Home Insurance
If you have a home or own one, you probably know that home insurance is a must-have for all homeowners. Home insurance protects you from unexpected damage or loss to your huge investment. Home insurance has many coverage packages available. Understanding how different policies work will help you choose the right coverage that suits your unique needs. At Insure Texas LLC, we have prepared standard home insurance coverages to help you make an informed decision before hitting the market.
- Liability coverage: This policy protects you when an incident occurs on your property or in your home to other parties. The policy is designed to cover legal fees or medical costs you are deemed responsible for. For example, liability coverage steps in to cover the associated costs when a guest slips and gets injured on your walk away or a tree from your compound falls and damages your neighbor’s property.
- Dwelling coverage: Most people buy home insurance for structural coverage. This policy would cover your home if it gets destroyed or damaged by a covered peril. Depending on your policy, the dwelling coverage protects your primary dwelling and other detached places like a gazebo.
- Personal property coverage: Your items don’t come cheap. Personal property coverage covers items in your home that were destroyed by a covered event. Items covered mainly include furniture, clothing, and electronics.
- Additional living expenses: If a covered event damages your home to the extent of being uninhabitable, your policy can put you in a temporary shelter as your home gets repaired. This coverage covers your additional living expenses, including gas, meals, laundry, and accommodation.
Home insurance in Texas
If you live in the Houston area or anywhere in Texas, shopping for insurance, look no further than Insure Texas LLC.
