Homeowners Insurance Houston, says depending on where you live and what type of housing your have (house, apartment, or condo) the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!
The amount you pay for your homeowners insurance Texas depends on many factors. Think of your personal housing situation, and the things you want to protect.
Homeowners Insurance Houston – Protecting Dallas, Austin & San Antonio, Texas
Homeowners insurance Houston - Home is the center of your daily life, and likely your most valuable asset. When a home is damaged or destroyed, the claim needs to be settled by an insurance company that understands this simple fact. Frank Medina Insurance can help find the homeowners insurance that will best meet the needs and provide the most valuable combination of coverage, quality service and fair pricing.
Texas – What you need to know about homeowners insurance?
Own or rent, insuring the place called home can help protect agains
t financial issues if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also provide coverage in the event someone is hurt while on the property.
Home Insurance Agency
Try using an insurance broker for all your insurance needs.
Policies for Homeowners Insurance Houston differ by which losses are covered, which coverages are selected, and what type of house it is. Choose which policy is best, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
Frank Medina is here to help find the right insurance for any home.
Everyone is at different stages in life - home or condo owner, a renter, or a landlord, Frank works non stop to find a home insurance policy that fits. He specializes in making it easy to choose the insurance coverage that gives the best value for the best price.
Home insurance policy
Is most often made up of the specific options selected, so how much is paid for a policy depends on:
What you select
Oftentimes homeowners insurance options are priced individually, so how much is paid for a policy depends on what coverages are chosen.
How much home coverage
Higher deductibles usually lower premium. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
Choose to set higher limits than the recommended amount if appropriate to the situation and needs.
Worried not completely covered?
Consider an umbrella insurance policy that extends for more coverage.
Houston Home Insurance
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.
- When choosing liability coverage limits, consider things like how much money is made and the assets available. Personal liability coverage should be high enough to protect assets if sued.
This covers medical expenses for guests if they are injured on premise, and in certain cases covers people who are injured off of property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
Did you know this home insurance policy coverage will pay additional living expenses from a covered loss—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.
Protection for Belongings
Typically homes are filled with furniture, clothes, electronics and other items that mean a lot. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Personal Property Coverage
Have special items 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.
Renting Out A Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Call about our Landlord Protection Insurance page for more information.
Houston, Dallas, Austin & San Antonio, TX – Protect the Things that Matter to You
Make an 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 home. Keep in mind that most policies doesn’t cover damages caused by poor or deferred maintenance on your part.
How much is home insurance?
Every homeowners insurance Houston is unique – talk to us today to find out how to get the best price and value on homeowners insurance.
Home Insurance Houston Texas
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