Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Insurance for Homeowners in Sherman, TX
Your home should be a source of comfort, not a source of stress. Unfortunately many homeowners face accidents and storms that are not covered by their insurance even though they feel they’re paying too much for coverage.
At Diamond Insurance Group, Inc., our insurance professionals understand that everyone’s home insurance needs are different. We will work with you to tailor and customize a home insurance policy with enough coverage for your home at the right price for your wallet.
What Does Home Insurance Cover?
A typical home insurance policy may include coverage such as:
- Dwelling Coverage: Dwelling coverage provides compensation for damages to the physical home and its attached structures caused by fire, wind, hail, lightning, smoke, vandalism and more.
- Personal Belongings Coverage: Personal belongings coverage provides compensation for loss of or damage to your personal items caused by fire, smoke, theft, vandalism and more.
Liability: Liability insurance covers bodily injury and property damage someone else may suffer on your home’s property.
Additional Living Expenses: Additional living expense (ALE) coverage provides compensation if you must temporarily move after the home is rendered uninhabitable after a disaster.
There are additional coverage options available as well, known as policy floaters. These allow you to fill in the gaps left by your basic home insurance policy. A personal belongings endorsement, for example, can help cover expensive items that may have limited coverage under your home insurance policy, such as jewelry, furs and art.
What Does Home Insurance Not Cover?
Unfortunately, a basic home insurance policy won’t cover everything. Damages caused by floods and earthquakes are often excluded from home insurance and must be covered additional insurance. Certain items also have limited coverage under personal belongings insurance, such as jewelry, art and furs.
Home insurance also will not cover any negligence on behalf of the homeowner. For example, if your roof leaks and it is discovered that shingles were missing but not replaced, a claim may be denied because the damage could have been prevented.
What is Total Replacement Cost Value for Home Insurance?
When wondering how much insurance you should use to cover your home, you may hear the term “total replacement cost value.” This value refers to how much it would cost to completely rebuild your home after a disaster, including building and material costs. This is not the same as the market value of your home. In general, it is recommended that you carry enough home insurance to cover the entire replacement cost value of your home.
Protect Your Home Today
Protect your house and everything in it with a reliable home insurance policy. Call Diamond Insurance Group Inc. at 903-891-4646 today or fill out an online quote form for a free quote to get started.
Common Home Insurance Questions
How Does Homeowners Insurance Work?
A home insurance policy is purchased through monthly premiums. When your home is damaged, you can file a claim and an underwriter from the insurance provider will investigate to calculate how much you may receive in compensation depending on your policy.
How Much Does Home Insurance Cost?
The cost of home insurance varies depending on your location, value of the home, coverage limits, claims history and more. Fill out an online quote form to find out how much you can save on home insurance.
What Home Insurance is Required by Law?
Home insurance isn’t technically required by federal or state law. However, you may be required to carry home insurance by the bank if you still have a mortgage on your home.
When is Home Insurance Required?
Home insurance is generally required by a mortgage lender up until your home is paid off. Even when your home is paid off, however, home insurance is important to keep your home safe in case of an accident or disaster.
When to Buy Home Insurance?
You should purchase home insurance before signing on your home to ensure that you have coverage before moving in.
Why Get Home Insurance?
Home insurance is crucial to protect your family, your belongings and your home no matter what. In case of accidents, home insurance can help you from facing a large financial burden all on your own.