homeowners insurance

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Homeowners Insurance

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Page 1: Homeowners Insurance

Homeowners Insurance

Page 2: Homeowners Insurance

Protect your house and your personal property with homeowners insurance through the A-Affordable Home Insurance Program(s).

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Page 3: Homeowners Insurance

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Having homeowners insurance, or home insurance, means having protection for your home, both inside and out; this goes a long way in giving you one less thing to worry about.

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WHAT IS HOMEOWNERS INSURANCE?

Homeowners insurance pays you for losses to your home and your property inside it, so buying a homeowners insurance policy provides added security for your investment

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Homeowners insurance also protects you if you’re found legally responsible for someone’s injuries on your property, as well as from financial losses caused by storms, fire, theft and other events covered in your policy.

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Texas has a Consumer Bill of Rights for homeowners and renters insurance. Your company must send you the Bill of Rights when you get or renew a policy.

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Texas Homeowners Policies

Most homeowners policies in Texas include the following coverages:

• Dwelling pays if your house is damaged or destroyed by a covered loss.

• Personal property pays if the items in your house (such as furniture, clothing, and appliances) are damaged, stolen, or destroyed.

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• Other structures pays to repair or rebuild structures not attached to your house, such as detached garages, storage sheds, and fences.

• Loss of use pays your additional living expenses (housing, food, and other essential expenses) if you must temporarily move because of damage to your house from a covered loss.

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• Your policy will pay either a percentage of the amount of your dwelling coverage (typically 10 to 20 percent) or for a specific period after the loss (such as 24 months).

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• Personal liability pays to defend you in court against lawsuits and provides coverage if you are found legally responsible for someone else’s injury or property damage

• Medical payments pays the medical bills of people hurt on your property. It might also pay for some injuries that happen away from your home, such as your dog biting someone at the park. A basic homeowners policy pays $500 in medical bills, but you may buy up to $5,000 in medical payments coverage.

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For an additional fee, you can choose optional homeowner’s insurance coverage, including:• Higher limits of liability for property damage or

bodily injury• Replacement cost for personal property• Protection for valuables (jewelry, watches, fur,

etc.)• Additional coverage for electronics or computer

equipment

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To make shopping for the right homeowner’s policy easier, make a list of what you own to decide the level of coverage you need.

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CONTACT US

Whether you’re looking for cheap homeowners insurance or want the highest levels of coverage through the best homeowners insurance, it pays to shop around.

Why not get a free quote today?

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