Home Insurance for Your House, Condo or Apartment

Our independent agents have the knowledge required to customize home insurance policies to cover all varieties of homes, including:

  • Bay homes
  • Second homes
  • Seasonal homes
  • Vacation homes in other states

These policies not only take into account the existing value of your home, but also what it would cost you to replace your home should it be damaged from a wildfire, hurricane or other natural disaster.

Explaining Your Homeowners Insurance Policy

Understanding all aspects of your homeowners insurance policy can be overwhelming. At Texas Insurance & Financial Services, Inc., our goal is to make the process as easy as possible.

Typically, homeowners insurance policies have different categories. The definitions of the property and the extent of coverage vary by state, company and product. So it is important to understand the definitions of the covered property. The categories for your home include:

  • Dwelling: This insurance covers the structure, built-in appliances and wall-to-wall carpet of your home.
  • Personal Property: Personal property is the contents of your home, including furniture, appliances and clothing. Not all personal property is covered. Items more appropriately covered under different forms of insurance may have limited or no coverage for loss. These items include, but are not limited to, money, jewelry and firearms.
  • Liability: As a homeowner, you can be held financially responsible for injuries that may occur on your property. Liability insurance protects you against certain risks bodily injury or property damage.
  • Temporary Housing: When a loss occurs due to a covered peril and the dwelling becomes uninhabitable, the cost of additional living expenses is covered.

In addition to homeowners and renters policies, we also offer additional coverage through scheduled personal property insurance and umbrella policies. Having this extra coverage is the best way to get back on your feet and back in your home if tragedy strikes.

Contact Texas Insurance & Financial Services, Inc. to Discuss Your Homeowners Insurance Needs

Because we are licensed in more than 40 states, we can assist clients located throughout the country. Reach out to our insurance protection team today by contacting us online or calling 800-541-9849 to request your free insurance review and free quote.