Homeowner insurance is essential if you want to protect your Harris County home. This coverage is likely a requirement of your mortgage, but even if you fully own your home, you should still have a policy in place to preserve your most valuable asset. Here's what you need to know about homeowner insurance and why you need it.
Standard Homeowner Insurance Coverage
At the most basic coverage level, homeowner insurance will cover the physical structure of your Harris County home. This includes everything from the foundation up to the roof and will repair any damage due to storms, fires, burst pipes, burglaries and more. It is important to note that this basic coverage does not include the contents of your house. These must be covered separately and will be discussed in the following section.
Liability coverage is another basic element that is included in typical homeowner insurance policies in Harris County. This aspect of coverage will insure you in the event that someone is injured in your home or on your property. If they have extensive medical expenses and ongoing pain and suffering, your insurance will cover the settlement if the person chooses to sue you.
Enhance Your Coverage
As mentioned above, you'll need separate coverage for the contents of your Harris County home, including furnishings, appliances, decor, clothing and other belongings. Valuable items, like fine art and jewelry, will need additional coverage due to their high monetary value.
Natural disasters, like the floods and earthquakes that are common in Harris County, are not included in basic coverage either. However, these events can be immensely destructive, so don't neglect this crucial aspect of homeowner insurance coverage.
Insure Your Harris County Home Today
To learn more about the homeowner insurance options we have for Harris County residents, get in touch with the insurance experts at Hart Insurance Group today. We'll be happy to answer your questions and explain the various coverage options in greater detail. Call us at 281-419-1656 to speak with an experienced insurance agent.