Home Insurance

As your largest investment, it's important to make sure your home has the proper insurance coverage. We'll protect your home and everything in it for the lowest possible price.

What is Home Insurance?

Home insurance, also commonly called hazard insurance or homeowner's insurance (and often abbreviated in the US real estate industry as HO3), is a type of property insurance that covers a private residence. 

It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.

Typical Home Insurance Coverages

Section I — Property Coverages
  • Coverage A – Dwelling
    Covers the value of the dwelling itself (not including the land). 
  • Coverage B – Other Structures
    Covers other structure around the property that are not used for business, except as a private garage. 
  • Coverage C – Personal Property
    Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). 
  • Coverage D – Loss of Use/Additional Living Expenses
    Covers expenses associated with additional living expenses. This coverage would be available in the event of a covered claim.
  • Exclusions
    In an open perils policy, specific exclusions will be stated in this section. 
  • Floods
    Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers.
Section II — Liability Coverages
  • Coverage E – Personal Liability
    Covers damages which the insured is legally liable.
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Contact us to learn more about the right homeowners insurance for you.
​(210) 819-5277
1001 Pat Booker Rd
Suite 109
Universal City, TX 78148​
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