{"id":873,"date":"2020-07-05T12:18:12","date_gmt":"2020-07-05T17:18:12","guid":{"rendered":"https:\/\/houstonnationalinsurance.com\/blog\/?p=873"},"modified":"2020-07-05T12:18:14","modified_gmt":"2020-07-05T17:18:14","slug":"1-homeowners-insurance-in-texas","status":"publish","type":"post","link":"http:\/\/houstonnationalinsurance.com\/blog\/1-homeowners-insurance-in-texas\/","title":{"rendered":"#1 Homeowners Insurance In Texas"},"content":{"rendered":"<div data-animation=\"no-animation\" data-icons-animation=\"no-animation\" data-overlay=\"\" data-change-size=\"\" data-button-size=\"1\" style=\"font-size:1em;display:none;\" class=\"supsystic-social-sharing supsystic-social-sharing-package-flat supsystic-social-sharing-content supsystic-social-sharing-content-align-center\"><a class=\"social-sharing-button sharer-flat sharer-flat-1 counter-standard without-counter facebook\" target=\"_blank\" title=\"Facebook\" 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sharer-flat sharer-flat-1 counter-standard without-counter pinterest\" target=\"_blank\" title=\"Pinterest\" href=\"http:\/\/pinterest.com\/pin\/create\/link\/?url=http%3A%2F%2Fhoustonnationalinsurance.com%2Fblog%2F1-homeowners-insurance-in-texas%2F\" data-nid=\"7\" data-pid=\"1\" data-post-id=\"873\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-description=\"#1 Homeowners Insurance In Texas\" rel=\"nofollow\"><i class=\"fa fa-fw fa-pinterest\"><\/i><div class=\"counter-wrap standard\"><span class=\"counter\">0<\/span><\/div><\/a><a class=\"social-sharing-button sharer-flat sharer-flat-1 counter-standard without-counter stumbleupon\" target=\"_blank\" title=\"StumbleUpon\" href=\"http:\/\/www.stumbleupon.com\/submit?url=http%3A%2F%2Fhoustonnationalinsurance.com%2Fblog%2F1-homeowners-insurance-in-texas%2F&title=%231+Homeowners+Insurance+In+Texas\" data-nid=\"9\" data-pid=\"1\" data-post-id=\"873\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-description=\"#1 Homeowners Insurance In Texas\" rel=\"nofollow\"><i class=\"fa fa-fw fa-stumbleupon\"><\/i><div class=\"counter-wrap standard\"><span class=\"counter\">0<\/span><\/div><\/a><a class=\"social-sharing-button sharer-flat sharer-flat-1 counter-standard without-counter linkedin\" target=\"_blank\" title=\"Linkedin\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&title=%231+Homeowners+Insurance+In+Texas&urlhttp%3A%2F%2Fhoustonnationalinsurance.com%2Fblog%2F1-homeowners-insurance-in-texas%2F\" data-nid=\"13\" data-pid=\"1\" data-post-id=\"873\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-description=\"#1 Homeowners Insurance In Texas\" rel=\"nofollow\"><i class=\"fa fa-fw fa-linkedin\"><\/i><div class=\"counter-wrap standard\"><span class=\"counter\">0<\/span><\/div><\/a><\/div>\n<p class=\"wp-block-paragraph\" style=\"text-align:left\"><strong><a href=\"https:\/\/www.houstonnationalinsurance.com\/home-insurance.php\">Homeowner insurance<\/a><\/strong>, also named home insurance, is a type of property insurance that covers damages to your home. A home insurance policy covers various losses that occur to your home as a result of fire, theft, lightning strikes, windstorms, and hail. This policy helps you to pay for the losses or damages caused by fire, theft, natural hazards, and accidents that may happen at home. Houston National Insurance of America provides reliable <strong><a href=\"https:\/\/houstonnationalinsurance.com\/blog\/top-10-insurance-agencies-in-houston-tx\/\">homeowners Insurance In Texas<\/a><\/strong><a href=\"https:\/\/houstonnationalinsurance.com\/blog\/top-10-insurance-agencies-in-houston-tx\/\"> <\/a>with high-quality customer service.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Why Do You Need Home Insurance?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Purchasing a new house is one of the most valuable investments you have, and homeowner insurance helps protect that investment. Mortgage companies typically require home insurance. If you want a mortgage, then before funding your mortgage, your lender requires that you have homeowners insurance because your lender wants to be sure that its investment in your home is secured or not in case of fire or other risks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What Does Homeowner Insurance Cover?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Besides protecting your house, homeowner insurance also helps cover your personal belongings and even pay medical bills if a visitor on your property gets injured. Homeowners insurance policy may provide the following coverages:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Coverage to Property Damage<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The insurance policy provides coverage if your home structure and any attached structures, like a basement or garage, are damaged by fire or any covered natural disaster such as hailing, lightning, hurricane, and property coverage. This policy helps to pay the expenses for these repairs. The amount of property coverage you need will usually determine by calculating the area of your house. Insurance policy will not provide coverage for damage caused by a flood and earthquake.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Coverage to Personal Belongings<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Home insurance also provides coverage if your personal belongings, such as furniture, clothes, home appliances, and other personal items are stolen or damaged or destroyed by fire, hurricane, or other covered disasters. Expensive things like jewelry and silverware are also covered, but there are dollar limits if they will steal. Personal belongings coverage pays you to replace house belongings, such as furniture and electronics which are damaged by a covered loss.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Liability coverage<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Liability coverage will provide coverage if you or a family member accidentally injures someone or damages other&#8217;s property, then liability coverage pays the medical, repair costs, and legal fees. The policy provides coverage; if a friend, neighbor, guest, and other visitors will injure in your home, he can submit medical bills to your insurance company as your guest medical protection helps to pay their medical bills.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Additional living expenses<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you are living away from home due to damage from an insured disaster, then the insurance company will pay all your additional expenses such as hotel bills, restaurant meals, and other costs. At the same time, your home is under construction, but this coverage has a time limit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What Do Homeowners Insurance Costs?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The costs of homeowners insurance depend on several factors, including the coverages you select, location of your home, and the value of your personal belongings. The price also depends on several factors, including the condition of the home, your credit score, marital status, and policy factors like discounts and the deductible. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Homeowners Insurance Deductibles<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An insurance deductible is an amount that you pay before your insurance reimburses you for a covered claim, and it affects the cost of your policy and how much you and your <strong><a href=\"https:\/\/houstonnationalinsurance.com\/blog\/homeowner-insurance-first-time-home-buyers\/\">insurance company<\/a><\/strong> pay when you file a claim. Most insurers set the average minimum homeowners deductible at $1,000, while others put the minimum at $500.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Homeowner Insurance Agent<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Having homeowner insurance prevents damage to your home or belongings, and it may help provide financial safety if something unexpected occurs. We at the Houston National Insurance of America provide you an insurance agent that can help you to select an insurance policy that fits your needs and will prepare you for future crises. <strong><a href=\"https:\/\/www.houstonnationalinsurance.com\/contactus.php\">Contact <\/a>our agent to get an affordable insurance quote!!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<div data-animation=\"no-animation\" data-icons-animation=\"no-animation\" data-overlay=\"\" data-change-size=\"\" data-button-size=\"1\" style=\"font-size:1em;display:none;\" class=\"supsystic-social-sharing supsystic-social-sharing-package-flat supsystic-social-sharing-content supsystic-social-sharing-content-align-center\"><a class=\"social-sharing-button sharer-flat sharer-flat-1 counter-standard without-counter facebook\" target=\"_blank\" title=\"Facebook\" href=\"http:\/\/www.facebook.com\/sharer.php?u=http%3A%2F%2Fhoustonnationalinsurance.com%2Fblog%2F1-homeowners-insurance-in-texas%2F\" 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data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-description=\"#1 Homeowners Insurance In Texas\" rel=\"nofollow\"><i class=\"fa fa-fw fa-stumbleupon\"><\/i><div class=\"counter-wrap standard\"><span class=\"counter\">0<\/span><\/div><\/a><a class=\"social-sharing-button sharer-flat sharer-flat-1 counter-standard without-counter linkedin\" target=\"_blank\" title=\"Linkedin\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&title=%231+Homeowners+Insurance+In+Texas&urlhttp%3A%2F%2Fhoustonnationalinsurance.com%2Fblog%2F1-homeowners-insurance-in-texas%2F\" data-nid=\"13\" data-pid=\"1\" data-post-id=\"873\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-description=\"#1 Homeowners Insurance In Texas\" rel=\"nofollow\"><i class=\"fa fa-fw fa-linkedin\"><\/i><div class=\"counter-wrap standard\"><span class=\"counter\">0<\/span><\/div><\/a><\/div><p>Homeowner insurance, also named home insurance, is a type of property insurance that covers damages to your home. A home insurance policy covers various losses that occur to your home as a result of fire, theft, lightning strikes, windstorms, and <a href=\"http:\/\/houstonnationalinsurance.com\/blog\/1-homeowners-insurance-in-texas\/\" class=\"read-more\">Read More &#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":874,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_s2mail":"yes","footnotes":""},"categories":[5,104],"tags":[6,121,105,71],"class_list":["post-873","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-insurance","category-homeowners-insurance","tag-home-insurance","tag-homeinsurance","tag-homeowners","tag-homeowners-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"Homeowner insurance, also named home insurance, is a type of property insurance that covers damages to your home. 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