Homeowners Insurance Information
Texas Home Insurance
Approximately 61% of Texans own their homes, and the state's median home value is more than $160,000. Still, whether your property is worth more or less than this median is immaterial; your house is one of the most expensive investments you will ever make.
To protect your home, you will need exceptional homeowners insurance in place from the moment that you close on a deal. It is not something you should consider irrelevant. It is one of the most essential and important pieces of household security that you can ever buy.
For help getting a customized policy that is tailored to comprehensively protect your home, family and property, just call Avalon Insurance Agency. We are dedicated to serving residents of Houston, The Woodlands, Spring and all of Texas, and we are the place to come when you want expert guidance on choosing the plans you need.
To get a policy quote, just contact us:
Common Home Insurance Questions
How does home insurance work?
You never know when an unexpected or unavoidable accident might occur on your property. These might include things like:
Any of these events might cause significant property damage or place a very uncertain financial strain on you and your family. Your home insurance is designed to make sure you have the money available to cover these outstanding costs.
In the end, having home insurance significantly reduces your risk of personal insolvency, and it is without question is one of the best ways that you can protect your long-term security.
What does home insurance cover?
Home insurance plans are made to be diverse. They can include many types of protection designed to insure your house, possessions and the liabilities present on the property.
The most basic and essential types of coverage include:
Dwelling insurance that helps you repair your house in case of unexpected damage.
Detached structures insurance that pays for other damaged items on your property like storage sheds, gazebos, fences or carports (that are not connected to your dwelling).
Contents coverage that pays for lost or damaged belongings subject to certain limits.
Home liability insurance to cover the costs of bodily injuries or property damage that you cause other people who do not live with you, such as neighbors.
Accidental medical payments insurance to cover injuries that non-resident guests sustain on your property, regardless of whether their injury was your fault.
Living expenses coverage that pays for everyday costs you incur if you must temporarily move out of your home following a damaging accident.
Keep in mind, there are still other benefits that you might be able to add to your policy to increase your benefits. These might include:
How much home insurance do I need?
High-Value Possessions Riders
Pet Bite Liability Insurance
Sewer/Sump Pump Overflow Endorsements
Home Business Insurance
You can rely on our agents to help you design your plan no matter how specific your coverage needs. Besides standard homeowners property & casualty insurance, we provide:
Our job is to help you choose the policy terms, coverage limits and deductibles that are designed to minimize your financial burden for any household accidents. We will help you choose the benefits that best insure your property against its full replacement cost and can also update your contents coverage to insure these items for their replacement costs, too.
How far in advance should I buy home insurance?
If you plan to finance your home, then you will likely have to buy a home insurance policy before your lender will approve your loan application. You will need to have a policy before closing on the home.
How much should homeowners insurance cost?
All home insurance policies vary, which is why their costs will differ significantly. Various risk factors like your property value, chosen coverage limits, insurance history, credit score and the property’s location could drive your policy up or down. Still, different insurers might offer identical coverage, but the premiums they charge a particular client might vary.
That is why Avalon Insurance’s agents will work side by side with you to review your coverage needs and compare the rates offered by different insurers. In the end, we will help you save as much as possible without forcing you to sacrifice the critical coverage that you want to have.
Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.