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Homeowners Insurance
Regardless of if you own or rent, ensuring your residence can help protect your finances in the event of a loss caused by fire, theft, vandalism, or other covered events. Additionally, it will protect you if someone is injured on your property and secures a legal judgment against you.
Property owners’ insurance policies vary in terms of the types of losses covered, the coverages selected, and the type of residence owned. You decide whether to purchase a comprehensive policy that covers losses caused by fire, hail, smoke, falling objects, vandalism, and theft of personal property, or a policy that covers only selected specific losses.
Common Insurance Coverage for Homeowners in Texas
Dwelling
It’s the part of your policy that covers the physical structure of your home, known as the dwelling (main house). Supply and demand, as well as the cost of raw materials, can affect how much it costs to replace your home.
We’ll conduct a replacement cost analysis on your home to determine how much it would cost to rebuild if the worst did happen.
Other Structures
Any structure on your property that is not permanently attached to your house, such as fencing, driveways, sidewalks, and detached buildings such as sheds and garages, is included in this category. Ten percent of your Dwelling limit is typical, but it can be increased if necessary.
Personal Property
Your furniture, clothing, appliances, and other electronics are all included in your Personal Property. In other words, anything that would fall out of your house if you were to turn the structure upside down and shake it out.
Loss of Use
If your primary residence is rendered uninhabitable due to a loss, you may be eligible for Loss of Use coverage.
Medical Expense
When guests are injured on or off your property, Medical Expense will cover their medical bills. In some cases, it will also cover those who are injured outside your property. Neither you nor any of your family members are covered by this policy.
Family or Personal Liability
In general, the coverage is valid worldwide. Consider things like your income and the value of your assets when deciding how much liability coverage you need. If you’re sued, your personal liability insurance should be enough to cover your assets. The extra protection provided by an umbrella policy may be required in certain circumstances.
Scheduled Personal Property
If you have valuables or collectibles like jewelry, guns, collectibles, rugs, etc., you may want to consider scheduling them for special coverage.
Because each home is unique, each policy must be tailored to suit its needs. Don’t wait, get started with your Homeowners Insurance now.
Call (979) 245-5563 or send us a message to request a callback.