Personal insurance
Every home and policy is different. Share the kind of property you want to discuss and its Texas location so the team can help you take the next step.
Understanding your options
Home insurance can combine protection for a dwelling, personal belongings and liability, subject to the policy. When comparing options, distinguish the cost to rebuild the home from its market price and examine which causes of damage are covered.
Coverage, eligibility, limits and exclusions depend on the insurer and policy. Review the actual policy documents before making a decision.
A closer look
A homeowners policy may include separate limits for the dwelling, other structures, personal belongings, liability and additional living expenses. Compare each limit with the property and household. Coverage applies to the causes of loss and conditions described in the policy; it is not a maintenance plan.
Ask whether roof damage is settled at replacement cost or actual cash value and whether a different wind or hail deductible applies. Sudden water damage, repeated seepage and flooding may be treated differently. Most home policies do not cover flood; review the exclusions and ask about separate options.
Location, construction, age, roof condition, occupancy and coverage choices can affect an insurer’s assessment. Prepare the property details and a general inventory of belongings, then compare limits and deductibles across quotes. Confirm the proposed effective date before relying on coverage.
Before you reach out
Common questions
A limit is the most a coverage will pay under its terms. A deductible is the portion of a covered loss you pay; it may be a dollar amount or a percentage. Ask the insurer to show the dollar amount of any percentage deductible.
Read the declarations, covered causes of loss, exclusions and endorsements. Compare dwelling and contents limits, roof valuation, wind and hail deductibles, liability and conditions for additional living expenses.
Replacement cost generally uses the cost to repair or replace covered property under the policy’s terms. Actual cash value generally subtracts depreciation for age and wear. Limits, deductibles and any requirements to complete repairs still matter.
Most homeowners policies do not cover flood damage. Flood protection may require a separate policy or other specific coverage. Ask how flood is defined and review any waiting period, limits and exclusions.
Insurers may consider the property’s location, construction, age, roof, occupancy, claims history and the coverages and deductibles requested. A quote depends on the insurer’s assessment; it is not a promise of acceptance or coverage.
Start a conversation
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