Homeowners Coverage
Texas Homeowners Insurance
Homeowners insurance protects you from financial losses caused by storms, fire, theft, and other events outlined in your
policy. It is important to know whatīs in your policy. This webpage gives you general information about Texas
Homeowners Insurance, but it is not a substitute for the policy itself.
Make sure you read your policy carefully and understand your specific coverages. Itīs also important to know your rights. Texas has a Consumer Bill of Rights for homeowners and renters insurance. Your company must send the Bill of Rights with your policy or renewal.
Donīt wait until you have a claim to review your policy
and to know your rights.
Texas Homeowners Policies
You can buy a dwelling policy that covers only the structure of
your house. Or, like most Texans who own their homes, you
can buy a Texas Homeowners Policy, which combines five
different types of coverage:
Dwelling-
Pays for damage to your house and any
outbuildings, such as detached garages and storage sheds.
Loss of use-
Pays living expenses if your home is too
damaged to live in during repairs. The most common policy
pays up to 20 percent of the amount for which your house is
insured.
Personal property-
Pays when household items, including
furniture, clothing and appliances, are damaged, stolen, or
destroyed.
Personal Liability-
Protects you against financial loss if you
are found legally responsible for someone else\īs injury or
property damage. A homeowners policy automatically
provides $100,000 in coverage. You can buy up to $300,000
in coverage for an extra premium.
Medical payments to Others-
Pays medical bills for people hurt while on your property. A basic homeowners policy pays $500 in medical
bills. You can pay extra and get up to $5,000 in medical payments coverage.
A person's home is his castle. So, what happens if the worst strikes your home? Does your current coverage protect you?
Aditional Homeowners Insurance coverages are offered:
Sudden and Accidental water loss — up to the full value of your home
Up to $5000 Mold coverage
Personal Property protected at replacement value
Flexible Plans to meet your needs.
FREE Home Insurance Quote
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