Home Insurance in Houston Texas

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Home Insurance in Houston Texas

What would happen if a disaster struck your home tomorrow? Do you have home insurance? Even if you do, are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?

These questions are crucial to address because major insurance carriers hold on new clients after a disaster strikes. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:

  • Your representative took the time to make sure you have the right protection
  • Your insurance carrier has your back

High-Value Homeowner’s Insurance

High value home insurance is available to most every homeowner that is concerned about covered replacement values. Typically, homes that are worth upwards of $1,000,000 should consider this insurance.

Even with a typical homeowners insurance policy, there's a great risk you may not be able to replace your beautiful home if disaster strikes. Why? Your home's market value is probably higher than what your current policy will cover.

High value home insurance closes the gap between regular home insurance replacement cost and your home's actual value, allowing you to rebuild what you've lost.

The more your house is worth, the greater the difference will be between what your current policy may pay and what your precious home will cost to replace.

You'll be surprised how affordable it is to cover your whole house with a high value home policy.

You may feel satisfied that your homeowner's policy will protect you in case of a disaster but have you read the actual amount you will be compensated? Typically, the coverage is capped in two ways you may not realize: a maximum per-square-foot value and an overall maximum.

What is Home Insurance for?

Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.

Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

You could also potentially need insurance to protect you from having to pay for:

  • Storm damage, fire, windstorm, lightning, and hail
  • Dog bite liability
  • Manufactured home coverage
  • Trampoline or swimming pool liability insurance
  • Wind damage
  • Sinkholes
  • Flood damage
  • Sewer or septic backups
  • Replacement cost for personal property
  • Umbrella liability insurance

When you see an independent insurance agent like us you have the chance to explore all your options for insurance, and protect the things that are most important to you.

<strong>Little Known Facts About Home Insurance&#160;</strong>

Little Known Facts About Home Insurance 

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

  • Most policies will not cover sewer backup, unless you purchase a special endorsement
  • Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
  • A standard homeowners policy typically does not include Flood Insurance
  • A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policy
  • Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only
  • be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
  • IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.

Who Needs to Insure Their Homes?

  • Frame houses
  • CBS homes (Concrete Block Structure)
  • Manufactured homes
  • Mobile homes on acreage
  • Condos
  • Townhouses
  • Secondary homes
  • Homes you rent to others
  • Seasonal resident homes

Get a Free Home Insurance Quote

Whether you are blindsided by a storm or a lawsuit, thinking afterward about what you should have done before the event is for the reckless. The responsible know better. Remember, we are all just one card shuffle away from the devastation of having to start over.

At Pasadena Insurance Agency, Inc. we have protected the citizens of Houston since 1936. We are friends with people here. We know home insurance. We also understand that what would take you 100 years to pay on an annual homeowners insurance policy, you could be liable for in a five-second tragedy.

Complete the form below and let the professionals at Pasadena Insurance Agency, Inc. stack the deck in your favor!

Request a Free Quote