Homeowners Insurance in Houston Texas

home insuranceWe have been offering affordable homeowners insurance in Houston, Texas since 1988. We offer you the highest quality yet low cost affordable Houston Home Insurance
that will meet your requirements. For a free home insurance quote just click on Homeowners Quote Form above or call our office. We do offer affordable low cost home insurance for all Texas residents. You can choose homeowners insurance offers from many well known insurance companies.

Your home is probably your most valuable asset,
both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. We do represent major insurance companies life Geovera, Lexington insurance, National Lloyds, Homesite, Wellington Insurance and others. Coverage availability and prices may vary by company. We do service all the State of Texas, we are based in Houston, Texas but we service Sugarland, Richmond, Missouri City, Katy, Kingwood, Cypress, Pasadena, Pearland, Galveston, Woodlands, Conroe and many other Texas cities. Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

Homeowners insurance is a package policy
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Flood insurance in not included in your homeowners policy, it has to be purchased separately.

Damage caused by most disasters is covered but there are exceptions
The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility. We also offer Flood Insurance in Houston Texas, Windstorm Insurance, Condo Insurance in Houston Texas, Landlords insurance, Investment property Insurance, Renters Insurance and Home warranty for your electrical, plumbing and appliances in Houston Texas and surrounding cities.

Homeowner's policies offer liability, building, and personal property coverage

For losses due to many perils, including fire, theft, wind, and lightning. We can tailor a package policy to meet your needs through different home markets and best rated companies. We offer all kinds of policies that range from the most comprehensive- HO3 Policy, to the limited dwelling only policy-TDP1, a more restricted policy , Call our representative for details.  
  • HOB/HO-3 (Added & Broad Coverages w/ water damage & replacement cost)
  • HOA+ (limited coverages w/ water damage & replacement cost)
  • HOA (limited coverage w/ market value )
  • TDP1 & 3 (Dwelling only coverages mostly used for rental homes)

Why do you need homeowners insurance in Houston Texas?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Up to 35% in Discounts for your Homeowners Policy

  • Auto-Home-Life Discount
  • Having a burglar alarm
  • Having a newer home less than 10 yrs old 
  • Being claim free in the past 5 yrs
  • Over age 50 yrs old
  • Construction Type Discount
  • High Deductible Discount
  • Dwelling Only Rate 
  • Auto-Home Discount-Insuring your vehicles with the same company

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

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