Home Insurance Options

Home insurance can be essential for financially protecting your property and assets from unexpected events. In Texas, standard home insurance policies typically cover damage from fire, theft and certain severe weather events. However, there are situations where additional coverage or separate policies may be beneficial.

Additional Homeowners Insurance Coverage Options:

Texas homeowners may want to consider the following coverage:

• Flood insurance—Flooding can be a significant risk in Texas due to the state’s diverse climate and geography. Standard home insurance policies do not cover flood damage, making flood insurance a crucial addition for many homeowners. Flood insurance is particularly important for those living in high-risk flood zones, but even homeowners outside these areas should consider it. Floods can occur anywhere, and the financial impact of flood damage can be devastating.

• Windstorm and hail insurance—Texas is also prone to severe weather events like hurricanes and hailstorms. While some home insurance policies include coverage for wind and hail damage, others may exclude it, especially in coastal areas. Homeowners in these regions should consider purchasing separate windstorm and hail insurance to cover potential damages.

• Additional living expenses coverage—In the event of significant damage to your home, additional living expenses coverage can be invaluable. This coverage pays for temporary housing, food and other costs if you need to live elsewhere while your home is being repaired. While additional living expenses coverage is often included in standard policies, it’s essential to help ensure the coverage limits are sufficient for your needs.

Learn More

Understanding the limitations of your home insurance policy and considering additional coverage options is crucial. Contact All-Integrity Insurance Agency LLC to discuss your insurance portfolio today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.