Buying Homeowners Insurance

There are many variations of homeowners policies available for consumers. Companys policies may be different from state to state. There are different types of property to insure and customers have differing needs. This means there is no single insurance policy type that is always the best. I suggest that you take a little time to discover what is available, what your coverage options are, and to shop for a good policy with a favorable cost.

A primary part of your homeowners policy is for the homes structure. It would often cost more to rebuild the home than what the homes appraised value is. I suggest getting a policy with a coverage amount of the rebuild cost, or the appraised value, whichever is higher. Most insurance companies have software that can calculate the rebuilt estimated amount. Next you should make sure the policy has sufficient coverage for any other structures such as a detached garage, storage shed, swimming pool, etc...

There will be a separate limit listed on your policy for personal property. Make sure the limit is enough for what you own. Your agent should also explain how a loss would be paid. The best coverage is where your property would be covered for what it will cost to purchase new goods of equal quality. Some types of personal property have sub limits. For example you may have a personal property limit of $75,000 with a sub limit of $1,000 for computers. If the sub limit is too low you may be able to increase that sub limit at additional cost. Other sub limit examples could be guns, jewelry, currency, paintings, etc...

The personal liability portion of your policy protects you from loss for injuries to others. For example if a guest slips and falls on a wet floor or your pet bites someone. Your agent should explain exactly what is covered and what your limit options are. Typically you might get $300,000 in coverage with the option to increase to $500,000 at a small additional cost.

There are other elements to a policy. I suggest taking some time to compare policies from a couple different companies. Your state insurance regulatory department may have information to help you shop. The least expensive plan may not be the best buy! Make sure your coverage meets your needs and that your agent carefully explains the details. In many cases you will save by getting your auto and homeowners insurance from the same company. You can usually save on the premium by going with a higher deductible. Ask your agent to give you information on the cost with different deductibles. Note that your mortgage lender may have rules about the coverage and deductible for your policy.

I am a Farmers insurance agent in Houston, please call my office at 281-537-2700 for any questions about Texas homeowners insurance.

Lamb Insurance Agency (Farmers Insurance), Auto, Home, Life, and Business Insurance for Texas - http://Insurance-For-Texas.com/ Houston Homeowners Insurance - http://houston-homeowners-insurance.com/ Houston Business Insurance - http://business-insurance-houston.com/

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