Insure Your Home
Texas is a big state with homes spread far and wide. From the country to the city, Texans need homeowners insurance to safeguard one of their most precious possessions – their homes. Whether you’re buying a home, condo or renting an apartment, homeowners insurance covers your residence so you always have a place to come home.
What is Homeowners Insurance?
Homeowners insurance pays to repair or replace your house and personal property if they’re damaged or destroyed by an event or occurrence covered by your policy.
Most homeowners policies in Texas offer the following coverages: Dwelling, Personal property, Other structures, Loss of Use, Personal Liability or Medical payments.
Insurance companies in Texas may sell several types of policies. If a company offers you a policy with less coverage than you’d like, ask if other policies are available. You may also be able to buy additional coverage by adding endorsements to your policy.
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!
