Home Insurance for Texas

Owning a home is a huge accomplishment for most people. Do you know how to protect you and your family from costly issues that could take this all away?

Homeowners insurance is a policy that may help provide financial protection against disasters and other issues that can hurt you financially. In most cases, this type of insurance is in the form of a package policy that covers the following:

• Dwelling - protects the structure of your home and other structures attached to it. The basic homeowners insurance policy pays you in case of any damage due to fire, and severe storms. Tornado's and hurricanes may be covered.
• Other Structures - provides protection for structures or dwellings on your property but not attached to your residence (unattached garage, storage, shed, fencing, boundary etc.)
• Unscheduled Personal Property - covers damage to your personal effects owned or used by you inside or outside the home.
• Loss of Use - reimburses you for expenses you may incur if your home becomes uninhabitable due to a loss covered by the insurance policy.
• Personal Liability - provides coverage if another person brings a claim or lawsuit against you for bodily injury and/or property damage resulting from negligence on your property.
• Medical Payments - provides coverage for medical payments if a third party is injured by or on your personal property.

Coverage for these things varies depending on your policy. Typically, you can create a comprehensive policy with your insurance agent that provides adequate coverage in the areas you need it. Homeowner’s insurance ensures that you and your family will be safe from liability issues and property damage. Included in liability issues, typically, is injury or property damage that you or a member of your household causes to another person. Some policies will also include damage caused to other people by household pets. Your home is covered for damaged caused by most disasters. Typically, floods, earthquakes, and normal wear and tear are excluded from homeowner’s insurance coverage. Supplemental policies can be purchased to cover floods and earthquakes.

For more information on Texas homeowner’s insurance, contact Jesse Trevino Insurance Agency Inc. today! We can offer you numerous options for creating a customized and comprehensive homeowner’s insurance policy. Filling out our free quote form can also help us better understand your insurance needs. A home is important to any family, do not leave yours to chance.

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