Buying a house is probably the largest investment you’ll make, but it’s also uniquely vulnerable to a broad range of threats. Just one tornado, hurricane, or fire can devastate your house in just minutes, and thieves post a risk all their own. Homeowners insurance offers protection from these threats and many others, holding up an umbrella that covers almost every aspect of your life.

A Brief Guide to Homeowners Insurance

What Does Homeowners Insurance Cover?

If a fire breaks out in the kitchen or a tornado destroys part of your roof, homeowners insurance will cover the damage, or even pay to rebuild if your house is destroyed. The standard policy also provides protection for personal property lost in a covered event, which includes theft and vandalism.

Liability Coverage

If a guest is injured on your property or someone in your family causes an accident somewhere else, the resulting liability suit could wipe out everything you’ve spent your life building. Most homeowners insurance policies include liability coverage that pays the value of valid claims, as well as the costs of defending yourself against frivolous suits.

How Much Coverage Do You Need?

Homeowners insurance policies are based on either the market value of the home or how much it would cost to rebuild. In most areas, it’s best to have a policy based on the replacement value, since the sales price may not be enough to recover from a total loss. Personal property protection is usually based on the value of the policy, which should be enough for most families, but if you have especially valuable jewelry or artwork, you should consider purchasing additional coverage.

As an independent agency committed to providing the highest level of protection at the greatest possible value, Integrity Insurance Solutions has built a reputation for friendly service and helpful advice. Their agents have helped countless clients throughout the San Marcos, TX, area navigate the complexities of the homeowners insurance market to find policies ideally suited to their needs. Visit their website for an overview of their services, follow their Twitter for more advice and professional insight, or call (512) 396-2211 to request a free, no-obligation quote today.