Homeowners Insurance in Texas: What You Need to Know
If you’re like many people, your home is your biggest investment. It’s something you certainly need to be covered in case of a disaster. A bad day is made even worse when you find out your Texas homeowner’s insurance doesn’t cover what you need it to. Make today the day you learn more about homeowners insurance, including what it actually covers and what additional policy upgrades you may need to add.
Dwelling: One of the basic coverages of all homeowners insurance policies is dwelling protection. This portion of your policy covers the actual structure of the house, like the roof, foundation, and walls. Dwelling coverage includes other structures that are attached to the home, such as a garage, back patio, porch, or deck.
Other structures: Many properties have structures that are not attached to the home itself, like a detached garage, tool shed, or fence. Your homeowners insurance policies also include coverage for these other structures. If a hurricane knocks your roof off and your fence down, you’re covered!
Personal property: Homeowners insurance covers what is inside as well. It is quite possible that you have personal belongings, like electronics, jewelry, watches, musical instruments, memorabilia, and furs, that are very valuable. Be sure to look at the details of your current policy to ensure you have enough coverage for these luxury items. If you discover that your items are more costly than what your current policy covers, you’ll want to opt for optional coverages.
Liability: Your policy also provides liability coverage when someone not living with you is injured while on your property. Consider a situation where a plumber slips in your flooded bathroom, falls, and injures himself. Bodily injury liability coverage may help pay for your resulting legal expenses or the visitor’s associated medical bills.
Adverse weather events: Typical homeowners insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms and hail. But, it’s important to know that not all natural disasters are covered by homeowners insurance. For example, damage caused by floods are not typically covered by homeowners insurance. If your television is ruined when a hurricane breaks your window, it is covered but if that same tv is ruined in a flood, even a flood that resulted from the same hurricane, it is not. If this sounds confusing to you, you’re not alone!
Does your Texas homeowners insurance cover everything you need it to? If you are not sure, reach out to the friendly professionals at Pronto Insurance. It is important to note that what is listed above is included in a basic policy, but you are able to purchase additional coverage for greater protection. When you get your free quote, you’ll realize that your policy doesn’t have to be costly in order to provide the great coverage you need.
