Homeowners Insurance in Houston, TX
Sufficient homeowners insurance coverage is crucial if you want to protect your property and your belongings. If you’re having difficulty determining which policy is right for you, Estradas Income Tax & Insurance is here to help.
What Is Homeowners Insurance? 
Homeowners insurance is a package policy that may cover the repair or replacement cost of your home and belongings should your property be damaged by a covered event. Coverage specifics may vary depending on the insurer, but policies typically include the following:
- Dwelling coverage may pay for repairs to your home’s physical structure, such as the roof, walls and foundation, if it’s damaged by a covered peril (e.g., fire, wind or hail).
- Liability coverage may cover medical and legal costs if you’re found liable for third-party injuries or property damage.
- Personal property coverage may cover appliances, clothes, electronics and furniture.
- Additional living expenses coverage may help cover temporary housing, meals and other costs if you must live elsewhere while your home is being repaired after a covered loss.
Do I Need Homeowners Insurance?
While a homeowners insurance policy is not required in Texas, your lender may require proof of policy if you have a mortgage. In addition, carrying sufficient homeowners insurance may be a good idea to financially protect you if you experience a covered accident or other loss. Without it, you may have to pay for expenses out of your own pocket.
How to Get Homeowners Insurance
Contact Estradas Income Tax & Insurance today to request a personalized quote.