Home Insurance
One of the most significant investments in your life is your home. It provides more than just physical shelter and comfort. It’s where memories are made, children grow and families gather. Naturally, you want to protect it. At ANI Texas, we help our clients have peace of mind, knowing how they are covered from the ever present and diverse risks to their Texas home.
Understanding Homeowners Insurance
The vast geography and climate of Texas present a variety of risks to your home. A homeowner’s policy is essential to protect it. Around the turn of the century, Texas law changed to allow home insurance companies to write their own contracts. Because of that, policies will vary from company to company. You want to make sure that you understand how your policy will cover your home from the various risks it faces. The three main categories of coverage in every policy include:
- Structural Coverage – pays for damage to the structure of the home
- Personal Property Coverage – pays for damage to your belongings. Anything not part of the structure of the home is included.
- Liability Coverage – If someone is injured on your property and it is determined that you are responsible, this pays for medical bills or lawsuit awards
How these coverages are applied varies from one company to another. It’s vital to have an agent who can help you understand the differences, not just show you a price.
Contact ANI Texas For Your Home Insurance Policy
We take pride in making sure you get the coverage you want at a great price. After getting an idea of your priorities, we’ll shop dozens of companies and show you the options that fit what you want so that you can make the best decision for your situation.
Contact us today!
