Homeowners insurance protects you financially if your home or property is damaged or destroyed by something your policy covers, like a fire or storm.
Is homeowners insurance required?
The law doesn’t require you to have homeowners insurance. But if you still owe money on your home, your lender will require
you to have it. Even though it’s not legally required, homeowners insurance is a good idea because it helps protect your home and other assets.
Homeowners policies combine several types of coverage into one policy. Most homeowners policies in Texas include these six coverages:
Your homeowners policy protects you against different risks, or perils. Risks and perils are things that could damage your house or property. This table shows common risks that most policies do and don’t cover. Coverages vary by company. Read your policy or talk to your agent to be sure of your exact coverages.
Most policies cover damages from:Most policies don’t cover damages from:
Fire and lightning, Flooding,
Sudden and accidental release of water or smoke
A continuous water leak; policies also won’t cover mold removal, except to repair damage caused by a covered risk, Explosion, Termites, insects, rats, mice and even theft.
Losses that occur if your house is vacant for the number of days specified by your policy
Vandalism, malicious mischief, riot, and civil commotion.
Wear and tear. Aircraft and vehicles, earthquakes or earth movement
Windstorm, hurricane, and hail (but not if you live on the Gulf Coast)
We are here to help you figure out what the right insurance coverage is for you! Don't get caught under insured when it matters most!
Call today! Phone: 940-595-0769
Call today to schedule a consultation. Having the right homeowners insurance makes all the diffrence!
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