Home Insurance
In basic terms, homeowners insurance will protect you in the event a disaster or an accident affects your home. It will cover the structure itself (your house) along with what’s inside (your belongings).
When it comes to what can be covered, the spectrum is really quite broad. Homeowners insurance can protect you in the case of storms, fallen trees, or other. It covers your loss from burglary and is even your personal liability protection if someone is injured on your property.
The cost of homeowners insurance may not be as high as you think. However, Texas does have slightly higher rates than other states due to increased weather damage risks. On average, the cost of home insurance in Texas is $1,945 for $200,000 dwelling coverage with a $1,000 deductible, and $100,000 liability.
Customer Benefits
Customers appreciate products or services that are tailored to their individual needs.
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Why you need home insurance?
Interestingly enough, Texas state laws do not require your home to be insured. Don’t use this as a green light to opt out, though. Many home loans require the purchase of a homeowners’ policy. Plus, it’s an unfortunate reality that accidents and events could very well occur in your home, and there’s nothing like the peace of mind knowing that if one of these events occurs, that you are protected against the loss.
Homeowners insurance goes beyond weather damage
Lastly, your home insurance also provides you with personal liability protection on your property. Personal liability coverage means your policy will protect against bodily injury and property damage that occurs in your home. These personal liability claims could be medical bills, legal fees, and more. One example situation is if you throw a party and a guest hurts himself and sues you for it. You will need protection.
