Texas Homeowners Insurance Policies

Texas Homeowners Insurance Coverage Options

Dwelling Coverage – This part of the policy protects your Texas home’s roof, walls, and built-in appliances against covered loss such as fire, hail, high winds, and vandalism.

Other Structures Coverage – Any other structures separate from the main dwelling that are located on your property can also be protected against covered loss outlined in your policy. Common types of structures that are covered include a work shed, a detached garage, even a fence surrounding the property.

Personal Property Coverage – Homeowners insurance covers the cost of loss or damage to your personal possessions located inside of your home at the time of a fire or other covered peril. Personal property policies offer replacement cost coverage for items such as electronics, clothing, furniture, tools, and other belongings to the limits set forth in the policy. This does not include more expensive items like fine art or jewelry unless you have purchased additional coverage.

Personal Liability Coverage – In the event someone gets injured in your home or you are responsible for damage to their property while in your home, your homeowners insurance coverage offers financial protection to cover medical expenses, repair or replacement costs, or legal fees in the event you are sued by the injured party.

How Much Does Homeowners Insurance Cost?

Discounts can also play a role in lowering your premiums with bundle and save options that combine home and auto insurance policies and other possible discounts that might apply to the homeowner’s specific dwelling and potential hazards.