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All About Home Insurance: An Interview with Aziz J. Showery of Showery Insurance

By Aziz Showery

Tell us a little bit about your company and its foundation.

Aziz Showery Agency opened its doors in 1995 serving Texas residents with Farmers Insurance coverage for personal, commercial, and Life insurance needs. I am securities licensed and also assist our clients with retirement and rollover plans. I am an Elite Commercial Agent for Farmers Insurance and have helped our community with the best coverage and premiums that will prepare them for any loss. For over 20 years my agency has been rated with five stars.

What does a home insurance provide a homeowner?

Home insurance provides protection to your home from fire, windstorms, hail, lighting, theft or vandalism. With additional endorsements you can add flood and earthquake coverage. Home insurance is to provide the customer with the replacement cost of their home in case a total loss. Some customers choose the actual cash value or market value of their home to reduce premium price. To be safe having your home insurance coverage at replacement cost and making your agent aware of any additional updates to your home annually will grantee full replacement.

What are the basic steps that a homeowner must do to avail of a home insurance policy?

Getting the basics, name of owner or policy holder, date of birth, phone number, of course address and the age of the roof. We also recommend letting us know if they have any specific additions in their home such as marble, wood floors, pool, etc. It's optional to include your personal contents in the home, but recommended. If your contents are covered under the policy and they are damaged or stolen outside of your home they will be covered.

You may also add an endorsement for your jewelry as a floaters policy, meaning you can be on vacation and your jewelry is stolen or lost as long as we have proof of the value of the jewelry it will be replaced. Also that is included in your home insurance is personal liability that is if someone gets hurt while visiting your house it will protect those costs as well if there is a law suit filed. Guest medical is included as well just paying for any medical treatment needed after a guest is injured at your home. Both personal liability and guest medical have adjustable coverage either adding more protection or less.

What preparations need to be done prior to shopping for an insurance provider?

Getting information about the insurance company and the customer satisfaction is the best way to correctly shop around. You should never shop for insurance based on the price you're paying. Some insurance companies give you quotes with very little coverage with a low price to keep you satisfied. But what happens when an accident occurs you will think you had everything covered but then end up paying for the loss out of pocket. Sometimes companies will give you more coverage than what you need and you could be losing money. Making sure your home or any insurance policy has the correct coverage you need is going to be the right way to shop. Have your agents review your policies with you explaining the coverage so you can together decide what will be the correct amount of coverage for you.

What factors influence the rate on a home insurance policy?

The address, the territory if it is inside or outside city limits, the type of construction, age of home, client information, and claim history.

What are some common claim issues that every homeowner should be aware of?

Water damage caused by broken pipes, or water heaters bursting; rain damage caused by wind driven rain. Deductibles, receipts to show proof of ownership of personal property inside a home in case of theft or damage caused by a fire.

What is the best way for people to get in contact with you or your company?

Check out our website: www.showeryins.com

  • Aziz J Showery Agency: Ajs@showeryins.com
  • Nora Trevino Licensed CSR: Nora@showeryins.com
  • Leila Showery Licensed CSR: Leila@showeryins.com
  • Aziz Joseph Showery: Licensed Producer
  • 956-668-0212
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About The Author

Aziz J. Showery is a Farmers Elite Agent and owner of Showery Insurance.

Phone: 956-668-0212

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