Home Insurance in Sherman, Texas
At Diamond Insurance Group Inc., we understand that your home is a safe haven and must be protected, both for its value and for the security it provides. Our insurance professionals are determined to bring you comprehensive home insurance policies at affordable prices so that you can protect what you own without breaking the bank.
Residents of Sherman and the greater Texoma region can trust us to help them get quality homeowners insurance benefits. Our goal is to make the policy search, enrollment, maintenance and preservation processes easy, affordable and convenient. We understand that your home needs to be uniquely insured, and our goal is to get you the policy that is the perfect fit for you.
Call us at 903-891-4646 or request your free quote online
What Does Home Insurance Cover?
A comprehensive home insurance policy from Diamond Insurance Group Inc. can include numerous benefits like:
Dwelling coverage: Dwelling coverage provides compensation for damages to the physical home and its attached structures due to fire, wind, hail, lightning, smoke, theft, vandalism and more.
Personal belongings coverage: Personal belongings coverage provides compensation for damages to or loss of your personal belongings due to fire, wind, lightning, smoke, theft, vandalism and more.
General liability insurance: General liability insurance provides compensation for bodily injury and property damage you or a family member may cause someone else. Itmay cover medical expenses for the victim and your legal costs in case of a lawsuit.
Additional living expenses: Additional living expenses (ALE) cover costs related to temporarily moving while the home is being repaired or rebuilt after a disaster.
Further perks can be used to customize your plan, including:
What Does Home Insurance Not Cover?
On its face, a basic homeowners insurance policy won’t cover certain perils or losses. For example, some high-value jewelry might only be minimally insured under standard homeowners personal belongings coverage. Most plans are easily adjustable to include endorsements that will provide the appropriate level of benefits for even the most unique Sherman homes.
However, keep in mind that even with a fully customized plan, limitations on coverage will exist. In addition, home insurance will not cover any negligence on behalf of the homeowner. For example, if your roof leaks and it’s discovered that shingles were missing but not replaced, a claim may be denied because the damage could have been prevented.
How Much Home Insurance Do I Need?
Every home is different and requires a different amount of home insurance. In general, it is recommended that you carry at least 80% of your home’s total replacement cost value on your dwelling coverage. Your agent can help you determine the proper limits to reinforce your financial security.
Insure With Diamond Insurance Group Inc.
Don’t wait for a bad storm to buy home insurance. Connect with an agent at Diamond Insurance Group Inc. at 903-891-4646 today or fill out an online quote form
for a free quote to get started.
Frequently Asked Questions
When Is Home Insurance Required?
A mortgage lender generally requires home insurance until your home is paid off. However, even when it is paid off, home insurance protects your home in case of an accident or disaster.
When Should I Buy Home Insurance?
You should purchase home insurance before signing on your home to ensure that you have coverage before closing and moving in.
Why Get Home Insurance in Sherman?
Home insurance is crucial to protect your family, your belongings and your home no matter what. In case of accidents, home insurance can prevent you from facing a significant financial burden all on your own.