Home Insurance - Dallas, Fort Worth, San Antonio

Texas Homeowners: Insure Your Home from the Moment You Move In

The Lone Star State has one of the fastest-growing populations in the United States. It also has a lot of open spaces to foster infrastructure and property development. Its real estate market continues to rank among the most-competitive in the country. If you plan to move to Texas, you’ll probably find it relatively easy to find a house to buy.

Still, once you possess the home, you must insure it. At La Familia Auto Insurance, we offer top-rated homeowners insurance for every property owner. Let us help you get covered today.

What is Home Insurance?

Because of the demand for housing and real estate in Texas, its home prices tend to rank among the highest and most-competitive in the country. Whenever you buy, you'll put a lot of money down, regardless of the selling value.

Still, whatever your home’s price, it’s going to be a big investment. You need to protect it, and that is why home insurance exists. Coverage will pay for unexpected, unavoidable damage or losses in your home. It might help you repair or rebuild a damaged home, replace lost possessions or even compensate others if they get hurt on your property.

Why Do I Need Coverage?

Buying a home is expensive enough. Maintaining it to your satisfaction will only add to that cost. It only takes one devastating accident to wipe all of that out. And, when problems occur, you might find you don’t have the money behind you to rebuild. Instead, your homeowners policy can pay for many common damages. You won’t lose money on something that already costs you a lot to maintain.

What Will My Policy Cover?

Homeowners insurance covers multiple incidents and accidents that might occur in and around your home. Within your policy, you can often find:

Dwelling and Structure protection: This coverage insures your house, garage and often detached buildings on the property. It can cover you in case of damage from:

• Fire
• Lightning and severe storm damage
• Vandalism, miscellaneous mischief
• Theft
• Certain instances of water damage

Your policy will often help you make repairs to the home, or even rebuild it following a total loss. Ask about our extended coverage endorsement to get full coverage for a wide variety of covered hazards (beyond simple fire and lightning coverage).

Possessions insurance: Coverage pays for damaged belongings within the home. Protection might cover everything from food in the pantry to computer systems, furniture and clothing.

Liability coverage: If you harm someone else or damage their property, you can use this coverage to compensate them. Coverage will often pay for incidents on or off your property. Most policies contain bodily injury insurance for third-party injuries and property damage insurance for harm you cause to someone else’s property.

Additional expense protection: Do you need to move out temporarily after an accident? Let this coverage reimburse you for expenses like dining or hotel bills.

Please note: Your policy might not cover weather-related flood or earthquake damage. Talk to one of our agents about how to get these specialty coverage elements.