Home Insurance

Home insurance is coverage that can provide you with protection in the event your home or property becomes damaged or destroyed. We provide homeowners insurance here at Janic King Insurance Agency in Texas. We offer various coverage options that range from dwelling to personal belongings coverage.

Home Insurance Requirements

Home insurance is not legally required in the state of Texas. But, your mortgage lender may require you to obtain home insurance. Either way, it is highly recommended.

Home Insurance Coverage

Home insurance covers the following:

  • Dwelling coverage- This can help you cover your repair or replacement expenses if your home is damaged following a covered event. You want to ensure you obtain enough coverage to cover all or most of the repair and rebuilding costs.
  • Other structures- This can help cover damage to all structures on your property that are not permanently attached, such as sheds, fences, and garages.
  • Personal property- This will cover your personal belongings in your home if they become destroyed or damaged following a loss. These items include sporting goods, furniture, clothing, electronics, and more.
  • Loss of use- This will cover your additional living expenses if you cannot live in your home temporarily following an accident.
  • Personal liability- This will protect you if you are sued following bodily injury or property damage to others.

Additional home insurance coverage options:

  • Contents replacement cost
  • Additional replacement cost protection
  • Special personal property coverage
  • Jewelry and valuable items
  • Personal articles
  • Water backup and sump pump discharge or overflow
  • Identity fraud

Quotes

To obtain a home insurance quote, call us here at Janic King Insurance Agency. We serve all homeowners in the state of Texas. We will work with you until we find the perfect policy to protect your home and valuables.