Homeowners Insurance

Protect Your Home With The Right Insurance Policy

Homeowners Insurance

Your home is the biggest investment that you will ever make so you want to be confident that it is adequately protected. We are here to make sure that you and your house are properly insured and that your policy has all the coverages that you need in place for your safety and peace of mind.

If you are you buying a property it could be stressful trying to figure out the right limits that you need on your home insurance policy. Our licensed insurance agents will clearly explain what risks are covered and those that are not.

At Prestige Insurance, our knowledgeable team of professionals will inform you about everything that you need to know regarding the home insurance. We make it easy and simple for you to understand your home insurance policy and we will guide you through the process of selecting the coverages and advise you on the proper limits. Our duty is to make sure that your most valuable assets are fully protected and we will provide you with the coverage package that is the best fit for your insurance and financial needs. Give us a call for a quote, coverage review and a consultation that is free of charge: (254)340-4633

Below are the typical coverages on the home insurance policy.

Dwelling Coverage

Will pay for the damages to the structure of your house. You want to make sure that you know what perils (causes of loss) are covered. One of the best types of policies will be a Comprehensive Peril policy with a Replacement Cost settlement option on you dwelling. Flood is not covered by your regular home insurance policy and a flood policy has to be purchased separately through a company specializing in flood insurance.

Other Structures

Will protect the structures on your property that are not attached to your house, like a detached garage, a shed or a fence.

Personal Property Coverage

Will protect your personal belongings in the event that they are damaged or stolen. Make sure that your personal property is covered on a Replacement Cost basis so that there is no deduction for depreciation.

Personal Liability

Covers you if you are liable for any property damage, bodily injury or personal injury claims.

Medical Payments

Will pay for the medical bills of others who might get injured on your property (but not for your family’s injuries or the injuries of your domestic workers).

Loss of Use

Coverage is for the additional living expenses that you incur when you can no longer reside at your dwelling due to a covered loss and have to temporarily relocate (normally pays for the food and lodging).

Sewer & Drain Backup

An optional coverage that we recommend to all of our clients. It will pay for the damages caused by the water that backs up through the sewer or drain, sump pump, toilet, dishwasher, washing machine or a sink.

Available Home Insurance Discounts

Some of the discounts for home insurance polices:

  • Pay in full discount
  • Advance quote discount
  • New home discount
  • Multi-policy discount
  •  Alarm discount
  • Sprinkler system credit

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