Homeowners Insurance Quote Form
Texas Homeowners Insurance Information
Because everyone’s needs are not the same, it is best to consult your agent to help assess your needs and find the Texas homeowners insurance policy that is right for you.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.
- If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.
Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Texas Homeowners Insurance Policies Protect You
Let’s say you’re a Texas homeowner and your home is hit by a severe storm with strong winds and heavy rain. The storm causes significant damage to your roof and a few of your windows, and your backyard fence is completely destroyed. In addition, some of your personal belongings, like electronics and furniture, are damaged by water.
If you have a homeowners insurance policy from Schuder Insurance, you can file a claim and receive financial assistance to repair or replace the damaged parts of your home and belongings. Your insurance policy may also cover any additional expenses you incur, such as temporary housing or meals, while your home is being repaired.
Without homeowners insurance, you would have to bear the full cost of repairing or replacing your damaged property, which could be a significant financial burden. That’s why it’s essential for Texas homeowners to have a comprehensive insurance policy in place, to protect themselves and their homes from unexpected events like severe weather.
Comprehensive Home Coverage
Looking for comprehensive and reliable insurance coverage for your Texas home? Look no further than Schuder Insurance! As a trusted provider of homeowners insurance in the Lone Star State, Schuder Insurance understands the unique risks and challenges that Texas homeowners face.
From severe weather events to property damage and liability claims, Texas homeowners need insurance coverage that is tailored to their specific needs. With Schuder Insurance, you can rest easy knowing that you and your home are protected from a wide range of risks.
Don’t leave your home and family’s financial security to chance. Get the Texas homeowners insurance coverage you need from Schuder Insurance today. Contact us to learn more about our insurance options and get a quote.