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Homeowners Insurance Information
Serving Texas, Florida, Illinois, California, Georgia & 30 other states
Homes can be virtually irreplaceable for many people. Filled with personal treasures, sometimes, these dwellings are architectural structures that uniquely represent their owners. Other times, homes are more modest with fewer possessions. Regardless of the type of residence and amount of belongings, an owner can be financially devasted if something unforeseen happens. That’s where homeowners insurance can come in handy.
What Is Homeowners Insurance?
Ensuring your home and belongings are protected is essential to your financial well-being. Your home and belongings may be your most significant financial investment, and homeowners insurance can enable you to bounce back if your home is damaged or destroyed.
What Does Homeowners Insurance Cover?
Four types of coverage are typically included with a homeowners insurance policy. These include:
- Coverage for your home’s structure may help pay to repair or rebuild your home if it’s damaged or destroyed by a covered disaster, such as fire, hail, lightning or another calamity.
- Coverage for personal belongings may help pay for belongings stolen or destroyed by a covered disaster. Some people add a personal property endorsement or floater if they have expensive items (e.g., jewelry, art, furs) that may exceed their homeowners policy limit.
- Liability protection may help with medical bills and lawsuit costs for bodily injury or property damage caused by you or your family members. It may also pay for damage caused by pets. Your policy’s liability portion could also help pay for court costs and awards up to your policy’s limit.
- Additional living expenses may help pay for your costs if you must live elsewhere because of damage to your home from a covered disaster. Hotel bills, restaurant meals, and other living expenses may also be covered while your home is rebuilt.
How Much Homeowners Insurance Do I Need?
Determining how much homeowners insurance you may need can be complicated. Homeowners insurance typically protects your home’s structure, including fixtures, plumbing and heating. You’ll typically want to purchase sufficient protection to cover rebuilding or repairing your home. Taking a home inventory to determine whether you have high-value fixtures or possessions can help you decide whether or not you need to purchase additional coverage to insure your items properly. Finally, you’ll also want to ensure you have adequate liability protection and limits. An agent at Integrity Network Insurance Group can work with you to ensure you have sufficient home insurance.
Protect Your Assets
Integrity Network Insurance Group can help you with a homeowners insurance policy that covers your critical assets. As a family-owned and operated independent agency for more than 45 years, we help customers in Austin, Dallas, Houston, San Antonio and all of Central Texas with their insurance needs. Call us at 512-989-6006 or 800-473-8962 to get started on your coverage.
Insurance information for the savvy consumer