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Texas Home Insurance

Texas home insurance provides the necessary property damage protection for you home with the most basic policy. There are several different policies to choose from, but only two popular ones for single family homes. The basic policy, called the HO-2 policy, provides coverage for damages caused by fire, smoke, vehicle damage, aircraft damage, water overflow from water heaters and air conditioners, theft, vandalism, explosions, and damages caused by riots. The broad HO-2 policy offers coverage for these perils and then some, as well as bodily injury liability. If you or anyone has an accident on your property, this coverage would pay medical expenses up to a certain amount and take care of settlements.

Texas Home Insurance Rates

Texas home insurance rates rise due to disasters, but the real increase comes from frequent storm damages. In Texas, with the varied geography, many perils can occur that drive the rates up, including thunderstorms, hailstorms, high winds, heat, tornados, and hurricanes. If you live in an area that might flood, you must purchase additional flood insurance, as Texas home insurance does not cover flood damages. To see a list of what will not be covered, review the “exclusions” section of your Texas homeowners insurance.

Saving Money

Many Texas homeowners find their premiums to be too high. The majority of insurance companies offer discounts when you make some basic improvements to your home. For instance, homeowners can receive discounts from installing storm shutters, reinforcing a roof, using higher grade shingles, and installing an alarm system. If you want to decrease your home owners insurance by a few hundred dollars, you may consider increasing your deductible. As most prudent homeowners know, shop around before buying your Texas home insurance.

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