How to Read Your Home and Auto Insurance Policy: A Simple Guide

Insurance policies can feel overwhelming, full of technical language and fine print. But knowing how to read your home and auto insurance policy is one of the best ways to make sure you have the right protection. At Kiesling Insurance Agency, we believe understanding your coverage should be simple.

This guide will walk you through the main parts of a home and auto policy so you can feel confident in what’s covered—and what isn’t.

Why It’s Important to Understand Your Insurance Policy

Too often, people only open their policy after something goes wrong. By learning how to read it now, you can:

  • Make sure your coverage limits are enough to protect you.
  • Avoid surprises when filing a claim.
  • Identify gaps and add optional coverage if needed.

Key Sections of Your Insurance Policy

  1. Declarations Page (Dec Page)

The declarations page is your coverage summary. Here’s what you’ll usually find:

  • Policyholder information (name, address, policy number)
  • Coverage dates (start and end)
  • Coverage types and amounts
  • Deductibles
  • Premium (your cost)

👉 Think of it as the snapshot of your policy.

  1. Definitions Section

Every policy has a glossary of terms. Words like “accident,” “dwelling,” or “replacement cost” may not mean what you think. Reviewing this section helps you understand exactly how your insurance company defines coverage.

  1. Coverage Details

This is where your policy spells out the protections included:

  • Auto Insurance Coverages: Liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist.
  • Home Insurance Coverages: Dwelling protection, personal property, liability coverage, additional living expenses, and coverage for other structures.

👉 Make sure these match your needs and lifestyle.

  1. Exclusions and Limitations

Exclusions show what’s not covered by insurance. Common examples include:

  • Flood or earthquake damage (often excluded from standard home policies).
  • Limits on valuables like jewelry, electronics, or collectibles.

👉 Knowing exclusions helps you decide if you need extra policies or endorsements.

  1. Conditions and Endorsements
  • Conditions: Rules for filing a claim, coverage requirements, or policyholder responsibilities.
  • Endorsements (Riders): Optional add-ons that customize your policy, like water backup coverage for homes or roadside assistance for cars.

👉 These extras ensure your insurance coverage is tailored to your situation.

  1. Contact Information

Don’t overlook this! Always know how to quickly reach your insurance agent or company to file a claim, ask questions, or adjust your policy.

Tips for Reading Your Policy More Easily

  • Start with the declarations page before diving into the fine print.
  • Use sticky notes or highlights to mark sections you don’t understand.
  • Call your insurance agent to explain confusing terms or exclusions.

Final Thoughts: Get Help Understanding Your Insurance

Your home and auto insurance policy doesn’t have to be intimidating. Once you know what each section means, you’ll have peace of mind knowing you’re properly protected.

At Kiesling Insurance Agency, we take the time to explain your coverage in plain English. Whether you’re reviewing a new policy or updating your current one, we’re here to help.

📞 Have questions about your insurance? Call Kiesling Insurance Agency at 469-447-5500 today—we’ll walk through your policy together.

September is Life Insurance Awareness Month: Protecting the People You Love

Life moves fast. Between work, kids, bills, and everything in between, it’s easy to put off conversations about the future. But if there’s one thing September’s Life Insurance Awareness Month teaches us, it’s this: the best time to protect the ones you love is always now.

Life insurance is often misunderstood. Some think it’s just about covering funeral costs, while others believe it’s too expensive or only necessary later in life. In reality, life insurance is so much more than that. It’s about love, responsibility, and peace of mind.

Imagine this—your family can continue living in the home you’ve built together. Your kids can still follow their dreams, whether that’s going to college or starting a business. Your spouse doesn’t have to struggle to make ends meet while grieving. That’s the kind of security life insurance provides.

Why Life Insurance Matters

The truth is, waiting doesn’t help. Life insurance is generally more affordable than people realize, especially if you start early. And even if you’ve put it off, it’s never too late to put protection in place.

A Month to Take Action

Life Insurance Awareness Month is more than just a calendar reminder—it’s a chance to pause and reflect on what matters most. For many, that means sitting down and having a conversation that may not always feel easy but is always worth it.

At Kiesling Insurance Agency, we’re here to walk you through your options with care and honesty. Whether you’re just starting a family, planning for retirement, or somewhere in between, we’ll help you find the coverage that fits your life and your budget.

Because at the end of the day, life insurance isn’t really about money—it’s about love. It’s about making sure your family is protected, no matter what tomorrow brings.

💙 This September, let’s make protecting your loved ones a priority. Your future self—and your family—will thank you.

Protect Your Toys: Why Insurance Isn’t Just for Cars and Home

When you think of insurance, your mind probably goes straight to cars, homes, or maybe health coverage. But what about your toys? We’re talking about the fun stuff—your boat, motorcycle, RV, ATV, jet ski, or even that classic car you’ve been restoring in the garage. These high-value recreational vehicles bring a lot of enjoyment, but they also come with risks that can cost you if you’re not properly insured.

Why You Need “Toy Insurance”

Your standard homeowners or auto policy may not fully cover these types of vehicles, especially when used off your property or on public roads or waterways. Specialized toy insurance ensures your investment is protected against:

What Types of Toys Can Be Insured?

If it moves, floats, or roars, there’s a good chance you can insure it. Here are a few examples:

What Coverage Options Are Available?

Policies can be customized depending on how and where you use your toys. Here are some of the typical coverages to consider:

Peace of Mind, All Year Long

Even if you only use your recreational vehicles seasonally, insurance is still essential. Damage or theft can happen at any time of year, and canceling your coverage in the off-season can leave you exposed to loss.

Ready to Protect Your Toys?

At the Kiesling Insurance Agency, we make it easy to find the right protection for your recreational vehicles. Whether it’s cruising on the lake or exploring off-road trails, you deserve to enjoy your toys with peace of mind.

📞 Call us today at 469-447-5500

📍 Proudly serving Little Elm, Aubrey, and surrounding North Texas communities.

Your Guide to Home Insurance in North and Central Texas

If you own a home in North or Central Texas, you already know the weather here doesn’t play around. One day it’s sunny skies, the next it’s hail the size of golf balls or winds strong enough to take down fences. Whether you’re in Dallas-Fort Worth, Waco, Austin, or one of the many towns in between, having the right home insurance is a must.

Here’s a straightforward guide to help you understand what you need—and what you might be missing.

Why Home Insurance Is So Important Around Here

Let’s be real—Texas weather is wild. In this part of the state, we deal with:

Even if you’ve never filed a claim, just one bad storm can do serious damage. That’s why insurance isn’t just nice to have—it’s essential.

What Your Policy Usually Covers

Most standard home insurance policies include:

What’s Not Included (But You Should Think About)

Here’s where people get caught off guard:

Add-Ons Worth Considering in North & Central Texas

Depending on where you live and your home’s setup, you might want to add:

What Does It Cost?

Insurance costs here can be higher than the national average—thanks mostly to hail and storm risks. But it really depends on things like:

Heads-up: Homes with newer or hail-resistant roofs usually get better rates. And bundling your home and auto insurance can help lower your premium.

Quick Tips Before You Buy or Renew

Final Thoughts

Home insurance might not be the most exciting part of owning a home in Texas—but it’s one of the most important. A little time spent reviewing your coverage now can save you from some serious stress (and costs) later.

If you’re not sure whether your policy is up to date or covers everything you need, give us a call at (469) 447-5500. We know what kind of risks are common in your area and can help you fill in the gaps.

Your Guide to Auto Insurance in Texas

Driving in Texas means having the right auto insurance to stay protected on the road. Whether you’re a new driver or thinking about switching policies, knowing the basics of Texas auto insurance can help you make the best choice.

Texas Auto Insurance Requirements

Texas law requires drivers to carry a minimum level of liability insurance, often called 30/60/25 coverage:

This covers damages or injuries you cause to others but doesn’t pay for your own car repairs or medical bills.

Types of Auto Insurance Coverage

To better protect yourself, consider additional coverage options:

  1. Collision Coverage – Covers damage to your car from an accident, regardless of fault.
  2. Comprehensive Coverage – Protects against theft, vandalism, and weather damage.
  3. Uninsured/Underinsured Motorist Coverage – Helps if you’re hit by someone with little or no insurance.
  4. Personal Injury Protection (PIP) – Pays for medical bills and lost wages after an accident.
  5. Medical Payments (MedPay) – Similar to PIP but with more limited coverage.
  6. Gap Insurance – Covers the difference if you owe more on your car loan than the car’s actual value.

What Affects Your Auto Insurance Rate?

Several factors impact your auto insurance costs, including:

Ways to Save on Auto Insurance in Texas

Looking for lower rates? Here are some tips:

Final Thoughts

Auto insurance in Texas isn’t just a legal requirement, it’s a smart way to protect yourself financially. Understanding coverage options and shopping around can help you find the best policy for your needs.

If you’re searching for affordable auto insurance, start by comparing quotes and checking for discounts. Safe driving and staying informed can help you get the best deal while keeping you protected on the road.

Have questions? Give us a call at (469) 447-5500.