Your home insurance may cover carpet damage, but the devil is in the details – not just the details of your insurance policy, but the details of the incident itself. Because many areas of San Antonio are in high-risk flood areas, for example, carpet damage caused by outside flooding may or may not be covered by standard home insurance. If your carpets were damaged by a burst pipe, for example, or by another covered hazard, your insurance policy probably does cover it. These are some types of damages and expenses that may be covered under a typical homeowner insurance policy.

• Water damage from burst pipes or interior flooding not due to a weather event
• Cleaning or replacing carpets after a fire or other covered incident
• Carpet stains and/or damage not resulting from intentional misuse
• Cleaning rugs and carpets as part of covered mold remediation or asbestos abatement

It never hurts to talk to your agent if you think damage to your carpets or any other part of your home may be covered. We're always here to answer your questions and help you find cheap home insurance that meets all of your needs.

What Is the Best Homeowners' Insurance?

As members of the San Antonio community, we make it our business to understand the most important types of coverage for homeowners in our city. We'll work with you to find the right coverage for your home, your neighborhood and your needs.

The first step in getting cheap homeowners insurance in any San Antonio ZIP code is to get quotes from multiple insurers. We make it easy for you. Just call us or use our quote comparison tool to get the best insurance rates for your home.

One of the trickiest things about insurance is knowing which insurance pays for what. Sure, if you’re parked by the Pleasanton, Texas city hall and your vehicle gets damaged when some tourist gets distracted and runs into you while they’re staring at the cowboy sculpture, you’ve probably got a good idea that their liability insurance will cover it. But what if your vehicle is damaged in your own driveway? Who pays for it then? The answer depends on the circumstances.

If your vehicle was parked in your own driveway and some stranger drove in and hit it, it would be the same as if it happened on the highway. Texas law requires the at fault driver to have the ability to cover damages, either through their own money or through liability insurance. Either way, you will be paid by the at fault driver.

If you hit your own car with another vehicle that you own, your best bet to cover the damage to both cars will be your collision auto insurance. Even if the accident takes place on your property, your home insurance would not be involved. Where it may get confusing is if a tree falls on your vehicle on your property. If it’s your own tree, you might think your home insurance would cover it, but it would actually fall again to car insurance, this time comprehensive insurance. Even if the tree belonged to a neighbor, your comprehensive car insurance would have to pay for the damage unless you could prove that the tree fell due to your neighbor’s negligence.

Insurance can be complicated, and the best way to understand how particular situations might be handled is to talk to an agent. In the Pleasanton area, we are the independent agent who can answer all of your questions and help you to have peace of mind about your insurance coverage.