Texas Homeowners Insurance

Homeowners insurance provides protection for the home, its contents, and the other personal possessions of the homeowner(s), in addition to liability insurance for accidents that may happen on the homeowners property.

Also, some lenders will require that you have homeowners insurance equal to or greater than the principal of the mortgage or the loan amount. It is vital that you make sure you have sufficient insurance so that in the event of a fire, theft and other perils, you are fully covered. A typical homeowners insurance policy covers the house, the garage and other structures on the property, as well as personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of perils including windstorms, fire and theft. The degree of the perils covered will depend on the kind of policy you have. An all-risk policy offers the broadest coverage and will cover all perils except those explicitly excluded in the policy.

The cost of homeowners insurance often depends on what it would cost to replace the house and which additional riders or extra items to be insured are attached to the policy. Typically, claims due to earthquakes, floods, other acts of nature, or war are excluded. Special insurance can be purchased for these instances, including flood insurance and earthquake insurance.

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