Mortgage providers generally require homeowners to carry insurance on their house, which is often the most valuable asset they own. Homeowners insurance is an umbrella of protection that covers almost every aspect of your life. Even if you own your home outright, you should still carry enough insurance to shield you against the unexpected and the devastating losses they can bring.

A Guide to Homeowners Insurance

What Is It?

Think of homeowners coverage as a bundle of insurance policies, each designed to protect you against specific risks. In addition to covering your home against damage caused by fire, serious storms, or wind, the standard policy includes compensation for your personal belongings lost due to theft or vandalism. Detached buildings, such as garages and sheds, are also covered for up to 10% of the dwelling amount.Boats and other vehicles stored on the property may also be covered, but should be discussed with your agent. The standard homeowner’s insurance policy even includes liability coverage that will pay for accidental damages caused by you, your pets, and family members.

Why You Need It?

Life is unpredictable, and all it takes is a single natural disaster to destroy your home and everything in it. In these unfortunate situations, your homeowners insurance policy can be a lifesaver, paying to have your home rebuilt or repaired for you. If you’re forced to stay in a rental apartment or hotel while repairs are underway, your policy will pay for that, too, minimizing the disruption to your life and potentially saving you from financial ruin.

As one of San Marcos, TX’s leading independent agencies, Integrity Insurance Solutions prides itself on providing high-quality products from some of the top carriers in the nation. Their highly skilled agents have the expertise to find policies tailored to your needs, ensuring you’re covered against the unexpected. To get in touch and request a homeowners insurance quote, visit their website or call (512) 396-2211, and like them on Facebook for more advice and updates.