Partner with the home insurance company that puts you first.
The Texas world of insurance can be quite tricky to navigate but with our knowledge we can answer your questions so you will be ready to make a good decision regarding your home insurance policy. We believe in empowering our clients through knowledge. Your personal Britton and Britton Insurance agent helps you find the right coverage at the best price – without the hassle. We partner with top “A” rated A.M. Best insurance companies, giving us the freedom to shop for the good coverage and rates tailored to your unique needs. With integrity at our core, we guide you through your home insurance choices as if we were in your shoes.
What is Homeowners Insurance?
The Texas homeowners policy offers financial protection against common unexpected hazards such as hailstorm damage, wind, rain, tornadoes, hurricanes, brush fire or winter ice storms. Most home policies offer the following basic coverage inlcuded: Dwelling, Personal property, Other structures, Loss of Use, Personal Liability or Medical payments with a twelve-month term.
Are all Home Policies the same?
No. Insurance carriers in Texas sell many different variations of policies and coverage varies greatly by insurance company. Thus, prices on insurance vary based on the amounts of coverage included in your quote, or excluded.
How does Home Insurance work?
Homeowners insurance pays to repair or help replace your house, personal property, other assets in your home if damaged or destroyed by sudden accident, peril or occurrence covered up to your policy limits – less your deductible. Your home insurance policy may also cover living expenses if a covered loss forces you to rent an apartment or house while your home is being repaired or rebuilt. Your property policy can also provide coverage for accidents or injuries that occur in your home, or on your land, when you are found negligent. Dwelling insurance does not include flood or earthquake in Texas it is a separate policy you can purchase.
Is Home Insurance required?
Owning a house in South and Central Texas, or buying a condo in Austin, is an investment worth protecting. Unlike automobile insurance, home insurance is not mandated by Texas law. However, if you are financing your home, mortgage companies, banks and lenders will require home insurance coverage until the loan is paid off. Your lender may provide a much more expensive home policy, called “force-placed insurance,” or send your loan into default if you let your policy expire.
Ask us how to defend your Texas home from covered perils and customize your quote so you only pay for what you need. At Britton and Britton, our priority is finding the right fit for YOU, not the insurance company.
What Does Homeowners Insurance Cover?
Homeowners insurance policies generally cover property damage caused by:
- Vandalism
- Theft
- Storms
- Lightning
- Hail
- Fire
Most homeowners policies will give you these options:
Loss of Use
Can help you pay additional living expenses (housing, food, and other essential expenses) if you must temporarily move because of damage to your house from a covered loss.
Dwelling Coverage
Dwelling coverage is for repairing or rebuilding your home, if your house is damaged or destroyed by a covered loss.
Personal Property
Items in your house (such as furniture, clothing, and appliances) are damaged or destroyed by a covered loss. Special items can be scheduled.
Personal Liability
Can pay to defend you in court against lawsuits if you are found legally responsible for someone else’s injury or property damage.
Flood Insurance in Texas
Flooding can occur anywhere, even in the most unlikely places. Floods are caused by more than just thunderstorms and a creek coming up out of its banks. New construction and long periods of drought are contributing factors. Rising water from a clogged street gutter can come up past the yard, and into a home.
Earthquake Policy in Texas
Texas has numerous tectonic plates including the Balcones fault in central Texas. As hydraulic fracturing, or “fracking,” becomes more common there is more concern with increase in land movement. Seismic activity has been noted east near Timpson, outside of San Antonio and just north of Dallas.
Flood insurance and earthquake losses are usually not covered on your home policy. The good news is the separate policies are most often budget friendly.
Package Your Homeowners Insurance with Britton & Britton
Britton & Britton Insurance will handle the hassle of shopping for multiple policies at a great premium.
Combine your Homeowners Insurance with:
- Business Insurance – Protect your work and home life
- Auto Insurance – Safety for your house and car in one package
- Health Insurance – Stay financially secure every moment of your life
- Life Insurance – Take care of those you love after death
Enjoy the benefits of comprehensive homeowners insurance – call Britton & Britton at 512-469-0693 today!
