Homeowners Insurance in Houston, TX
At Global Insurance Agency, we understand the risks homeowners face in Houston, TX. Our team is dedicated to helping you find the right homeowners insurance to financially safeguard your property and belongings.
What Does a Policy Cover?
A typical homeowners insurance policy can include the following:
- Dwelling coverage: This can cover the cost of repairing or rebuilding your home if it’s damaged by covered events such as fire, certain natural disasters, theft or vandalism.
- Personal property coverage: This covers your furniture, electronics and clothing if they are stolen or damaged by a covered risk.
- Personal liability coverage: This can help with the necessary expenses if someone is injured on your property or if you accidentally cause damage to someone else’s property.
- Additional living expenses coverage: This covers costs like hotel stays or meals if your home becomes uninhabitable due to a covered loss.
What Is the 80% Rule?
A key aspect of Texas home insurance is the 80% rule. This rule states that your home must be insured for at least 80% of its replacement value for you to receive full replacement cost for a claim. If your coverage falls below this threshold, you may only receive a partial payout after a loss.
Our team can help assess your home’s value and check if your policy meets this important requirement.
Why Choose Global Insurance Agency?
Our agents will work closely with you to:
- Review your property and coverage needs
- Explain policy options
- Make sure your policy complies with Texas regulations, including the 80% rule
- Provide ongoing support as your needs change
Contact our team today to discuss your options or request a personalized quote.