As a homeowner in Brazoria County, you'll want to insure your most valuable asset: your house. A homeowner insurance policy will protect you in the event of any damage to your home and any lawsuits resulting from injuries that take place on your property. If you bought your home using a mortgage, your lender will likely require you to maintain this coverage for the life of your loan, but it is a good idea to have adequate coverage even if you own your home outright. Here's what you need to know.
Standard Homeowner Insurance Coverage
At the very least, you'll need to have coverage for the structure of your Brazoria County home. This covers everything from the roof all the way down to the foundation. If a tree falls through your roof, for example, your homeowner insurance policy will cover the cost of the repairs after you have met your deductible. Your insurance may also cover alternate housing while the repairs are underway.
A basic homeowner insurance policy will also cover any medical expenses visitors incur as a result of injuries on your property. If someone is injured and decides to sue you, your insurance policy will cover the settlement to prevent the person from claiming your home or other assets as compensation.
Homeowner Insurance Policy Upgrades
Though the above coverage may be enough to satisfy your mortgage lender, you'll likely want to include additional coverage options to enhance your protection. First of all, you may wish to cover your Brazoria County home's contents, including furnishings, appliances, decor, clothing and more. High-value items, like fine art and jewelry will require separate coverage.
Earthquakes and floods are not covered by standard homeowner insurance policies either. These natural disasters can affect Brazoria County from time to time, so it is a good idea to have this coverage in place to prevent you from losing your home entirely.
Insure Your Brazoria County Home Today
At Hart Insurance Group, our dedicated homeowner insurance agents are ready to assist you with your insurance needs. Whether you still have a mortgage or have paid it off, we can help you select the best coverage options to meet your needs and budget. Call us today at 281-419-1656 to get started.