Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners insurance?
Homeowners insurance can provide financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. This is especially important because home ownership is a large investment.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.
Things to consider when speaking with your agent
There are a few key issues that can help your agent locate the best protection for your situation. These issues include:
Texas Insurance Agency provides those from all over Texas, including:
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