Home Insurance FAQs

Whether you are a first-timer or a seasoned homeowner in Katy, TX, you need home insurance to protect your prized asset. But because home insurance is broad, sometimes even seasoned homeowners don’t understand its nitty-gritty. As such, you need a knowledgeable insurance agent you can turn to when you need to know more about home insurance. For Katy TX residents, make All Around Insurance Agency your go-to insurance agent for all your home insurance needs.

Since we like empowering our clients with information, we write informative topics from time to time. Today, we are writing about frequently asked questions about home insurance. Hang on for insights about this crucial coverage.

What does home insurance cover?

If you have invested in home insurance, it covers your dwelling and contents inside. Plus, home insurance protects you against liability claims and also provides additional living expenses coverage when your home is rendered unlivable by a covered peril.

How much home insurance should I have?

As a rule of thumb, consider dwelling coverage adequate to rebuild your home from the ground up. Likewise, consider home insurance that can replace your assets in the worst-case scenario. For liability coverage, consider an amount of about $300,000, but if you need higher liability protection, consider umbrella insurance.

What are the typical home insurance exclusions?

While home insurance is great, it doesn’t cover all risks. Typical home insurance doesn’t cover the below:

  • Floods
  • Earthquakes
  • Water damage from sewer backups
  • Normal wear and tear
  • Intentional damage
  • Government actions

Also, high-value items like jewelry enjoy limited protection from home insurance. However, you can consider “add-ons” to boost coverage.

Where can I purchase home insurance in Katy, TX?

Finding the right insurance agent can be frustrating, but this shouldn’t be the case if you opt for All Around Insurance Agency. We always have the interests of our clients at heart and act as your financial advisor to help you choose the right balance for your insurance needs.