Home Insurance in Texas
If you need home insurance in the Texas area, the team from Brock Insurance Group, LLC can help. Whether you’re a new homeowner or moving into a new property, you want to secure a policy that provides the right amount of coverage you need in case an emergency arises.
Who Needs Texas Home Insurance?
Most mortgage lenders require a standard homeowner's insurance plan before authorizing a loan. The lender is also likely to ask that the policy you choose cover the fair market or full value of the home. Tenants of rental properties usually don’t need home insurance but will instead secure renter’s insurance plans. Standard home insurance policies will typically not cover specific perils. For instance, you may need separate insurance coverage if you want protection in case of damage caused by earthquakes or flooding.
Texas Home Insurance Benefits
Typically, standard home insurance plans cover any damage to the interior or exterior of the home. Perils that may be included are fire, hurricane, and vandalism. The insured files a home insurance claim to help pay for any repairs or rebuilding needed. Certain personal belongings, such as furniture and appliances located within the home, may also be covered in the event of a disaster. Personal property coverage levels within home insurance plans typically include actual cash value and replacement cost. The actual cash value replaces personal property at their current values, while replacement cost covers the current price to replace the belongings.
Besides protecting the structure of the home and its contents, home insurance plans will also usually include liability coverage. If someone becomes injured while on your property, home insurance provides a certain level of protection.
Another potential inclusion of a home insurance plan is additional living expenses. This part of the insurance coverage helps pay any rental costs incurred while a damaged home is being repaired or rebuilt.
Have any additional questions about home insurance in Texas, or interested in receiving a no-obligation quote? Contact the independent agents of Brock Insurance Group, LLC today.
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