What does home insurance in Texas cover?

San Antonio, TX is a thriving city that attracts dozens of tourists. Some visitors love the region so much that they decide to stay. Homeownership begins with responsibility. A good home insurance plan purchased through Access Insurance Services is a great way to prove yourself as an accountable resident. Read on to learn more about how home insurance works in Texas!

What does home insurance in Texas cover?

Home insurance policies in Texas are typically broken down into six categories:

  • Dwelling Coverage

  • Personal Property Coverage

  • Other Structures Coverage

  • Loss of Use Coverage

  • Personal Liability Coverage

  • Medical Payments Coverage

Whereas structural damage is classified as a part of dwelling coverage, furniture, and other personal property is covered under a different part of the plan. Surprisingly enough, a detached garage is not considered as part of the dwelling place and, thus, receives coverage as an “other” structure.

Personal liability and coverage for medical payments involve instances where the homeowner is found at-fault for injuries to another person who was hurt while on the property. Personal liability pays for everything from lawyer fees to lost wages. Medical payments coverage, on the other hand, only covers health care costs related to the injury.

Do you really need home insurance?

It is not required by law that you have home insurance in Texas. Those who pay a monthly mortgage, however, may be required to maintain an assurance policy as part of the contract.

A home is one of the biggest investments you will make while living in San Antonio, TX. Why would you want to let such an asset lack a good indemnity plan? Call Access Insurance Services today to get started with a quote!