Home Insurance
Do you live in Texas and own a home? If so, you already know that, as a homeowner, you can expect to face various daily challenges, such as thunderstorms, tornadoes, hail, and much more. These things can cause damage to your property and flooding within your home. We offer insurance to protect your home here at Quincy Bertrand Agency.
Home Insurance Requirements
Home insurance is not required in the state of Texas. However, your lender may require you to obtain insurance, especially if your home is in a high-risk zone for flooding, etc.
Home Insurance Coverage Options
Home insurance is available in various coverage options, including:
- Personal property coverage- This insurance will cover your personal items, such as anything you may be using inside your home. Furniture, clothing, and electronics are included in this coverage.
- Additional living expenses- If your home sustains damage but becomes uninhabitable, this coverage will cover you while repairs are being made to your home. This will allow you to return to living your life as soon as possible.
- Dwelling- This will cover damage that has been done to your property and any physical structures attached to your home.
You can also choose from any of the following insurance coverage options to keep your home safe, including:
- Hurricane damage
- Wind/Hail
Remember that homeowner’s insurance typically doesn’t cover flood insurance caused by floods like flash floods. You can always obtain this separately for additional protection.
It is also recommended that you choose personal property replacement cost. If your items are damaged or lost in a covered loss such as a wildfire or theft, this will take care of replacing your items.
Quotes
If you reside in Texas and need a home insurance quote, give us a call here at Quincy Bertrand Agency.
