Homeowner's Insurance

Buying a home is the biggest financial investment many people will make. But protecting your home is about more than preventing a financial loss. Because a home is also a place where families grow, people come together, and memories are made. Homeowner’s insurance is the easiest way to safeguard your home and defend your investment, family, and memories from the unexpected.

What Homeowner’s Insurance Covers

Homeowner’s insurance protects your home from common risks such as fire, burglary, and vandalism. If the unexpected does occur, homeowner’s insurance can cover the costs of repairs for your home and other structures, such as garages, fences, sheds, or cottages on your property.

Your homeowner’s insurance also protects the things you value most, providing a strong defense for your personal property such as furniture, electronics, clothing, sporting goods, and other items which are important to you.

Homeowner’s insurance protects people, too. If your home needs extensive repairs after a fire or other covered loss, your coverage may cover living expenses for you and your family while your home is restored.

If a guest is injured while visiting your home, rest assured. Your homeowner’s insurance generally includes liability coverage to take care of third-party medical bills or a lawsuit resulting from an injured visitor.

Do You Need More Coverage for Your Home?

Most homeowner’s policies will cover damage caused by fires, smoke, windstorms, snow, hail, lightning, theft, vandalism, falling objects, aircrafts and vehicles. Additional protection against flood or earthquake damage, however, is commonly excluded in homeowner’s policies. Flood and earthquake insurance policies are available, and are often recommended additions to shore up your home defense so you won’t lose any sleep worrying about an uncovered loss.

Major policy types

The Insurance Place offers several of the most popular policy types in Texas, including: HO-A, HO-A+, HO-B, HO-2, HO-3, TDP-1, TDP-3, Vacant, Condo & Mobile Home.  

HO3
The HO3 is an all perils policy. It covers your home and personal property protecting against risks such as fire, wind, lightning, etc. This policy covers your home for its replacement value. Other coverages included in the homeowners policy are other structures, personal property, and loss of use of your home until it can reasonably be repaired. It also includes personal liability coverage and medical payments to others. There are several optional coverages available that your agent will discuss with you depending upon your needs.

Limitations, exclusions and conditions apply. Only a reading of the policy form itself can adequately describe what is covered and what is not.

HOB
The HOB is an all perils policy. It protects against most risks such as fire, wind, lightning, etc. Other coverages included in the homeowners policy are other structures, personal property, and loss of use of your home until it can reasonably be repaired. It also includes personal liability coverage and medical payments to others. There are several optional coverages available that your agent will discuss with you depending upon your needs.

This policy covers your home for its replacement value. Replacement cost loss settlement for personal property can be purchased.

Limitations, exclusions and conditions apply. Only a reading of the policy form itself can adequately describe what is covered and what is not.

Get a Homeowner's Insurance Quote Today

When you apply for your free homeowner’s insurance quotes from The Insurance Place, we go the extra mile to meet your needs…whatever they are! Whether you want to insure your home and its contents exclusively, or you have expensive collections you want to protect, The Insurance Place will meet your needs effectively.

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