Home Owners Insurance

Houston, TX Home Owners Insurance Coverage & Broker Services

Homeowners insurance provides financial protection in the event that your home or its contents are damaged. It also provides protection if you or a family member are held liable for the injuries to others or damage to their property.

There are different types of insurance policies that cover your home. They range from a basic policy, to those that will provide more broad protection.

Talk with us and we'll find a range of policies and companies to choose from that fit your budget and comfort level.

Most homeowners insurance policies will cover damage caused by such perils as fire, windstorms, hail, lightning, theft or vandalism. There are other homeowners policies that cover additional perils as well. Typically, floods and earthquakes are excluded. It's important to talk to your agent to learn what your policy may and may not cover. And for those perils that are not covered, there may be supplemental insurance you can purchase.

What most standard homeowners policies provide

Dwelling coverage

Pays to repair or rebuild your home - including electrical wiring, plumbing, and heating and air conditioning - if damaged by a covered cause of loss. It's important to buy enough dwelling coverage to cover the cost to rebuild. Learn more about cost to rebuild.

Other structures coverage

Pays for damages to detached structures like garages, sheds, fences and cottages on your property.

Personal property coverage

Reimburses you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics. Learn more about Travelers Personal Property insurance.

Loss of use coverage

Pays your additional housing and living expenses if you must move out of your home temporarily while it's being restored. Learn more about Travelers Loss of Use insurance.

Liability insurance

Helps protect your assets and cover your defense costs in the event of a lawsuit because you or your family members are responsible for causing injuries or damage to other people or their property. Learn more about Travelers Liability insurance.

Actual Cash Value (ACV), vs Replacement Cost

Homeowners insurance policies offer actual cash value or replacement cost coverage to replace your damaged, stolen, or destroyed personal property.

  • Replacement cost is what you would pay for the item at today’s cost.
  • Actual cash value is what you would pay for a similar item at today’s cost minus depreciation (replacement cost minus depreciation).
  • Depreciation is a decrease in value due to wear and tear or age.

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There are a number of additional coverages you can add on to your homeowners policy to help you meet your insurance needs.

Special coverage for contents

Provides broader protection for your possessions; your personal property is covered in more situations than the basic policy.

Contents replacement cost coverage

Pays the replacement value on property damaged by a covered loss - with no deduction for depreciation - subject to your policy limits and deductibles. Special limits apply to certain items such as jewelry, watches and furs.

Additional replacement cost coverage

If the limit of insurance on your home is too low to cover a total loss, this coverage makes available an additional amount to help rebuild your home.

Valuable Items

Provides higher limits and expanded protection for special classes of property such as jewelry, silverware, fine art, furs, cameras, musical instruments, and home computers.

Personal articles floater

Should you need even higher amounts of coverage than that offered by the Valuable Items Plus endorsement, this separate valuable items policy is also available.

Coverage for water back-up

Provides coverage up to a specific dollar amount if water backs up through your sewer or drain, or if water overflows or is discharged from your sump pump.

Identity fraud coverage

Provides up to $25,000 to help cover costs to restore your identity if it's used fraudulently.

Green home coverage

Additional protection to an existing policy that will help repair, replace or rebuild with green materials, after a covered loss occurs

We can help you get the right coverage right away.
Call us at 713-568-2465 or use the form below.