Home Insurance in Texas
For many residents in Texas, the home is the most significant financial investment. That is why securing it with home insurance is always a priority. Without adequate protection, your home is vulnerable to burglaries, fires, and other disasters. Home insurance helps you pay for the vast expenses when accidents happen, like replacing or repairing your household items after a fire. So, if you are looking to buy home insurance in the DFW area, our insurance experts at Planners Insurance Group in Ft. Worth, TX is here to help. Let’s discuss a little more about home insurance.
What is home insurance?
A home insurance policy is a residential coverage that protects the interiors and exteriors of your home. In the event of an accident, your insurance company will assess the damage and determine what needs to be replaced and what needs to be repaired. Stolen items can be replaced while broken kitchen cabinets can be fixed.
Who is covered in your policy?
While home insurance aims to protect your Texas home and your household possessions, it also protects your family and loved ones living in that house--including pets. If you have dependents under the age of 18 or seniors above the age of 6, they are fully covered under your home insurance policy. For instance, if your 16-year-old son gets involved in a fight with a neighbor, your home insurance policy may help pay for the injuries or lawsuits that may result after the incident. Similarly, if your dog bites your friend’s child who came to visit you, your home insurance policy helps pay for the medical bills.
What is covered
Apart from family members, home insurance typically includes the following:
- The dwelling
- Other structures
- Personal injury liability
- Personal property liability
- Loss of use
It is also essential to understand that certain items are not covered, such as jewelry and fine arts, but if they are not costly, they can be subjected to coverage limits.
Are you looking to buy home insurance in the DFW area? Look no further—Planners Insurance Group in Ft. Worth, TX has everything you need to get your home covered. Try us today!