Home Insurance Quotes in Texas
Types of Property Insurance
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Great discounts to help you cut down on your monthly premium by finding cheap home insurance discounts as multi-policy discount, fire alarm, sprinkler system.
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Owning or Renting a House?
Home Insurance pays to repair or replace your house and personal property if they’re damaged or destroyed by an event covered by your policy.
Renting or Owning a Condo?
Renters are encouraged to get a HO-4 policy to cover any damaged or stolen personal belongings, as most plans held by landlords won't cover.
Do You Live in Mobile Home?
HO-7 insurance is similar as a HO-3 policy but is only for mobile homes. The term mobile home does not only encompass trailers but also tiny homes.
Types of Homeowners Coverage
Homeowners policies combine several types of coverage into one policy. Most homeowners policies in Texas include these six coverages:
Dwelling coverage pays if your house is damaged or destroyed by something your policy covers.
Personal property coverage pays if your furniture, clothing, and other things you own are stolen, damaged, or destroyed.
Other structures coverage pays to repair structures on your property that aren’t attached to your house. This includes detached garages, storage sheds, and fences.
Loss of use coverage pays your additional living expenses if you have to move while your house is being repaired. Additional living expenses include rent, food, and other costs you wouldn’t have if you were still in your home.
Personal liability coverage pays medical bills, lost wages, and other costs for people that you’re legally responsible for injuring. It also pays if you’re responsible for damaging someone else’s property. It also pays your court costs if you’re sued because of an accident.
Medical payments coverage pays the medical bills of people hurt on your property. It also pays for some injuries that happen away from your home – if your dog bites someone at the park, for instance.
Types of Homeowners Insurance Policies
There are eight different types of homeowners insurance, each with their own specific coverage types.
Most Policies Cover Damages from:
- Fire and lightning
- Sudden and accidental release of water or smoke
- Vandalism, malicious mischief, riot, and civil commotion
- Windstorm, hurricane, and hail (but not if you live on the Gulf Coast)
Most Policies Don’t Cover Damages from:
- Flooding (you can purchase as aditional coverage).
- A continuous water leak; policies also won’t cover mold removal, except to repair damage caused by a covered risk
- Termites, insects, rats, or mice
- Losses that occur if your house is vacant for the number of days specified by your policy
- Wear and tear
- Earthquakes or earth movement
- Wind or hail to trees and shrubs
Homeowners policies don’t cover damage caused by floods. To protect yourself from losses caused by flooding, buy a flood insurance policy.
What Determines the Price of a Home Insurance Policy?
Insurers use a process called underwriting to decide how much to charge you. The main factors that determine the premiums charged for property insurance are - your home’s age and condition, your home’s replacement cost, your claims history, location of your property, construction materials, your credit score.
How Can I Find Cheap Home Insurance?
The best way to find cheap home insurance in Texas is to compare auto policy offerings and discounts after getting cheap home insurance quotes. There are several ways that you can get discounts on your house insurance. Great discount to help you cut down on your monthly premium is multi-policy discount.
Great Discounts to Help You Save on Home Insurance
Car insurance can be expensive, but there are ways you can cut down on your monthly premium by finding cheap home insurance discounts. The following home insurance discounts may be available to you - security alarm, fire alarm with sprinkler system, home in good condition, a newer home, auto insurance policy with the same insurance company, an impact-resistant roof, no claims for three years in a row.
You will need to start an online quote to find out which insurer offers the best home insurance discounts. It is a fast and easy 4 minutes free quote. Insurance Direct partnered with the top insurers. Let us compare and shop around for you, so you can save time and money.
We are an independent auto, home and small business insurance agency in Texas, and we work with many different insurers to make sure you get the best coverage and price available. Our team of skilled and licensed agents work very hard with you to create a customized policies that best fit the needs and budgets of our customers.
Our expert agents look forward to helping you find the most affordable Texas home insurance quotes! Insurance Direct helps Dallas residents to find affordable prices, even if they need a custom coverage for their homes, renters, condo or mobile home.