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Home Owner Insurance
Protect your home today
Homeowners insurance is a contract between a homeowner and an insurance company designed to provide financial protection against loss or damage to the insured property, as well as liability protection for injuries or property damage involving third parties on the insured premises. These coverages play a critical role in Texas due to the state's diverse geography and weather conditions, helping protect both the home itself and the homeowner’s personal belongings from a wide range of potential risks.
Among the primary coverages available are:
Dwelling Coverage
- Covers the repair or reconstruction of the main residence and attached structures, such as garages and patios, when damaged by covered perils including fire, windstorms, lightning, hail, severe weather, and vandalism.
Other Structures Coverage
- Covers damage to structures that are separated from the main dwelling, such as detached garages, storage sheds, fences, and similar structures, helping ensure comprehensive protection for the entire property.
Personal Property Coverage
- Covers the repair or replacement of personal belongings inside the home, including furniture, clothing, electronics, and appliances, in the event of theft or damage covered. We strongly recommend maintaining a detailed home inventory and retaining supporting documentation to help establish ownership and value in the event of a claim.
Personal Liability Coverage
- Provides legal and financial protection if someone is accidentally injured on the insured property or if the insured causes damage to another person's property.
Loss of Use Coverage
- Covers housing costs and certain living expenses when the home becomes uninhabitable due to a covered loss.
Additional Living Expenses
- Covers reasonable additional living expenses incurred when the home becomes uninhabitable because of a covered event, including temporary lodging, meals, and related costs.
Additional considerations:
Flood Insurance
- For properties located in flood-prone areas, it is essential to consider a separate flood insurance policy, as standard homeowners insurance policies generally do not cover flood-related damage.
Earthquake Coverage
- Earthquake damage is typically excluded from standard homeowners policies and generally requires a separate endorsement or policy.
Insured Values
- It is critical to periodically evaluate the insured value of your home to ensure coverage limits remain adequate to repair or fully rebuild the property in the event of a covered loss.
*It is important to understand that policy terms, conditions, and coverage availability may vary from one insurance company to another. It is critical to carefully review each policy in order to fully understand the scope of coverage and any exclusions that may apply.
