Home Owner's Insurance - GraphicHomeowner's Insurance 
  • We welcome first time home buyers and their questions! Tips for First Time Home Buyers
  • Need Hazard Insurance for your mortgage requirement? - We can get your covered.
  • Does your new house need some work? We can find insurance for nearly any house even if it needs some repairs.
  • Local friendly service for over 30 years in Central Texas.
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Need Insurance help now? - Call 512-444-3366Why risk it?Let us guide you to the best fit for your Home Insurance protection.  Buy the insurance coverage you want at a competitive price from an Austin based insurance agency. Professional service makes a difference!
 
To obtain a customized Homeowner's Insurance quote:
 
Home Insurance - Request a Quote    Quick Contact link - Quote Austin Insurance    
 


RecHome Owner's Insurance graphic - Busted Water Line Damageent example - Our client was away for four hours and had a kitchen supply line burst. Total damage $17,502.06 including contents, damage to house and motel stay.

Unexpected & Unplanned risks of being a Homeowner:
  • An accidental cooking fire damages your kitchen
  • Your dog gets loose and bites a neighbor
  • A tornado drops a large tree into your living room,
    breaking your roof framing, plus destroying your
    plasma TV and living room furniture. Your family
    must relocate for a month
  • A hailstorm plummets your roof which requires
    complete re-roofing
  • A kitchen sink waterline bursts and floods your
    house 


 
Homeowner's Insurance - What it Does! Homeowner's Insurance protects your house & possessions from loss by theft, fire, lightning, tornado and other perils. Mortgage bankers call this protection "Hazard Insurance." Homeowner's Insurance also provides financial compensation to help after an insured loss if you are displaced from your residence. Homeowner's Insurance additionally includes Personal Liability protection from lawsuits caused by accidental damage or injury that you, your family members or your pets cause.
 
PROPERTY COVERAGES
 
House - Provides protection up to your limit for damage or destruction of your house. If you have a mortgage, is also referred to as "Hazard Insurance" and is the part of your homeowner's policy required by your bank loan. Perils include: Fire, Tornado, Lightning, Vandalism among others. Insurance protection can be based on either "Actual Cash Value" or " Replacement Cost" as a basis of settlement.

House Insurance example: Electrical Fire - $272,710.84

House Insurance example: Electrical Fire - $272,710.84

Electrical Fire - $272,710.84 - House Being Rebuilt - Insurance at Work!

Electrical Fire - $272,710.84

House being rebuilt.
Insurance at work!


Secondary Structures
- Provides protection for sheds, detached garages and other buildings on your homesite. Perils include: Fire, Tornado, Lightning, Vandalism among others.  Generally limited to 10% of your main house limit, but can be increased, if needed.
 
Contents - Provides protection for your clothes, appliances, furniture and other possessions at your residence. Perils include: Fire, Tornado, Burglary, Lightning, Vandalism among others.  Generally limited to 40% to 60% of your main house limit, but can be increased, if needed.
 
Off-Premise Contents - Worldwide protection of your personal property away from your residence. Generally limited to 10% of your Contents coverage. An example would be a theft from your motel room while you are on vacation.
 
LOSS OF USE COVERAGES
 
Loss of Use / Living Expenses - Pays for additional expenses you incur if you are displaced after an insured event (example: house fire) because your residency is not habitable. Generally limited to 10% to 20% of your dwelling coverage.
 
LIABILITY COVERAGES
 Homeowner's Insurance - Graphic - Liability
Personal Liability - Protects you from lawsuits caused by accidental property damage or injury caused by you, your family members and acts of your pets. An example would be your dog getting loose and biting a neighbor's child.
 
Guest Medical - Provides for medical payments for other people injured at your residence. Generally limited to $1000. An example would be a visiting friend slips on your entry rug and breaks an arm incurring a $500 emergency room bill.
 

 
Some Coverage Limitations:
Please see your policy for important details, but here's several coverage limitations that should get your attention:
 
Business Contents - If you have a home based business or bring equipment home from work, be sure to discuss this with your insurance person. Generally, business equipment is limited to $2500 at your residence (none away from home) but can often be increased.
 
Theft of Jewelry (plus furs and watches) - Most homeowner's insurance policies have a limit on theft of jewelry, watches and furs - often only $500. If you require more protection, be sure to discuss this with your insurance person, as a higher limit may be available for a small added cost.
 
Property Deductible - Be sure to ask what your deductible is. Generally, homeowner's insurance has a 1% deductible. That's 1% of your total dwelling limit (i.e., a 1% deductible of $150,000 total limit would be $1500). Some companies also offer other deductible choices. In the event of a property loss, your compensation for property damaged would begin after the loss exceed your deductible.

 
Wildfires information linkWildfires! - The Austin area, particularly the western fringe, has a high risk of brush and grass fires. Read more about Central Texas's wildfire risk and what you can do to protect your house and property.
 
  

Identity Theft IconIdentity Theft  information linkIdentity Theft - Identity Theft protection is often available as an option on home insurance. Read more about this crime and how you can prevent becoming a victim.
  
 
 


Why risk it? - Let us guide you to the best fit for your Home Insurance protection.  Buy the insurance coverage you want at a competitive price from an Austin based insurance agency. Professional service makes a difference!
 
To obtain a customized Homeowner's Insurance quote:
 
Home Insurance - Request a Quote    Quick Contact link - Quote Austin Insurance    


Discounts!
 Homeowners Insurance - Discounts - Grahic
 You may qualify for: 
  •    Monitored Burglar Alarm - 10% off
  •    Quality Roof Discount - 4% off
  •    New Home Discount - up to 10% off
  •    Combo Discounts
       Auto and Home Insurance - 10% off both policies
       |  Life and Home Insurance - 5% off home policy