Home Insurance

Home Insurance In Texas

Ever wondered why mortgage companies in Texas require you to have home insurance? Your home is a significant investment, and so much can happen that can lead to damage and injuries. Home insurance is an excellent policy to help you avoid such costs in the event of accidents. San Jacinto Insurance recommends getting the right amount of insurance for your home depending on its size, value, materials, and where you live. Here’s what you need to know about home insurance to help you make an informed decision.

Home Insurance Basics

Home insurance is property insurance designed to cover damage to property and liability or legal responsibility for property damage. This includes damage or injuries caused by your pets to other people. The standard homeowners’ insurance policy covers the following:

• The dwelling or structure of the house
• Other structures present in the home, including the detached garage
• Property damage liability
• Personal belongings
• Bodily injury liability
• Additional living expenses when your home becomes unlivable

What Home Insurance Doesn’t Cover

While home insurance covers most water damage, it doesn’t cover most natural disasters, such as damage caused by flood water. You will need a separate policy for that. Home insurance also doesn’t cover malicious or criminal acts. Expensive and priceless items like jewelry, artwork, and guns may also not be covered. If you have such items, you can purchase a separate policy for them.

Who Should Buy Home Insurance?

Every homeowner should have home insurance. This policy isn’t a luxury but a necessity. Your home is a considerable investment, and the last thing you want is to go back to your pockets to repurchase damaged items after a fire or burglary.

How are Home Insurance Rates Determined?

Your home insurance premiums are determined by factors such as where you live, your home’s value and age, the materials used, and where you live.

Need home insurance in Texas? San Jacinto Insurance is happy to help take you through the choosing and purchasing process. Contact us today for more information.