Committed to a brighter future for children, neighbors and communities.

We consider a healthy neighborhood to be one that is safe, clean, and diverse; one in which it makes economic sense for people to invest and one where neighbors manage change successfully.

We consider a healthy neighborhood to be one that is safe, clean, and diverse; one in which it makes economic sense for people to invest and one where neighbors manage change successfully.

Protecting Your Investment

The weather the last several weeks in Central Texas has been touch and go. We’ve had record amounts of rain, high winds, tornadoes, fires and hail. All which have caused major damages to property and homes. Having Insurance does not stop the weather from destroying your property, but it can reduce the financial impact of a covered loss. 

What is homeowners’ insurance? 

Homeowners’ insurance is insurance that covers damage to your home, property, personal belongings, and other assets in your home. It may also cover living expenses above your normal cost of living if a covered loss forces you to stay elsewhere while your home is being repaired or rebuilt. Additionally, your policy may also provide coverage for accidents or injuries that occur in your home or on your property. Homeowners’’ insurance also covers injuries you may unintentionally cause to others away from your property for which you may be liable. 

How does homeowners’ insurance work? 

Homeowners’ insurance coverage may provide you with protection if the unexpected happens to your home or property. Your home insurance company provides you with coverage for your home, belongings, and the other structures on your property. If a sudden and accidental loss occurs, you can file a claim with your insurance company. You will potentially receive payment for covered losses, minus any home insurance deductible, up to your policy’s coverage limit. 

Is homeowners’ insurance required? 

Unlike car insurance, home insurance isn’t mandated by law. However, if you are financing your home, mortgage lenders have a vested interest in it. They will typically require you to have a homeowners’ insurance policy in place. Even if you paid off your mortgage, your home is arguably one of your most valuable assets and you will want to protect it. Because homeowners’ insurance not only protects your home and property but may also cover you if someone sues you for accidental injuries, you should consider it a must-have. 

What are the different homeowners’ insurance coverages? 

Homeowners’ insurance typically covers your dwelling, other structures on your property, personal property, personal liability, medical payments to others, and loss of use costs. Payment for damages depends on if a covered peril caused the loss and the homeowners’ insurance coverage limits on your policy. 

So, remember, homeowners’ insurance coverage pays to repair or replace damaged property, including your belongings and the structure of your house. 

Home insurance generally covers damage due to fire, wind or snow, but it won’t cover floods or earthquakes. It also covers your liability if you hurt someone else or damage their property. 

Do annual insurance policy “check-ups” to keep up with local building and home remodeling costs as well as conduct inventories of personal belongings. Make sure that you have updated your insurance to rebuild or repair your home for what it would cost in the current building market. Accurate inventories of personal possessions make for faster and smoother claim settlements. Photos and videos offer easy ways to document your belongings.

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Grassroots Community Development
Grassroots Community Development2 weeks ago
New Blog Post || Protecting Your Investment

“The weather the last several weeks in Central Texas has been touch and go. We’ve had record amounts of rain, high winds, tornadoes, fires and hail. All which have caused major damages to property and homes. Having Insurance does not stop the weather from destroying your property, but it can reduce the financial impact of a covered loss.”

Find the rest of our latest blog post by following the link below!

Https://grassrootswaco.org/blog/protecting-your-investment
Grassroots Community Development
Grassroots Community Development4 weeks ago
Hello! My name is Lee Scheffe, I am thrilled to join Grassroots as the East Waco Community Organizer! I was born and raised in Austin, Texas. I moved to Waco in 2020 to attend Baylor for my undergraduate degree in economics and political science, which I earned in May 2024. While a student at Baylor, I was blessed to work with a number of community organizations and leaders in Waco's social sector. I served as a grant writer for a local nonprofit, completed an internship at the Community Development department at the City, and spent time volunteering at a number of local charities. These experiences introduced me to the wonderful, powerful, and loving community of Waco. Growing up in Austin, I witnessed firsthand the effects of fast-moving municipal growth. I saw that, sometimes, behind the image of economic vitality, displacement, disenfranchisement, and injustice occurred. I was blessed to be surrounded by a faith community and local organizers who understood the power of listening to local voices and empowering community members to enact the change they wanted to see in their city. These experiences instilled in me a love for community-based change and the value of active and patient listening.

I've long held a deep interest in housing. During the summer before my final undergraduate year, I studied vacant housing in Waco and presented my findings to local community leaders. The following semester, I studied the effects of the expansion of short-term rental properties on Waco's housing market. Through these encounters, I began to explore the intersection between attainable housing options and community flourishing. Most significantly, I learned that working alongside community members and connecting local resources results in loving, charitable, and thriving neighborhoods.

I'm delighted to serve the wonderful community of East Waco and support the powerful stories of its community members. I look forward to being present and supporting East Waco's community members in their work.
Grassroots Community Development
Grassroots Community Development1 month ago
Happening this week! With topics, such as "Vehicle Safety 101," "Cyber Security Awareness," and "Domestic Violence," this event will be hard to miss.
Grassroots Community Development
Grassroots Community Development1 month ago
New Blog Post 🎉

"Waco is truly blessed to have partnerships around the state that are willing to serve those in need and seek out opportunities to make a difference in the lives of others. If you see groups of young people around Waco from June 19th-21st feel free to stop and say thank you for their generous service to the residents of Waco."

Read more about this program in our latest blog post!

https://grassrootswaco.org/blog/exterior-home-repair/
Grassroots Community Development
Grassroots Community Development1 month ago
UPDATE 🎉

We are getting even closer to starting on the actual construction of Renaissance at Sanger Heights. The City’s construction crew is making really good progress on their utility and street project. We are very thankful for all of their efforts.

Our plan is to start September 2024 with houses going up the Summer of 2025.

But before we start, we want to say thanks to three different groups that have been extremely important to this project; The City of Waco, Walker Partners and RBDR Architects.

First, the City of Waco, whose foresight in acquiring the site and dedication to community desires laid the foundation. This was the heavy lifting for the project. The effort to acquire the property and develop a plan for development has been very long process. But thanks to many different people at the City we are finally here today.

Second, Walker Partners, led by Jed Walker, invested countless hours and expertise in shaping this endeavor. When you want to build a house, you have to have a strong foundation, water and sewer connections. We reached out to the best engineering group in Waco to help us lay the ground work for building this procket neighborhood. We're grateful for their dedication and the contributions of a countless surveying and engineering hours.

Lastly, RBDR, led by Bernadette Hookham, lent their creative genius to visualize our plans, and the site plan , translating our ideas into tangible designs. All of these colorful pictures that you have seen for Renaissance were designed by the RBDR team. We thank them and their team for their invaluable contributions.

Stay tuned as we begin to change the site and bring a new homeownership concept to Waco.

#grassrootswaco #celebratingcommunity #wacotx #homeownership #homeownershipgoals #wacodevelopment #thrivingneighborhoods