Texas Homeowners Insurance
Protecting homes in Clyde, Beeville, Abilene, and all of Texas
Your home is not only the center of our daily life — it’s your most valuable asset. That’s why having the right homeowners insurance in Texas is so important.
If your home were damaged or destroyed, would your homeowners insurance policy provide enough coverage to get your life back to normal? Inner Circle Advisors can help you find homeowners insurance that will best meet your needs and provide the most valuable combination of price and coverage.
Whether you live in a house, an apartment, or a condominium – the right home insurance policy can provide you with peace of mind as well as the money you need to repair or replace your home and belongings.
About Homeowners Insurance in Texas
Insuring a home in Texas provides financial protection if you suffer a loss due to fire, theft, vandalism, or other covered event. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
It’s up to you to choose the right policy for you. Whether you’re a homeowner, a renter, or a landlord, Inner Circle Advisors will help you to find a policy that fits your needs and your budget. We specialize in making it easy to choose the insurance coverage that gives you the best value.
How Much Does Homeowners Insurance Cost in Texas?
Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:
- What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
- How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
- Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
What Does Homeowners Insurance Cover?
In general, a homeowners insurance policy will provide coverage for the following:
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses-commonly for up to 24 months-while damage is assessed and your home is repaired or rebuilt.
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Scheduled Personal Property
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
Protect the Things that Matter to You
To make sure you have the right amount of coverage, we suggest putting together a detailed inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance in Clyde, Beeville, Abilene, or wherever you live in Texas..