Home Insurance

We understand the demands of owning a home. Homeowners insurance provides protection for you.

Dwelling coverage pays for structural damage to your home caused by certain types of losses. Each individual policy will specify exactly what types of losses are covered.

Personal property coverage is for the contents inside your home like clothes, furniture, appliances, electronics, pots and pans for certain types of losses.

Coverage and deductible options are available to customize your policy to your needs.

Liability Insurance protects you if you are found legally responsible to someone that does not live in your home, for injury or property damage

Medical payments to others pays for reasonable medical expenses if someone other than a household member is injured at your home.

Additional Living Expense is to pay any additional expenses you might have as a result of a covered loss. For example, your home has fire damage which makes it uninhabitable so you need to stay in a hotel while it is being repaired. This coverage pays reasonable and necessary expenses while your home is being repaired.

Before buying homeowners insurance, consider the difference between "replacement cost coverage" and "actual cash value". Replacement cost coverage pays to replace the home or property up to the limits of the policy. Actual cash value will cause the loss to be depreciated based on the age and condition of the home at the time of the loss.

The Replacement Cost of your home is not the taxable value or market value, but what it would cost to rebuild the home. Your Homeowners insurance policy will have some common things that are not covered. Some of the common things NOT covered by your policy are Flooding, Earthquakes, Termites, Insects, Rats or Mice, Wear and Tear or maintenance issues, water damage resulting from water leaking over time and losses if your home is vacant for 30 days or more.Get a Quote Now

Renters Insurance

It's Renters Insurance, but it should be called your "Stuff" Insurance.

Your landlord's insurance does not cover any of your "stuff". Renters Insurance covers things like your clothes, furniture and electronics.

Protection for your "stuff" from damage by fire, lightning and theft to name a few Additional Living Expense to pay any additional expenses you might have as a result of a covered loss. For example, your apartment has fire damage which makes it uninhabitable so you need to stay in a hotel while it is being repaired. This coverage would pay reasonable and necessary expenses while your home is being repaired.

The policy will have some limitations for many items such as jewelry, silverware, firearms, and computers. So make sure you let your agent know what you have to get it insured properly. Options available to customize your policy for your needs.

Liability Insurance protects you if you are found legally responsible for injury or property damage for someone that does not live in your home.

Flood Insurance

According to the National Flood Insurance Program, all Americans are at risk for flooding. Regular homeowners' insurance and other property insurance do NOT cover flood damage.

Flooding is defined by the National Flood Insurance Program as "a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from ANY SOURCE, and mudflows."

Flooding can be brought on by landslides, a hurricane, earthquakes, or other natural disasters that influence flooding, but while a homeowner may, for example, have hurricane coverage, that coverage will not cover floods as a result of hurricanes.

• Anyone can buy flood insurance as long as their community participates in the National Flood Insurance Program, even renters.
• Texas State Low Cost Insurance can check to see if your community participates in the National Flood Insurance Program and give you a quote.