A Quick Guide to Texas Homeowners Insurance
Homeowners insurance is critical because it can help you if damage occurs. No one knows when a natural disaster may strike, so preparation is critical.
You have to ask yourself…
What would happen if a disaster struck your home tomorrow? Are you confident you're properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?
These questions are crucial to address because major insurance carriers hold on new clients after a disaster strikes. More importantly, when you're facing a crisis, you'll feel less pressure knowing:
Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.
Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.
For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.
You could also potentially need insurance to protect you from having to pay for:
When you see an independent insurance agent like us you have the chance to explore all your options for insurance and protect the things that are most important to you.
There are many things about insuring a home that most consumers aren't aware of. We are here to make sure you avoid potential problem areas, including:
While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you. As an Independent Insurance Agency, we offer pricing from many carriers to find the best value for your money. Let us be your personal insurance shopper!
After all, there's no such thing as a one-size-fits-all insurance policy when it comes to your personal policy.
Contact us today, and we'll help you protect what matters most.
Purchasing a home is one of the most important investments you'll make in life. If you live in Texas, you know it's a home of adverse weather such as hurricanes, tornadoes, hail, thunderstorms, blizzards, and droughts. If such weather strikes your home, the experience can be debilitating. That's why you need to protect your property in case a natural disaster destroys your home. If you're looking for homeowner’s insurance in Texas, you've come to the right place.
Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.
Your Texas home's insurance value and market value aren't the same. The market value represents the property's worth when buying or selling it. On the flip side, the insurance value is the coverage you need when rebuilding the home to destruction by fires or other natural disasters.
While homeowners insurance includes a broad range of coverages, it excludes: Trampolines, pools, and aggressive dog breeds Business-related claims Identity theft -Character defamation Water damage Acts of war Nuclear accidents Damage due to bedbugs, termites, and other infestations