You'll likely be living in your Sugar Land home for a long time now that you own it, and you'll want to protect yourself in the event of any damages to your property. Repairing your home can be quite costly, and homeowner insurance can cover the majority of those costs for you. If you financed your home with a mortgage, your lender will likely require you to have homeowner insurance coverage, but you should still have a policy even if you have paid off your home in full.
What Homeowner Insurance Covers
A basic homeowner insurance policy typically covers any damage to the structure of your home, like from a fire or break-in attempt. Your policy will also include liability coverage, which protects you if someone is injured while on your Sugar Land property. Most mortgage lenders will require at least this minimum amount of coverage, though you can add additional coverage options as you see fit.
Additional Coverage Options
The typical homeowner insurance policy only covers the home itself, not its contents. If you wish to include coverage for your furnishings, appliances and other belongings, you can add this coverage to your policy. This way, you'll be able to repair or replace not just your Sugar Land home itself, but the things inside as well.
Coverage for the contents of your home doesn't necessarily cover items that are especially valuable, though, but there is no need to worry. You can add on coverage for fine jewelry, artwork and family heirlooms. You'll likely need to provide an appraisal or other verification of the item's value to determine the coverage amount and price.
Because flooding is common in Sugar Land and throughout Texas, you may wish to add flood coverage as well, as this is not included in a standard homeowner insurance policy. Earthquake coverage is also a separate add-on. Of course, the more coverage options you add, the higher your monthly premium will be. However, you'll have the peace of mind of enhanced protection.
Insure Your Home Today
The insurance experts here at Hart Insurance Group will be happy to help you determine which coverage options will best meet your needs. We have helped countless homeowners in Sugar Land with protecting their homes, and we can assist you in this area as well. Call us today at 281-419-1656 to speak to an agent about your options.