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Homeowners Insurance Information
You spend a lot of time in your home, and you've likely invested a lot of money into it to be able to own it. It's an important place for you and your family, and it's probably difficult to imagine what you'd do without it if something bad were to happen. But don't worry! The experts at G & H Insurance are here to help.
The home insurance policies we offer maximize coverage of your home and all of the valuable possessions in it — including your family — at a price you can afford.
Homeowners insurance will cover damage your home it sustains in most disasters. However, if floods or earthquakes cause damage to your home, you'll need to buy additional coverages. In fact, you'll need separate policies for flood and earthquake coverage. Also, if your home is damaged because of poor maintenance, you'll be responsible for the damages.
What Home Insurance Covers
Homeowners insurance will cover you financially if your home — or the possessions in it — are damaged by a series of unpredictable events. Homeowners insurance can mitigate the financial hit you'd otherwise take while restoring your home , which is likely one of your largest investments.
Here are some unpredictable events that homeowners insurance can cover:
- Hurricanes, tornadoes, and other weather emergencies
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, your insurance policy can reimburse you for your loss or pay for repairs.
- Lawsuits related to any of the above
Remember that homeowners insurance will only cover unexpected damage, not routine maintenance. Ask your agent what is covered and be sure to read your policy to determine what's covered.
Home Insurance Policy Basics
As a package policy, home insurance covers both damage to your property and your liability on your property. Liability refers to your legal responsibility for any injuries and property damage you or members of your family cause to other people on your property —including damage caused by household pets.
Our Texas homeowner's insurance policies provide comprehensive coverage of your home. Some of our policy features include:
Dwelling coverage extends to structures on your property — such as garages, decks, sheds and swimming pools. The experts at G & H will make sure you know exactly what is included in your dwelling, so you'll know exactly what is covered in your policy.
You'll be covered for the loss of personal belongings — such as furniture, clothing, appliances or electronics — on your property. G & H can also provide a valuable articles endorsement to cover more expensive items that might not be fully covered in a standard homeowner's insurance policy.
Loss of Use
Your Texas homeowner's insurance policy will also cover any expenses you might incur for temporary housing and meals if you are forced to leave your home due to property damage.
If a guest is injured while visiting your home, or their personal property is damaged while on your premises, your homeowner's insurance policy will cover the costs. For additional coverage, G & H can recommend a personal umbrella insurance policy.
If any of your guests are injured while on your property, your homeowner's insurance policy will cover associated medical costs.
Things to consider and questions to ask your agent
Your agent can help determine which policy is best for your home. Here are few things to discuss with them:
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Because everyone's needs are different, it is best to consult with your agent to help assess your needs and find the insurance policy that is right for you. Give us a call at (877)868-8063 or (281)395-5497 to find out more information about obtaining a homeowners policy.