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Home Insurance |
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Homeowners
- For most of us, our home is the single, largest
investment we will make. Homeowners insurance provides coverages
for damage to your home and other structures on your property
such as a shed or detached garage.
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Renters
- Apartment and Townhome renters insurance provides
coverage for your household contents and personal belongings.
You may think your couch, coffee table, sweaters, shoes, coats,
TV, VCR and CD player aren't worth a lot but those items all
add up..
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Town
Homes - For townhouse owners, your townhouse and
separate structures are covered for almost any type of damages
except for a few common exclusions, such as wear and tear,
earth movement, flood, nuclear hazard and earthquake.
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Condominiums
- For Condominium owners, you are covered for accidental
damage to improvements you make in your unit for which your
association's policy does not provide coverage, subject to
your condo insurance policy limits. Condominium insurance
provides coverage for your household contents and personal
belongings.
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Dwelling
– Dwelling fire policy are available to cover
the structure and no content. This policy is usually reserved
for investment properties.
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Flood
– Everyone lives in a flood zone. The Preferred
Risk Policy is available for just over $100 a year. You can
buy up to $250,000 of coverage for your home and $60,000 of
coverage for your contents. There is usually a 30-day waiting
period before the coverage goes into effect so plan ahead. |
Windstorm
– Available to home written in first tier counties
(i.e. Galveston, Brazoria); provides coverage form windstorms
and hail storms.
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Homewarranty
– Our home warranty product is written through
American Home Shield (AHS). Coverage is available for both
the home seller and buyer. The Basic Plan is affordable and
covers many of the systems and appliances that are most important
to you. This is an important coverage option since homeowners
insurance does not cover mechanical breakdown or appliances.
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Mobile
Home – Coverage written through Foremost Lloyds,
the #1 mobile home insurance carrier in the nation. |
| What
Homeowners Policies Do not Cover - Flooding, Earthquakes, Termites,
Insects, Rats, Mice, Wear and tear or maintenance, wind and
hail damager to trees and shrubs |
| Factors
that Affect Your Premium - Age and condition of your home, your
homes replacement cost, construction materials used to build
your home, credit score, claims history, availability of local
fire protection, your home proximity to the coast (gulf) |
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