Every homeowner needs insurance for their home, but the policy that you choose should fit your individual needs. Let’s take a look at some of the options available to you.
Here are some of the basic coverages to begin with:
Property Damage
This coverage will help protect your structures and personal property. It can include protection against damage to structures that are not attached to your house, such as a shed or gazebo. This will also cover your possessions such as clothing, furniture, sports equipment, and other unattached personal items. We can help as you choose the coverage needed to protect your belongings. You may want to purchase a floater to cover any extra valuable possessions that your basic insurance won’t cover.
Liability
This portion of your policy protects you, your family, and even your pet from any damage done to someone else. Should you face any court costs from claims, this will pay for your defence as well as any damage or medical costs that the court orders you to pay.
Additional Living Expenses
If your home is damaged enough to require repairs, this coverage will pay for your motel stay while you wait on the reconstruction to be finalized.
If you own a home in Texas, you will want to be aware of some extra coverages you may need. Texas is the second most wildfire prone state. You may also face hail, tornadoes, hurricanes, flooding, and high winds. These are all things that you should discuss with your agent as you decide on the right coverage for your home.
At She Will Insurance, we have friendly agents who are ready to go over all the options available to you. Give us a call today to be sure that your home has the protection it needs.
