The thought of losing your home might be something you don’t care to dwell upon. However, with your home likely being your biggest and most valuable asset, you also need to be prepared for unexpected circumstances and worst-case scenarios.

This is where homeowner insurance plays a crucial role.

Texans living in Austin County and the surrounding area know that the state is prone to extreme weather conditions that can wreak havoc on most homes. Strong thunderstorms, hailstorms, tornadoes, and even hurricanes originating from the Gulf Coast can damage property, including homes.

With homeowner insurance, your house and contents are protected. If you’re ready to get the protection you need for your home in Bellville, Sealy or the surrounding area , LKL Insurance is always ready to help.

More than just home protection

A standard homeowner’s policy in Texas usually provides coverage for the repair or replacement of your home and its contents in case it is damaged or destroyed by fire, smoke, theft, vandalism, or extreme weather conditions like strong winds, hailstorms, or lightning during a storm.

It also includes medical and liability coverage for affected or injured guests or visitors in your home, as well as for temporary lodging and meals in case you and your family need to live elsewhere while your home is under repair.

Aside from these, certain items and structures are also covered when they are damaged during an event specified in the policy. These include:

• Clothing

• Appliances

• Furniture

• Heating and cooling systems

• Fence

• Detached garage

• Other permanent structures, e.g., swimming pool, outdoor fireplace, shed, retaining wall

Of course, it pays to be clear about what your home insurance covers, particularly in relation to where you live in Texas. What’s important is that insurers all offer optional additional coverage and higher limits that are tailored to your requirements.

To avoid any unpleasant surprises, always read the fine print, familiarize yourself with your policy, ask questions, and clarify all important details with your insurer before signing on the dotted line.

Protection for the things that matter

To find out how much insurance cover is sufficient for your needs, conduct an inventory of your household and personal possessions.

As much as possible, take photos or make a video as you go over your belongings. Having a home inventory list with a matching video or photos provides you with two benefits:

• You can use it as a basis for getting the right homeowner insurance.

• You can use it to help expedite your claim resolution.

So make sure you keep your list safe. Have a backup of it and the video or pictures somewhere safe, outside of your home.

If it’s your first time to get homeowner insurance, why not talk to us at LKL Insurance?

We’ll help you identify the most appropriate insurance package based on your situation and needs.