Homeowners Insurance in Houston, TX
Your home is a valuable asset, and a home insurance policy can offer financial protection in response to unexpected events. At Astro Insurance Agency, we’re ready to help homeowners assess their coverage and find a suitable policy.
What Does It Cover?
In general, a home insurance policy may offer the following coverages:
- Dwelling coverage may help pay for the repair of your home’s structure, including its façade, roof and windows.
- Other structures coverage may cover damage to fences, detached garages and sheds.
- Loss of use coverage may cover your shelter, food and other expenses if a covered risk renders your home uninhabitable, forcing you to move out temporarily.
- Personal property coverage may cover replacing your appliances, clothing, furniture and other belongings.
- Liability coverage may cover the necessary costs if you’re held liable for third-party injuries or causing damage to someone else’s property.
How Much Coverage Do I Need?
The amount of home insurance coverage you need may depend on factors such as the cost to rebuild or repair your home and the estimated value of your personal belongings. It should also be enough to cover medical bills, funeral payments, repair costs, and other expenses associated with third-party liability claims.
How Much Does a Policy Cost?
The cost of a home insurance policy may vary, but insurers may consider the following factors when calculating your premiums:
- Location
- Claims history
- Property value
- Vulnerability to risks (e.g., crime, natural disasters, etc.)
- Policy specifics (e.g., coverage limits, deductible)
How Can I Get My Home Insured?
Contact Astro Insurance Agency today to learn more about our home insurance offerings or request a personalized quote.