You’ve worked hard to earn your home and make it a place where you can relax with loved ones. As a result, you need to be protected from any unexpected events that could not only damage your home but your wallet and your morale as well. A property insurance policy could give the opportunity to finally feel peace of mind in your own house. Here are the basics of property insurance along with why it’s a must-have for every homeowner.

What Is It?

Property insurance gives you financial protection in the event something happens to your home or property. You pay a small cost, usually on a monthly basis, so that if your property sustains damage, the insurance company will cover the repairs. The event must have occurred suddenly and accidentally, such as a natural disaster. For example, if a tree falls onto your roof as a result of wind from a major storm, your policy will likely cover the cost to fix it. However, before signing a policy, ask exactly what situations your insurance will cover and what situations it won’t.

What Does a Basic Property Insurance Policy Not Cover?

You can purchase additional coverage if necessary. For example, if you live in an area that experiences frequent earthquakes, consider a policy that covers earthquake damage. The same goes for flooding, acts of war, mold, and issues that result from worn-down home equipment, such as wiring. Additionally, make sure your policy includes liability insurance. This coverage will protect you in case someone gets hurt on your property or if you cause damage to someone else’s.

Do you need a dependable property insurance policy? Integrity Insurance Solutions in San Marcos, TX, has relationships with a wide variety of insurance carriers, so you can receive the personalized policy you need to feel safe. In addition to homeowners insurance, their team provides tailored auto insurance, business owners insurance, and liability insurance to cover every facet of your life. They’re proud to have received an A+ rating from the Better Business Bureau® and are dedicated to giving you one-on-one attention. Call (512) 396-2211 or visit their website to learn more about their trusted insurance services.