Home Insurance
You may face many challenges as a homeowner, some will be unexpected. The best way to prepare for the unexpected is by obtaining home insurance. We offer home insurance here at Cabrera Insurance Agency in Texas. Home insurance is essential because, in the event of storm damage, fire, etc., you will not have to worry about how you will replace or repair things that have been damaged in your home.
Home Insurance Requirements
Home insurance is not required in the state of Texas. However, if your home is located in a high-risk zone or for some other reason, your lender may require you to obtain insurance.
Home Insurance Coverage
You can feel safe knowing that home insurance covers all of the following:
- Dwelling coverage- This protects the structure of your home, including the walls and roof, in the event of damage.
- Liability coverage- This will protect you if an individual were to sue you after they have become injured while on your property or if you cause damage to their property.
- Personal property coverage- This will protect the things inside your home, including furniture, electronics, and other valuables, even if they are stolen or damaged outside of the house.
- Guest medical protection- This will cover your medical costs for another individual who was injured while on your property.
- Other structures- This will keep the physical structure of your home protected. This includes properties that are not permanently attached to your home, including a detached garage.
- Additional living expenses- If your home becomes uninhabitable following a loss, this will cover the necessary costs to continue living.
Quotes
To obtain a quote for home insurance, please give us a call here at Cabrera Insurance Agency. We serve all residents in the state of Texas.
