Homeowners Insurance in Irving, TX
Many homeowners want to be financially prepared for any unexpected events that come their way. That’s where homeowners insurance comes in. A good policy may cover repair or rebuilding expenses and help replace your possessions after accidents, fire, theft and other hazards.
What Does Homeowners Insurance Cover?
Standard home insurance policies often include the following essential protections:
- Dwelling coverage may cover your home’s structure, such as walls, roof and built-in appliances, against risks such as fire or vandalism.
- Liability protection may provide financial aid if someone is injured on your property or if you accidentally damaged another’s property.
- Personal property coverage may cover the repair or replacement costs of your personal belongings, such as books, clothes, electronics and furniture, if they are stolen or damaged due to covered events.
- Other structures coverage may cover the cost of repairing or rebuilding unattached structures on your property, such as a guest house, fence or shed.
- Additional living expenses coverage may pay for restaurant bills, accommodation and other related costs if you must temporarily live elsewhere due to a covered event.
- Medical payments coverage may cover hospital visits and minor medical treatments if a guest is injured on your property.
What Is Not Covered by My Policy?
Exclusions vary between insurers and states, but most homeowners insurance policies exclude coverage for the following:
- Earth movement (e.g., earthquakes, landslides)
- Flooding
- Neglect
- Wear and tear
- Pest infestations
- Nuclear hazards or wars
- Intentional damage
Secure Dependable Home Insurance
Quality Insurance Services proudly serves homeowners in Irving, Texas, and surrounding communities. We offer tailored and affordable home insurance solutions. Contact us today to learn more.