Home Insurance in Texas

Homeowners insurance helps you restore your home and life after you've gone through an event that has affected your home and your ability to live within the structure. It also covers losses from theft, damage, or destruction. At AAIGOT Insurance Agency Inc. in Houston, TX, we are here to help you understand why a homeowner's insurance policy is important, the reasons why you need a policy, and the peace of mind that comes with knowing you're protected against financial injury if something happens to your home. Here's a look at homeowners' insurance for Texas homeowners.

Home Insurance Requirements for Texas Homeowners

The state of Texas does not have laws requiring homeowners to carry an insurance policy for their dwellings. However, if the house is mortgaged, the financial institution that holds the mortgage will require you to have an insurance policy. In the event your home is paid off and does not have a mortgage, you can decide whether to have a homeowner's insurance policy or not. It is highly advisable to have homeowner’s insurance as repairing or replacing a home and its contents are an expensive proposition.

Coverage Provided by Homeowners Insurance

Most homeowner's insurance policies have different types of coverage. Homeowners policies for Texas residents typically provide coverage for:

• Dwelling or main place of residence
• Personal property
• Non-attached structures
• Loss of use
• Personal liability
• Medical bills

If anything happens to your home, belongings, structures on your property, or if a guest is injured while visiting, homeowner’s insurance will cover the costs. You'll also get financial coverage for medical bills and costs of living elsewhere while your home is being repaired or rebuilt.

Call Us Today for More Information About Homeowners Insurance

Give us a call today or go online to use our online rating tool to get a free quote for coverage. At AAIGOT Insurance Agency Inc. in Houston, TX, it's our pleasure to help you find the right amount of coverage to protect your home and belongings.