Canyon Creek Life - Issue 61

Page 1


Letter from the EDITOR

Publisher Kyla Obert

Editor Patti Otte

Ad Sales Mike Obert

Designer

Open Look Business Solutions

Cover Photo

Luis Martinez Photography

Contributors

We’ve almost reached the end of 2024! By now, your holiday season is likely in full swing with parades, church services, shopping, family and friend gatherings, and so much more excitement. I feel so grateful for the neighbors who help our CCHOA beauti cation director Gabe Meadows hang wreaths and decorate stop signs throughout the neighborhood, adding a festive, fun air. And I can’t wait to drive around and see all the decorations on people’s homes. ere’s nothing better than cocoa and holiday lights.

2024 seems like a year we’ll always remember. From a consequential election cycle to ever-changing world news to the roller coaster which college football has been this year, it’s hard to keep up! But here in Canyon Creek, despite our di erences, we always seem to come together and watch out for each other in times of need. Two families experienced home res and neighbors came out in force to support them, while you also continue to give generously to Network and to the North Texas Food Bank, whose Chief External A airs O cer is longtime Canyon Creek resident Erica Yaeger.

On the local front, our Canyon Creek HOA has been busy this year, adopting updated bylaws and electing the 2025 Board of Directors. Check out the Canyon Creek Chronicles for more information about the annual meeting, the winners of the Yard of the Fourth Quarter and other news. Meet Mary and Robb Barker, our spotlights for Family of the Month, along with Te y the calico cat and Ebbie Brank, an accomplished young dancer who loves living in Canyon Creek.

If you’re tempted to shop online and let Amazon do the heavy lifting for you, please remember that we have so many wonderful places to shop local this holiday season. And every dollar you spend at II Creeks and other local businesses stays in Richardson. As a previous small business owner, I can speak rsthand about the blessing residents who shop, dine and invest in neighborhood businesses are. Imagine what Canyon Creek would be like without our local businesses. You’ll nd something for everyone you’re shopping for right here in the neighborhood!

Merry Christmakwanzukkah! And Happy New Year!

Wilson Allen, Lisa Parelli-Monaghan, Angela Green, Ryan Amerson, Jeremy Thomason and Patti Otte

Special Thanks Mary and Robb Barker, The Brank family and Susannah Gullette

For Advertising Questions, please email mobert@hylogroup.com

For Editoral Requests, please email nominations@hylogroup.com

HyperLocal Media

224 W Campbell Rd, STE 428 Richardson, TX 75080

Managing Partners Mike and Kyla Obert

As the year comes to a close, we often focus on nishing projects, tidying up our spaces, or purging a few items from the garage. is mindset sometimes spills over into our nances as we try to achieve a few last-minute goals to feel accomplished before the year ends. One goal that frequently comes to mind is minimizing taxes. So, what are some simple steps we can consider taking?

1. Backdoor Roth IRA – is strategy allows you to contribute to a tax-free retirement account, even if your income typically excludes you from doing so. Roth IRAs are especially bene cial for those who hold the account for at least ve years and are over 59 ½, as all growth is tax-free. e term "Backdoor" refers to starting with a non-deductible IRA and then converting it into a Roth IRA. Be sure to consult your tax advisor to con rm your eligibility, as there are some caveats.

2. Charitable Contributions – With the standard deduction higher than ever, making deductible charitable contributions can be more challenging. Many people consider using Donor-

Advised Funds (DAFs) to make a lumpsum charitable gift in a year when they want to o set taxable income. ese accounts allow you to contribute to a general charitable fund and later decide which organizations to distribute the funds to.

3. 401(k) Contributions Up to the Maximum – If you haven’t maxed out your 401(k) contributions for the year, you may consider doing so, as you still have the opportunity to make one nal contribution before year-end by adjusting your last payroll.

4. If You Own a Business – If you're a business owner, consult with your CPA or tax advisor to explore any last-minute tax-saving strategies before the year

ends. Ideally, plan to meet with them in September or October for the best chance to implement tax-saving ideas.

By taking advantage of these strategies before year-end, you may be able to set yourself up for a more nancially e cient and con dent year ahead.

Holly Carroccio is a registered representative of and o ers securities and investment advisory services through MML Investors Services, LLC. Member SIPC. www.sipc.org Nexus Advisors, LLC is not a subsidiary or a liate of MML Investors Services, LLC, or its a liated companies. OSJ address: 14241 Dallas Parkway, Suite 1200, Dallas, TX 75254; 972.348.6300. CRN202612-7650360

Neither MML Investors Services, LLC nor any of its subsidiaries, employees or representatives are authorized to give legal or tax advice. Consult your own personal attorney legal or tax counsel for advice on speci c legal and tax matters.

Nexus Advisors connects your life’s work with your family’s future. We aim to serve as both your sounding board and your guide, listening to what matters most and clarifying the complex. Our team thoughtfully develops integrated financial plans that are designed to provide confidence and security, now and for generations to come.

114241 Dallas Parkway, Suite 1200 Dallas, TX 75254

nexusadvisorsllc.com (972)348.6305

info@nexusadvisorsllc.com

The BARKERS of Crooked Creek Drive

In the mid-1990’s, Robb Barker asked girlfriend Mary Jenkins to hike a serious mountain with him in Taos, New Mexico. At the top of the mountain, he asked her to marry him. She said a joyful yes, followed by, according to Mary, “a terrifying ski trip down a very steep bowl afterwards.” e couple married in Dallas and then celebrated by hosting a “casual dress required” poolside party at e Village Country Club with a 12-piece Reggae band, hula hoops and limbo sticks. at celebration set the tone for this fun-loving couple’s lives.

Since Robb had grown up in Canyon Creek, he and Mary decided to settle here and found their dream home on Crooked

Creek Drive, where they still reside today. e Barkers are parents to Madelyn (27) and Jack (24), 10-year-old rescue dog Ellis who, according to the Barkers, knows who needs him most at all times, and grandcat Golly. Both Matty and Jack attended Aldridge Elementary (where Robb attended 6th grade).

The Family

While the Barkers know how to have a great time, they’ve also accomplished much on a professional front. Mary has spent 40+ years in senior human resources and operations leadership roles, including time at Starbucks Co ee Company, Fossil, Gadzooks, Neiman Marcus, Rave Restaurant Group, BCBS and

more. But, states Mary, “No matter what, in Canyon Creek, I’ll always be considered the Starbucks girl based on all the years of bringing the brand to neighborhood and local organizational events!” She now provides fractional HR consulting services and career coaching and she shares her love of fashion by working part-time at neighborhood favorite Get Noticed Boutique.

Robb’s CPA rm specializes in business consulting, outsourced accounting, payroll and bookkeeping, covering all types of federal and state taxes. His client base includes local, regional, national and international clients from a variety of industries. He also does work preparing and selling businesses.

Mardi Gras 2020 at Oak Highlands Brewery

Daughter Matty was a 4-time world medalist with her D.I. (Destination Imagination) team from Aldridge and is well-known in Canyon Creek for her accomplishments as a 4th Degree Black Belt, teacher and program leader at Sun Lee Taekwondo. In February 2024, Matty married her Taekwondo friend

of 20+ years Bobby Neal-Clark. Matty is currently a senior copywriter for Moroch Partners in Dallas.

Son Jack graduated from the University of Arkansas with a degree in business. As a child, he, too, attended Sun Lee Taekwondo and achieved his 2nd Degree Black Belt and was an assistant teacher. States Mary, “Trust me. We feel like we have our own personal bodyguards!” Jack’s true love is basketball and he can often be found on the court at Richardson Life Fitness or at a local outdoor court. For the past two years,

The extended family (l to r): Jack and girlfriend McKenna Rawls, newlyweds Matty and Bobby, and Mary and Robb; Ellis in foreground
Photo Credit: Jennifer Rich Day of Sweet Leaf Photography Austin TX

Jack has worked for Optomi as a recruiter for software engineers.

A Musical Evolution

Music has been at the center of the Barkers’ lives since the early 2000’s. “Robb has a giant passion for music and has contributed in so many large ways to give the gift of music and involvement in music to our community and neighbors,” states Mary. e journey began with the Aldridge Dads' Den, where dads bonded while preparing and then performing holiday songs for the kids at school, including their own version of “ e Twelve Days of Christmas” with Mom out of town and Dad in charge of the kids! Robb assisted many years after the kids left Aldridge to ensure this program endured.

en, in 2007, e Grateful Dads were formed and began singing on 4th of July parade oats and at CCCC. After that, the Crooked Creek Dirt Band formed and added Mary playing tambourine and singing backup vocals. She considers the gigs date nights with Robb! Over the years, new neighborhood bands have been formed by Grateful Dad members. Robb also formed the blues-focused MR CJs Band with Canyon Creek neighbors. e current name still stands with some variation in band members and genre ranges…from a 4-5-person rock and blues group to a 10-person, horn-focused band playing New Orleans funk.

Spreading Joy

When the world shut down in 2020 during Covid, the Barkers decided to have band concerts on their front porch to help neighbors get out of the house and safely relax and communicate. e porch concerts led to a partnership with Shady’s to set up outdoor concerts at II Creeks and the group Four Empty Spaces was born. Robb coordinated 20+ weeks of concerts that involved many neighborhood musicians, provided neighbors with a safe outlet, and o ered II Creeks tenants increased business during this di cult time.

e Barkers’ neighborhood legacy also includes Creekfest, a giant street party for residents and their friends typically held the rst weekend in June. is annual shindig has been held the last 12+ year with live music, a Shady’s burger truck, Dr. Mike Kilgard dissections, bounce houses and amazing involvement from neighbors. Prior to Creekfest, Robb and Mary hosted Crabfest (Robb was born in Maryland) at their house, but it outgrew the patio, driveway, and front yard and ultimately became the party it is today!

e Barkers are an integral part of Canyon Creek. inking back over the years, Mary and Robb feel blessed by the many friendships that began on Crooked Creek and as Aldridge parents. States Mary, “Canyon Creek is truly a special ‘place of

belonging’ where we always feel at home and care about our neighbors like family. Embrace the planned and unplanned organic opportunities that arise to connect with others and to show kindness in our neighborhood.” e Barkers have certainly “shown the love” for Canyon Creek.

For more information about Robb’s band, visit http://facebook.com/mistercjs/events.

Mary and Robb singing together at Creekfest
Robb jamming at Guitars & Growlers Richardson's Mardi Gras 2021

Student of the Month

Tell us your child’s name, what school she currently attends, and what year she is in school. Our daughter Ebbie is in 2nd grade at Prince of Peace Christian School.

Tell us about Ebbie…what are her hobbies and interests? How does she spend her time when she’s not in school?

Ebbie loves to dance... all day, every day. She is currently on dance Company at Centre for Dance, where she spends 10+ hours a week taking classes that range from ballet to jazz and tap and hip hop. She also just performed in her very rst Nutcracker. When she isn’t at the studio, she can be found choreographing her own dances or practicing her latest acro skills. She also loves to read (especially to her little brother) and listen to Taylor Swift.

Can you share with our readers what life is like in the Brank household… family members, pets, ways you love to spend your time together.

e Brank household is crazy busy and crazy fun. Ebbie has an older brother Charlie who plays hockey and a younger brother Eli who, at three, is still just along for the ride… but not for long. We have two doodles, Winston & Bruno (shhh we don’t talk about Bruno), a pet turtle named Chelsea and a ock of chickens. When we aren’t at the

dance studio or ice rink, our family loves to play a round of golf at the Club, take the dogs to the park, or just spend time outdoors.

What is Ebbie’s favorite subject in school?

Ebbie loves math—and is rather good at it. She also loves art, music and going to the library.

How long have y’all lived in Canyon Creek?

We moved to Canyon Creek in 2010 as newlyweds – and now, almost 15 years later with three kids, we couldn’t imagine living anywhere else.

What do y’all love most about living in Canyon Creek? Do you have a fun or awesome story of living in the neighborhood that you can share with us?

We love the sense of community—it’s almost like living in a bygone era. With kids safe to roam the neighborhood or play in the creek and neighbors who you call friends, Canyon Creek creates an amazing sense of belonging.

Photo credit: Ashley Sanderson Photography

Signs Your Home Plumbing System May Be Failing Signs Your Plumbing Be

As our homes age, keeping an eye on your home plumbing system can help prevent costly repairs and water damage. Most older homes have cast iron pipes as well, which fail over years of use. Also, due to the area’s hot summers and occasional winter freezes, as homes age, plumbing issues are common here. Recognizing early warning signs can save time and money. Here are several indicators that your plumbing system may be failing.

1

Low Water Pressure

Low water pressure in Richardson homes can signal an issue within the pipes or xtures. Sometimes, it’s due to mineral buildup from the area’s hard water, which can restrict ow and damage pipes. In other cases, it may indicate a leak or blockage. Persistent low water pressure should be checked promptly, as it can worsen and may be linked to larger plumbing problems.

2

Slow Draining Sinks and Showers

If your sinks, tubs, or showers are slow to drain, it could mean a clog is forming. Common in Richardson, where local soil shifts due to weather changes, tree roots can invade pipes, causing blockages. Additionally, debris like hair, grease, or food particles can cause clogs in your home’s drains. If multiple drains are a ected, this might signal a blockage in the main sewer line.

3

Unusual Noises in Pipes

Gurgling, rattling, or hissing sounds coming from your pipes can be a sign of air trapped in the plumbing, often caused by a blockage or pressure imbalance. Richardson’s clay-rich soil can also

lead to shifting foundations, which might cause pipes to misalign or crack, leading to strange sounds.

4Water Discoloration

If your tap water appears brown, yellow, or cloudy, this could indicate rust or sediment in your pipes, particularly in older Richardson homes. Discolored water often suggests that pipes are corroding, which can lead to leaks and even pipe bursts if not addressed. Rust can also a ect water quality, potentially posing health risks.

5Frequent Leaks

Leaks in pipes, faucets, or xtures that keep returning despite repairs can indicate that your plumbing system is aging or damaged. Due to our hot and shifting climate, small leaks may be due to thermal expansion and contraction of the pipes. Regularly check around sinks, toilets, and under cabinets for signs of water damage or mold, as leaks can be hidden but still cause signi cant harm.

6

Higher Water Bills

An unexpected increase in your water bill could mean a hidden leak or ine cient plumbing. If your water usage hasn’t changed, but your bill has spiked, contact a plumber to inspect for issues.

Recognizing these signs of plumbing failure early can prevent costly repairs and water damage. Regular maintenance and prompt attention to warning signs are essential to keep your plumbing systems functioning properly.

Neighborhood Network Services 2023 - 2024 Directory

ACCOUNTING / CPA

Ronald J. Poff PC - Brian A. Poff, CPA

833 East Arapaho, Ste. 220, Richardson, TX 75081

brian@poffcpafirm.com

ADVERTISING, PRINTING & SHIPPING

The UPS Store Canyon Creek – The Casaday Family

224 W. Campbell Rd., Richardson, TX 75080

Luxe Air – Sami Sharif

972.690.6023 Full-Service Printing, Notary, Shredding, Packing & Shipping

AIR CONDITIONING AND HEATING

HVAC Repairs • Maintenance • Installation • Residential/Commercial

ATTORNEY

Scheef & Stone, L.L.P. - Chris S. Quillin

469.677.6678 Fax 972.680.1166

214.364.7885 sami@luxeairtexas.com

214.706.4221 chris.quillin@solidcounsel.com Full Service Law Firm

AUTO REPAIR

Northrich Automotive - Rochelle Gotsdiner

All Makes - All Models • Routine Maintenance, Service & Repair

Texas Bank & Trust – Kirk Baur

972.669.9990 rochelle@northrichauto.com

972.470.1538 kbaur@texasbankandtrust.com 401 W. George Bush Frwy., Ste. 101, Richardson, TX 75080

BUSINESS CONSULTING

RWB Consulting CFO

Roger W. Burns Consultant • Interim CFO and “as needed” CFO services

214.724.7507 roger@rwbconsultingCFO.com

CUSTOM JEWELRY

MFG

Premier Diamonds, Inc.

1011 Hampshire Ln., Ste. 100, Richardson, TX 75080 – Andy Feist

DENTIST

Watson Family Dentistry

Dr. Mat Watson & Dr. Andre Carvalho 291 W Renner Pkwy., Suite 101, Richardson, TX 75080

DESIGN SERVICES

By Appointment 972.994.9292 afeist@premierdiamonds.net

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Window Coverings • Bedding • Pillows • Upholstery FINANCIAL SERVICES

Wells Fargo Advisors

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POOLS

Hobert Pools

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vfimbres@hobertpools.com Victor Fimbres New Construction • Remodel of Swimming Pools

469.252.0241

Shelley Turner, Financial Advisor

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Best Places to Shop Local this Holiday Season

Best place to pick up stocking stuffers

Best place to get a hostess gift

Beyond The Door

Best place to get donuts

Best place to order cookies and cakes

Best place to get holiday attire

Best place to share the love of fitness

Best place to pamper yourself

ISSUES OF CELEBRATING

Pet of the Month

Tell us the name of your pet. What type of pet is he/she?

Out pet is Te y, a calico cat.

How did Te y become a member of your family?

I, Susannah, adopted her in January 2016. When I met Will, my now-husband, Te y was initially hesitant about him. One of the rst times he came over, it was just after Covid lockdowns and I had been alone with Te y for more than three weeks straight. She saw him sitting on the couch and came across the room to swat his leg – she was very brave (or jealous) in defending me. But when we got married in May 2021, while she growled at him on our wedding day, she slowly started to warm up to him. Now they are best friends and she’ll sit on his legs in the evening.

Tell us more about Te y’s personality. What makes her unique?

Te y has a lot of quirks and talents. She can sit, shake and lie down, but she is not like a dog that you can trick into doing a trick without a treat. She knows when there is a treat and when there is not. ere isn’t a

new box that comes into the house that she doesn’t sit on. She’s desperately curious and nosy. She does not like to be left out but also doesn’t like to be forced to be a part of something.

She likes to be in the midst of us when we have company but does not want the company to pet her unless she can spot a cat person. But the weirdest thing about Te y is that she is an art lover. We will nd her facing the wall with a painting on it and she’s just observing it. She will stay there for 20-30 minutes, too.

Does Te y have a “favorite” family member? If so, how does he or she express that preference?

Yes, I (Susannah) am, thanks to the ve years when it was just the two of us.

What is your favorite story/memory about Te y?

One of my favorite memories was formed when we brought our daughter, Lucy, home from the hospital. She was in the bassinet and Te y was peering inside to catch a glimpse of this new baby girl. Te y can be slow to warm

up to new friends, but she has been sweet to Lucy since day one and lets Lucy pet her or give her toys while she does not provide the same courtesy to all kids.

Tell us about your family (your names, schools your kids attend, etc.). How long have y’all lived in Canyon Creek?

We are Will and Susannah Gullette, twoyear-old daughter Lucy, and Te y. We moved to Canyon Creek soon after we got married in September 2021. Lucy attends Canyon Creek Daycare, which we love so much!

What do you love most about living in Canyon Creek? Do you have a fun or awesome story of living in the neighborhood that you can share with us?

We absolutely love this neighborhood and talk about that often. We love the trees, how each house is unique, how big it is to walk and explore new places, how beautiful it is to walk around and with the creeks throughout it! I grew up with an annual July 4th neighborhood parade, so I love how the neighborhood does that here, too! I also love how people are always out and about and getting to meet the people that live here.

Wendy is also a par t of a team ranked in the top 5% of all real estate teams in the state of Texas. So when you're working with Wendy you also get the advantage of utilizing a top team This means constant communication and increased knowledge

The Canyon Creek Chronicles Echoes From The Canyon

As we get ready to turn the page on the calendar year, it’s worth re ecting back a bit on 2024 with a hopeful and optimistic eye toward 2025. For those of you who attended the CCHOA annual meeting on November 19, you heard a lot of this information already. I will do my best to recap. Business items that we needed to accomplish included an update of our bylaws to better align with our current procedures. I wouldn’t consider anything in the update to be more than good housekeeping. For the meeting itself, the more substantive updates centered around three items:

1. UTD Engagement. We have always had a good relationship with UTD, but we think it can become much more impactful. To that end, we have created a permanent board of directors seat and I am happy to say that CC resident Scott Robbins will serve as our rst director of UTD engagement. We are looking forward to Scott’s leadership, which is equally reciprocated by UTD sta members.

2. Digital Initiatives. We are completely overhauling the database, which is the backbone of our HOA. Under the careful guidance of Susan Kassen and Ross Sivertsen, we’ll be moving to a cloud-based platform designed for HOAs with much more robust functionality, including interfaces with the UTD and

City of Richardson websites. It will also include a link to easily pay your annual dues, including an auto renewal option.

3. Communications. We have several di erent tools to communicate with you…Canyon Creek Life. Email. Social Media. Median Signs. Website. Snail Mail. Etc. Under the leadership of our director of communications, Patti Otte, we are developing a communication strategy to help us identify which tool to use for what type of communication. For example, using Canyon Creek Life to let residents know about day-of mosquito spraying is not a good idea. Neither is spamming everyone with hundreds of emails. We believe a more e ective way to use our plethora of communication tools exists, one which will be more e ective and sustainable, and we’re working out the details.

At the annual meeting, our neighbor City Manager Don Magner provided a great update on all of the infrastructure projects underway and planned. We also elected the 2025 slate of directors. ankfully, we had little turnover on the BOD, but there are a few people to highlight. I already mentioned the new board position that Scott will ll eagerly and capably around UTD. We also elected Matt Walker as our new president! Many of you know Matt and his wife Georgianne, who have lived in our ‘hood

for decades. Matt has served as our director of events this past couple of years, so he understands the culture of our board well. He has a heart for service built on a strong set of leadership skills learned from a career at IBM and decades as a Boy Scout leader at the highest levels.

And nally, Mayor Bob Dubey gave some very kind words to two special people who are rolling o our HOA board. For sevenplus years, until the summer of 2024, Warren Caldwell verbosely served our neighborhood as our president. ere is no better advocate for our neighborhood than Warren. He will be missed but assures me that he is but a phone call away for whatever we need. e second person our mayor honored needs no introduction: the HOA GOAT Jay Dalehite. Jay is rolling o the board as director of membership and the ag program. Susan is prepared take ownership of these important tasks with the help of Cameron Austin, who will oversee distribution of ags. Jay will stay on as president emeritus for the CCHOA until he becomes the membership director for the HOA behind the pearly gates.

We have truly been blessed by these extraordinary men. I will fall back to my customary perch as the past president. It has been a pleasure these last six months in my third tour of duty at the helm and I look forward to helping Matt take the wheel.

CCHOA Representation on the COR Charter Review Commission

provided by City of Richardson.

e CCHOA is excited to announce that three of our 2025 CCHOA board members will be serving on the City of Richardson’s charter review commission. Doris Benner, Jeremy omason and Chip Pratt have been selected and will join eight other Richardson citizens for this important review process.

What is a Charter?

According to the city’s website, the “Charter is a document that establishes the city’s government structure and provides for the distribution of powers and duties among the various branches of government. A charter and all amendments must be approved by a majority of voters in an election. Richardson voters rst established the City’s charter in 1956 and it has been modi ed four

times since then, most recently in 2015. Richardson’s Charter requires that the City Council appoint a commission at least once every 10 years to review the Charter and recommend any changes it deems necessary. e City Council then decides on whether to call an election.”

e commission will meet from JanuaryMay 2025. If recommendations for changes are made, they will be sent to City Council, which will determine if an election will be called to modify the Charter for the Nov. 4, 2025, election.

To view the City’s Charter, visit http://cor.net/ government/charter-code-ofordinances.

2025 Canyon Creek Homeowners Association Board of Directors

President Matt Walker

Past President

Jeremy omason

Treasurer Kerry Gaines

Secretary Doris Benner

Director of Membership

Director of Community Relations

Director of Events

Director of Communications

Director of Crime Watch

Director of Beauti cation

Director of UTD Relationship

Director at Large (focus on website)

Director at Large

Susan Kassen

Chip Pratt

Open

Patti Otte

Sharon Odell

Gabriel Meadows

Scott Robbins

Ross Sivertsen

Stan Eigenbrodt

President Emeritus Jay Dalehite

Info
2405 Canyon Creek Dr. Abbey & Steve Luby, Anna (8), Joseph (6), Leo
320 Shady Hill Dr. Ben & Cheryl Farmer, Henry
2205 Flat Creek Kendall & Hilary Guillot, Sawyer (6), Annie (2)
325 Sutton Pl. Maureen Murphree, Axel & Ace

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Ryan Amerson, the owner of Energy Attic, begins and ends each day asking himself how he can make life better for his clients, his employees and his community. “Our efforts have resulted in 10x growth over the years and lots of positive impact on the industry!” Ryan said. “Put simply, we want to transform your attic space, which will transform your living space so your home can be all it should be.” This is something we’ve done for over 10,000 happy families, creating environments where people can love others through a comfortable and safe home.

Canyon Creek Allstate Insurance

Does homeowners insurance cover theft and break-ins?

Dwelling coverage

Dwelling coverage, sometimes called "dwelling insurance," is the part of your homeowners insurance policy that may help pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.

Personal property coverage

Personal property is the stu you own — furniture, electronics and clothing, for example. Whether you own a home or rent an apartment, home insurance or renters insurance policies typically include personal property coverage. is type of coverage helps pay to repair or replace your belongings after a covered loss, such as theft or re. Here are some things to consider when it comes to protecting your belongings.

Other structures coverage

Other structures coverage is the part of a homeowners insurance policy that helps pay to repair or replace structures other than your home, such as a fence, if they are damaged by a covered risk. For instance, if a tree falls on your detached garage, other structures coverage may help pay for repairs.

Items on your property that typically fall under other structures coverage include:

• A fence

• A detached garage

• An in-ground swimming pool

• A gazebo

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