Home/Dwelling/Renter/Condo insurance in Texas

Homeowners

Homeowner Insurance covers your home, contents and liability. We cannot stress enough how it is important that you know and understand both property coverage and liability on your home policy.

• Compensates you for losses to your home and your possessions inside it, and provides added security for your investment.
• Protects you if you’re legally liable for someone’s injuries on your property, as well as from financial losses caused by storms, fire, theft and other events outlined in your policy. In summary, it protects your most important investment and provides peace of mind in the event of a loss.

Are all homeowners policies the same? The answer is no.

• You may be making high payments for an insurance policy, only to find out too late that you are not covered during a claim.
• On the other hand, some other agencies may place you with a very basic policy without your true understanding of the protection you are giving up for a matter of a few dollars a month.

Dwelling

This type of insurance is for the properties you own but are leased out to others. This will cover the building and the liability only.

Renters

For those of you who rent apartments, homes, condos etc. this will cover your personal belongings.

Condos

This coverage is for individuals who own a Condo. The insurance covers everything inside the structure (walls in).

**Note that none of these policies cover flood damage. Flood coverage is purchased as a separate policy and is managed by the National Flood Program. You must purchase this from an agent.