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Homeowners Insurance Information
Homeowners & Renters Insurance in Houston, Texas
A-Z Insurance is Houston’s trusted source for personalized insurance benefits. When you come to us, we take the hassle out of working with a large, impersonal insurance company, while still helping you get customized, affordable benefits that will always come to your aid at the times you need them most. Our promise is that every client will walk out our doors knowing that they have received optimized protection that will keep them safe in all parts of their life.
Whether you are a homeowner or a renter, you need to insure your property and assets appropriately. We offer both homeowners and renters insurance policies that are adaptable to any policyholder’s needs, and we’ll work with you to ensure you always pay an optimized price for your coverage.
To get your homeowners or renters insurance policy today, call us at 713-777-2886 or request your free quote now!
Homeowners Insurance Quote
Renters Insurance Quote
Common Homeowners & Renters Insurance Questions
What are homeowners and renters insurance?
No dwelling or resident is safe 100% of the time. All are susceptible to various household hazards like fires, weather damage, break-ins and even lawsuits brought by someone they negligently harmed. Any of these hazards could be exceptionally costly even in the smallest circumstances.
You shouldn’t have to worry about how you will pay for your recovery costs resulting from these setbacks. Your homeowners or renters insurance will ensure that you receive the financial assistance you need to recover. You won’t have to spend valuable personal funds to rebuild your life, and that is a big weight off your shoulders in the end.
What is the difference between homeowners and renters insurance?
Homeowners and renters insurance look a lot alike, but the latter is designed only for those who rent, rather than own their homes. The policy won’t burden the tenant with coverage that is only necessary for the dwelling’s owner to carry. However, both plans can help you substantially reduce your out-of-pocket burden following unexpected, unavoidable accidents in the home.
What do homeowners and renters insurance cover?
Homeowners insurance policies offer a diversity of benefits, each designed to offer targeted protection for a diversity of loss scenarios. These include:
Structure protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.
Detached structures coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages - will have coverage.
Possessions insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.
Liability coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.
Additional living expense protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.
Where renters insurance differs from homeowners coverage is that it does not offer structure coverage, since the tenant does not own the dwelling where they reside. Most renters plans offer at least:
Both types of plans are highly adaptable, and can be further tailored with specialized benefits like:
Replacement cost value possessions coverage
Umbrella liability insurance
Earthquake and windstorm endorsements
Pet liability insurance
Are homeowners and renters insurance required?
Both tenants and property owners often face requirements to buy renters or homeowners insurance. Typically, landlords require their renters to purchase policies because by doing so, the renter reduces the landlord’s liability for losses that might occur in the home. Landlords must still purchase their own coverage for home itself.
On the other hand, full homeowners will usually be required to purchase coverage based on requirements set by their mortgage lenders. For as long as the home is financed, the lender will want the owner to protect the home’s value as effectively as possible.
How much do policies cost?
Multiple factors could influence the cost of your home or renters insurance, including:
The value of your property
The home’s location
Your credit score
Security features in the home
Your chosen policy and coverage limits
Our agents are committed to helping clients get the customized policies that are perfect for them. That’s why we’ll work one-to-one with you to determine the best ways to get your residence the coverage it deserves, but at prices you can afford.
Do Prefabricated Homes Require Insurance?