LUFKIN, TX (KTRE) - The only thing predictable about Texas weather is that it is unpredictable. Year-round, houses are battererd by mother nature. "There are lots of hail storm exposures and then of course the hurricane activity that we all experienced over the last three years," said Chad Morgan, State Farm Agent in Lufkin.
Which means your wallet bites the bullet when it comes to protecting your home. On a national level, Texas homeowners pay nearly double the national average for insurance. Morgan blames the higher homeowners insurance rates in Texas on the wide range of weather conditions we have here. "We have hail losses in Texas that you don't really ever hear about. And some of the biggest insured losses are in the country historically are hail storms," said Morgan
He said it is especially important that East Texans' insurance policy cover 'falling objects'. A fallen tree can cause some serious damage to your home and your pocket-book.
In uncertain times, shopping for the best rate is important. Morgan says beware of deals to good to be true. He said a good source to compares insurance rates and understand exactly what you're purchasing is the Office of Public Insurance Counsel website.
"Especially on the homeowner side, it's very important that you know exactly what you're getting because some policies don't cover certain losses," said Morgan.
At the brinnk of hurricane season and summer rains, Morgan said foregoing insurance now could cost you big in the long run. "I'd say at least half of the claims are water losses," said Morgan.