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Some of the Best Homeowners Insurance
Values in Texas

Homeowners Insurance Highlights

• No Credit Scoring for Homeowners Hazard Insurance Policies with two of our major insurance carriers
• Insurance quick Quote & Binder coverage for same day service on most dwellings and autos in Texas
• Best Competitive Rates, discounts for a new home, monitored alarm, claims free history, companion auto insurance & life insurance may apply
• Replacement Cost for Dwelling and Contents (Unscheduled Personal Property), with only a 1% deductible is available
• Basic: 8 Peril Hazard Insurance Policy (or Form HO-A & vandalism; as compared), with "replacement cost". More info on Basic Policy
• Better: 14 Peril Hazard Insurance Policy (or Form HO-A enhanced +; as compared), with "replacement cost". More info on Better Policy
• Best: All Risk Hazard Insurance Policy (or Form HO-B enhanced+; as compared), with "replacement cost". More info on Best Policy
• Standard Insurance for Single Family Dwellings, with up to $1,000,000 in Comprehensive Personal Liability, and $5,000 in immediate Medical coverage
• Sudden sewer & drain  back-up insurance coverage standard with two of our major carrier policy types
• Renter's Insurance for content coverage on the things you own
• Insurance for Rental & Investment Property for in state or out of state property owners
• Insurance for Townhomes & Condominiums, with or without Associations in Texas

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Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.   Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused to others by household pets.   Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

 
  What is in a standard homeowners insurance policy?

	A standard homeowners insurance policy includes four essential types of coverage. They include:   Coverage for the structure of your home.   Coverage for your personal belongings.   Liability protection.   Additional living expenses in the event you are temporarily unable to live in your home because of a  partial fire or other insured disaster.
	1. The structure of your house This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disaster listed in your policy. It will not pay for damage caused by a flood, earthquake or routine wear and tear. When purchasing coverage for the structure of your home, it is important to buy enough to rebuild your home.   Most standard policies also cover structures that are detached from your home such as a garage, tool shed or gazebo. Generally, these structures are covered for about 10% of the amount of insurance you have on the structure of your home. If you need more coverage, talk to your insurance agent about purchasing more insurance.  It is available.
	2. Your personal belongings Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disaster. Most companies provide coverage for 40% to 60% of the amount of insurance you have on the structure of your home. So if you have $100,000 worth of insurance on the structure of your home, you would have between $40,000 to $60,000 worth of coverage for your belongings. The best way to determine if this is enough coverage is to conduct a home inventory.  Additional insurance is available.   This part of your policy includes off-premises coverage. This means that your belongings are covered in other parts of the world. Most companies limit the amount to 10% of the amount of insurance you have for your possessions. You have coverage for unauthorized use of your credit cards as well, did you know that?   Expensive items like jewelry, furs and silverware are covered, but there are usually dollar limits if they are stolen. Generally, you are covered for between $500 to $5,000 for all of your jewelry.  Furs, paintings, and individual art objects also have specific limits of coverage. To insure these items to their full value, purchase a special personal property endorsement, floater, or schedule and insure the item for it's appraised value. Coverage includes “accidental disappearance,” meaning coverage if you simply lose that item, and there is no deductible.   Trees, plants and shrubs may also be covered under standard homeowners insurance.  They are not covered for damage by wind or disease.	Click below to create your personal home inventory with I.I.I.'s easy-to-use tool:   DOWNLOAD: Free Home Inventory Software
	3. Liability protection http://www.iii.org/individuals/other/insurance/dogbites Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. So, if your son, daughter or dog accidentally ruins your neighbor’s expensive rug, you are covered. However, if they destroy your rug, you are not covered.   The liability portion of your policy pays for both the cost of defending you in court and any court awards—up to the limits of your policy coverage. You are also covered not just in your home, but elsewhere in the world.   Liability limits generally start at about $25,000 and can go up to $1,000,000. However, experts recommend that you purchase at least $300,000 worth of protection. Some people feel more comfortable with even more coverage. You can purchase an umbrella or excess liability policy which provides broader coverage, including claims against you for libel and slander, as well as higher liability limits.   Your policy also provides no-fault medical coverage. In the event a friend or neighbor is injured in your home, he or she can simply submit medical bills to your insurance company. This way, expenses are paid without a liability claim being filed against you. You can generally get $1,000 to $5,000 worth of this coverage. It does not, however, pay the medical bills for your family or your pet.	Dog Liability - Protect yourself Use good judgement Protect others
	4. Additional living expenses This pays the additional costs of living away from home if you can't live there due to damage from a partial fire loss, storm or other insured disaster. It covers hotel bills, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company. Most policies provide coverage for 20% of the insurance on your house.   If you rent out part of your house, this coverage also reimburses you for the rent that you would have collected from your tenant if your home had not been destroyed.

    Information provided by:  Insurance Information Institute  http://www.iii.org/ 

our motto...
Insurance Texas Trusts