Houston Home Insurance
Weather, water damage, crime, and accidents can damage your home and your possessions; in most cases, you can't stop it from happening, but you can protect your finances when loss occurs. Home Insurance can make sure your life goes on when devastation occurs, and Texan Insurance can make sure you get the coverage that best fits your needs.
This valuable protection covers a broad spectrum of loss from a number of risks that run the gamut. It protects your financial future in case of storms, fallen trees or fire. It covers your loss from burglary and theft, and is your personal liability protection when others are injured on your property.
Why You Need Homeowners Insurance
Although state laws do not require your home to be insured, many home loans come contingent on the purchase of a homeowners' policy. This insurance protects you in case of weather, water, or fire damage. In 2012 alone, according to the National Fire Protection Agency, there were 480,500 structure fires in the United States - with one home structure fire reported every 85 seconds. And the National Weather Service said costs in the U.S. from thunderstorm damage exceeded $321 million in 2012, with hurricane damage, a major threat in the Gulf Coast region, costing more than $171 million.
Home Owners Insurance covers much more than weather damage. With crime on the rise, a security system just isn't enough. Federal Bureau of Investigation statistics say a home burglary occurs in America every 14.6 seconds. In 2010, there were two million burglary crimes reported and 73.9 percent of those were on residential properties. Our experienced agents will help find you a policy that protects your possessions in case of burglary or theft.
Your Home Insurance also provides you with personal liability protection on your property. If little Billy's baseball comes flying through your French doors, your policy covers the repairs. If Rover takes a nip at the mailman or a guest at your barbecue trips and falls in the backyard, your policy can provide coverage in case of lawsuit or injury.
Find The Coverage Best For You
At Texan Insurance, we want to make sure you are receiving coverage that fits your needs and lifestyle. Our agents will find you the best Houston Homeowners Insurance carrier and policy dependent on factors specific to your location, such as weather risks and crime rates in your area. We can help ensure the personal items in your home have the proper amount of coverage and that high-value items are protected through "endorsements" or "riders" on your policy.
Our agents work directly with you to explain all aspects of different carriers' policies. We can give you in-depth explanations and new strategies to consider when choosing the right Home Owners Insurance for you. We will help protect your financial future in choosing the necessary add-ons to your policy, including:
- Increasing your policy's Liability coverage with an Umbrella Insurance policy.
- Replacement Cost Coverage, which pays out the cost of replacing your home and belongings instead of the "actual cash value" of the property, which gives coverage on the depreciated value.
- Endorsements and riders on your policy, which give extra coverage to high-value items such as jewelry and artwork.
When choosing the Houston Homeowners Insurance policy that best covers your personal belongings, you must calculate the total cost of replacement after a total loss. Texan Insurance wants to make sure this process is as easy as possible with a simple checklist to follow in the event that a claim is filed. Once your list is compiled, our brokers will help determine what, if any, additional coverage is needed and which policy best fits your needs.
- Go room-to-room in your home and compile a list of what you own.
- Take pictures of your high-value belongings.
- Keep receipts for all high-value items purchased, including electronics and appliances, and take note of all items' replacement values.
- Keep your list in a secure location, such as bank safe deposit box or a fire-safe lockbox in your home.
Texan Insurance knows the intricacies of Home Owners Insurance and we want to make sure you get the best policy available. Our brokers are here to answer all your questions and provide you with the most affordable options for policies from a wide range of carriers.