Fort Bend County is a popular place for families to live, and purchasing a home can help you secure your life in town for many years to come. You'll need homeowner insurance to cover your property so that you can continue to enjoy it going forward. No one likes to think of disaster befalling them, but it pays to be prepared well in advance so that you aren't left out in the cold with no home to call your own.
Basic Homeowner Insurance Coverage
If you took out a mortgage to pay for your home, your lender will likely require you to purchase a homeowner insurance policy for the duration of your loan. Even after you have paid off your mortgage, you should still maintain coverage for your protection and peace of mind.
The minimum homeowner insurance coverage will take care of the structure of your Fort Bend County house, covering the cost of repairs in the event of any damage. This can include fires, burst pipes, break-ins, fallen trees, storms and more. The specific coverage you'll get will depend on the policy options you choose.
Minimal coverage also includes liability provisions. If someone is injured on your property, your policy will cover any settlement you owe in a lawsuit. This way, the injured person won't be able to require you to sell your home or other assets to cover their medical expenses.
Additional Coverage Options
Though your mortgage lender will typically only require a minimum amount of coverage, it is still a good idea to go for more than the minimum. Your Fort Bend County home's contents won't be covered under a standard policy, so you'll need to request this additional coverage for your furniture, clothing, appliances and other belongings.
High-value items, like fine art, engagement rings and family heirlooms, require separate coverage as well. For each item, you'll need to provide a value appraisal or bill of sale to verify the value so that it can be covered.
Last but certainly not least, you may wish to add coverage for floods or earthquakes. These natural disasters are common in Fort Bend County and throughout Texas, so get this protection in place before you need it so that you don't risk losing your home.
Get Insured Today
At Hart Insurance Group, we provide homeowner insurance for residents of Fort Bend County and the surrounding areas. We'll be happy to discuss coverage options with you in further detail so you can make an informed decision about what is best for your needs. Call us today at 281-419-1656 to get the process started.