Home Insurance in Texas

Texas homeowners aren't legally required to purchase home insurance, but lenders will often require you to carry it as long as you owe a mortgage. There are many considerations when selecting a homeowner's policy. At David King Insurance Services LLC in Coppell, TX, we help clients with the process of choosing the right coverage.

What is Covered?

With most types of insurance, what is and isn't covered is straight forward. However, homeowner's policies can vary on the types of disasters that are included. Commonly, fire, theft, and vandalism are covered. Earthquakes and floods are not. Many companies offer add-on coverage for specific instances not covered in the standard policy. Lenders commonly require flood insurance. However, other add-ons may be right for you as well.

Structure and Property Coverage

Homeowner's insurance will cover the structure of your home. This includes your roof, walls, windows, and attached structures. In some cases, other structures on your property, like a shed or detached garage, are also covered. Most policies will cover living expenses if your home is made uninhabitable as well.

Personal property is also covered. High-value items, like jewelry and antiques, may need separate coverage. Personal property protection covers the cost or replacement of most items, up to your coverage limit

Personal Liability Coverage

Homeowners don't often consider potential liability. If a neighbor falls on your property and breaks their leg, you could be responsible for the medical bills and lost wages. If their injury was a result of negligence on your part, then you could be liable for personal damages as well. Personal liability will cover these expenses, including legal representation, if you are sued due to an accident.

At David King Insurance Services LLC in Coppell, TX, we know how exciting purchasing a home is. Contact us, and we will help you protect your investment with the right policy for your needs. If you currently have a homeowner's policy but have made changes to your property since then, you may want to update your coverage. Get the answer you need at David King Insurance Services.