Your home is likely your largest—and most precious—financial investment. As a result, having a dependable home insurance policy in place is a must to protect it from common perils. The following are just a few of the issues that homeowners can face in Texas.

What Are Some of the Most Common Insurance Claims in Texas?

1. Wind & Hail 

High winds and pounding hail can damage multiple areas of the home, from the roof to the siding. Additionally, it can be difficult to safeguard your home against this type of damage, unlike other perils. Be sure to clarify whether your existing home policy covers wind and hail damage or if you need a separate rider. 

2. Water Damage

Some types of water damage are covered by home insurance. For instance, if a pipe bursts in the home and floods the basement, your home policy will likely provide protection. However, flooding from outside sources will need to be covered by a separate flood policy. 

3. Fire & Lighting

A fire can tear through a property quickly, which could render your home unlivable. As a result, insurance coverage is a must in the event of a fire. You may also receive a lower home insurance rate by adding fire protection systems to your home. 

4. Liability Claims

Homeowners insurance also protects against legal claims made against you. If a person comes to your home and gets injured, you could face a lawsuit if your negligence led to the accident. The liability component of your insurance provides funding for lawsuits in the event someone is injured on your property. 

When shopping for home insurance, the company you choose can make a big difference in the quality of the coverage you receive. In Hubbard, TX, Texas Brand Insurance works with many different carriers to ensure you have access to quality products. They also provide other essential insurance products, including auto, boat, and farm protection. Call (254) 576-1180 today to schedule a consultation. You can also visit the website for more information on home coverage.