Texas Homeowners with Home Insurance Coverage

Home Insurance

Home Insurance

Texas Home Insurance Policies

Unlike auto insurance, no Texas law requires you to purchase home insurance; however, your mortgage company can, and likely will, require home insurance with minimum coverage limits. Even once you own your home, insuring your dwelling buys a lot of peace of mind. Typical policies cover a lot more than just the destruction of your home. Coverage areas from Addax Insurance may include:

  • Dwelling coverage to pay out if your house is damaged or destroyed during a covered incident.
  • Personal property coverage can protect you from losses to furniture, clothing or appliance, and will usually include theft coverage.
  • Additional Structures, like a garage, are as easily damaged as your home. This coverage will help repair or rebuild any other buildings on your property.
  • Loss of use can be particularly important when making a claim. Without loss of use coverage, you can wind up paying both your mortgage and rent on an alternate living space while your home is being repaired.
  • Personal liability coverage can help if you are the defendant in a lawsuit surrounding an injury or property damage claim.
  • Medical coverage can help offset the cost of treatment for anyone injured on your property.

Types of Policies

Insurance in Texas comes in two basic forms: All-risk or named perils policies. With an all-risk policy, you get broad-spectrum protection against any losses except those specifically excluded from your coverage named perils policies that only cover losses. Flood, earthquake, and wind and hail damage are all commonly excluded from homeowners insurance, though you may be able to get a rider to cover them if you pay an extra premium. Policy limits will lay out the maximum value of a claim, and high-value personal property like jewelry or art may not be included without additional documentation.

At Addax Insurance, we offer a range of home insurance options to fit your needs and budget. Use our online rating tool to get a quote, or contact an agent to discuss your needs. We are ready to walk you through the process and answer your questions.

What’s Important when choosing a homeowner insurance policy?

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