these homes and offer dedicated manufactured home insurance in Midland, TX. This policy is specifically designed to cover the structure, your personal property, and your liability needs.
Is Your Property Adequately Protected?
Don't wait for a disaster to discover you have gaps in your coverage. An outdated policy might not reflect your home's current value or your possessions. We offer a free, no-obligation policy review to ensure you're fully protected. We will:
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1. Assess your current dwelling and personal property limits.
2. Review your liability coverage to ensure it protects your assets.
3. Search for new discounts to help you save money.
Why Choose A&S Elite for Your Home Insurance?
In a world of automated quotes, personal guidance matters more than ever. Our agency provides a better experience.
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• Expert Advice: Founders Angelita Jaquez and Sandra Salazar are committed to serving their community. They provide the one-on-one advice you need to make confident decisions.
• Unmatched Choice: As an independent agency, we do the shopping for you across multiple A-rated insurance carriers to find the ideal policy for your needs and budget.
• Clear Communication: We cut through the jargon and explain your policy in simple, straightforward terms so you know exactly what you're getting.
Some Things to Consider When Choosing Your Home Insurance
Replacement Cost vs. Actual Cash Value
It's vital to know the difference. Replacement Cost pays to rebuild your home and replace items with new ones. Actual Cash Value pays for the depreciated value. We almost always recommend replacement cost to ensure you can fully recover after a loss.
The Importance of Personal Liability
Liability coverage is one of the most important parts of your policy. A slip-and-fall accident on your property could lead to a major lawsuit. We'll help you select a liability limit that fully protects your savings and future earnings.
Bundle Your Policies to Save More
​One of the easiest ways to save is by bundling your home and auto insurance with the same carrier. As your independent agent, we can find the company that offers the best protection and the biggest discount for your policy bundle.