Home Insurance
At ESCO Insurance Services, we offer various insurance options to help Texans protect their home if it becomes damaged or vandalized. Homeowners insurance protects your home, the structures attached and not attached to it, and personal belongings. Home insurance gives you peace of mind because you will always know that you are covered no matter what happens.
Home Insurance Requirements
Home insurance is not legally required in the state of Texas. It is optional. However, your mortgage lender can require you to obtain homeowner's insurance. Either way, it is highly recommended. Without home insurance, you are responsible for paying for damages to your home and for replacement costs for any of your personal items, which could put a financial burden on you and your family.
Home Insurance Coverage
What does home insurance cover? Here are several ways home insurance can keep you protected:
- Dwelling- This protects the structure of your home, including the walls and roof.
- Personal property- With this policy, you can feel confident knowing that everything inside of your home is protected, including your furniture and other personal items, if they become stolen or damaged.
- Liability- This will protect you if someone else files a lawsuit against you after becoming injured while on your property. This will also protect you if you were to cause damage to another person's property.
- Guest medical protection- If a guest becomes injured while on your property, this will cover their medical expenses.
- Other structures- Any structures that are not permanently attached to your home, including detached garages, fences, and sheds, are covered under this policy if they become damaged.
- Additional living expenses- If you cannot live in your home after it becomes damaged, this will temporarily cover your living expenses.
Quotes
If you are interested in obtaining a quote for home insurance, call us at ESCO Insurance Services in Texas.
