Home Insurance Options for Texas Homeowners
Deciding to purchase a home is a big deal. Before you move in, make sure that it is protected with the right home insurance. Sure, you know that home insurance protects you should there be a fire or severe weather, but the reality is that a policy does so much more than that. In Texas, our team at RW Insurance Services Inc. can help you understand how a home insurance policy truly covers almost everything.
Beyond accidents like fire or severe weather events, home insurance policies can protect everything in the home. This includes your furniture, clothing, and other personal items. It will even cover personal items that are damaged or stolen when you are away from home. If your laptop is stolen from a local bookshop while you are working on the great American novel, it will be covered.
Home insurance also provides liability coverage in the event someone is injured on your property, where you are found to be negligent. Not only will it cover their medical expenses, but it will also help with legal costs if they decide to sue you. As medical and legal fees can be astronomical, this layer of protection can prevent financial devastation.
Beyond the house, home insurance also covers any structures on the property, such as sheds or workshops. It can also include fencing and gazebos. One thing home insurance policies do not cover is flooding. If you have a ruptured water heater, that may be covered, but a flood in your city will not be. If you are concerned about flooding in your area, talk with your agent about obtaining a separate flood insurance policy from the National Flood Insurance Program.
At RW Insurance Services Inc., our agents work with homeowners throughout Texas. We’re ready to answer any questions you may have. Realize that home insurance is designed to protect you financially. Come in today to learn how!
