The experienced and knowledgeable home insurance agents at Ross Insurance Group LLC, serving the Horseshoe Bay, TX area, realize that the most significant investment you may make in your lifetime is purchasing your home. For this reason, they know you will do anything you can to protect it, and the easiest and most secure way to protect your home is to have a proper home insurance policy in place.
Is Home Insurance Required in Texas?
The short answer is no. Home insurance is not required in the state of Texas but can be required by your mortgage company.
What Does Home Insurance Cover?
We never know when disaster will strike, so you must have a basic home insurance policy. This type of policy will cover the structure of your house if it is damaged or destroyed by some natural disaster, a fire, or an act of vandalism. This type of policy will also cover your personal belongings and other items inside your home, such as your electronics, clothing, appliances, and furniture that you have bought and paid for. However, it is a good idea to add other structures on your property to be covered, such as porches, garages, sheds, decks, and privacy fences.
A home insurance policy is basically designed to help you replace or repair your home in the event that one of these horrible situations occurs. It will also help if a guest at your home falls and injures themselves or becomes injured in some other way while on your property. Your home insurance policy will help pay their medical bills and other expenses associated with the incident in which they were injured. This is excellent coverage because it provides you with peace of mind and knowing that you can avoid a lawsuit by covering something like this if it happens.
Most home insurance policies do not include earthquakes or floods, but you can have your home insurance agent add these policies as addendums to your main policies.
Contact Ross Insurance Group LLC
To create a home insurance policy that is best for you and your family, contact the experienced and trustworthy home insurance agents at the Ross Insurance Group LLC serving the Horseshoe Bay, TX area today!
