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We insure homes all over Texas.
From the Brownsville to the Panhandle, from Beaumont to El Paso and everywhere in between.
Depending on where you are, your needs can vary widely.
We can build a custom policy to suit your specific situation.
Common Sections of a Typical Homeowners Policy
Dwelling
Contents ( Personal Property)
Other Structures
The Main structure of the home and structures that are permanently attached to it. Assessing the proper amount of insurance for your dwelling can allow for rebuilding of all or part of the structure should you have a major covered loss.
Other Structures
Contents ( Personal Property)
Other Structures
Structures on your property that are not attached to the main structure. Things like fencing, decks, gazebos, other outbuildings and even a garage that is not attached to the main structure.
This is usually set as a percentage of the Dwelling amount
Contents ( Personal Property)
Contents ( Personal Property)
Contents ( Personal Property)
The contents of your home. With a couple of exceptions, turn your house upside down and what falls out is contents. Your policy has a certain amount to replace your property from a covered loss but there are limitations. Certain types of property have limits on the amount that they are covered for. See some examples listed below
Personal Liability
Additional Living Expense
Contents ( Personal Property)
Covers expenses and judgements arising from an issue that you could be held personally liable for. Things like, Your dog bites someone, someone gets onto your property and hurts themselves.
Additional Living Expense
Additional Living Expense
Additional Living Expense
When you have a covered loss that makes your home uninhabitable, this can pay for expenses that you would incur above and beyond your normal living costs. Hotel or rental home, eating expenses, travel etc.
Medical payments
Additional Living Expense
Additional Living Expense
A subsection of Personal Liability. Can pay for medical expenses for anyone who is not a member of your household and experiences an injury while on your property.
Misc. Sub-limits
Misc. Sub-limits
Misc. Sub-limits
Many types of personal property have sub-limits within the main limit of coverage. A few of these are Jewelry, Watches, Furs, Guns, Coins, Valuable papers, and money. See your insurance advisor for the specifics of your policy as they vary widely by company and policy type and specific endorsements applied
Misc. Sub-limits
Misc. Sub-limits
Policies can vary greatly. Above descriptions are general in nature only and not meant to be a replacement for a thorough policy review. You should always have a professional insurance advisor go over any specifics about your own policy definitions, dates, coverages, limits, exclusions, deductibles etc.