Home Insurance Sugar Land - Houston in a nutshell

Why do you need homeowners insurance in Sugar Land - Houston?

For most people, their home is their biggest investment, and their most valued
possession. Home protects you, the homeowner and your family from outside elements.
Homeowner’s policy protects the homeowner from loss or damage to their home.
Homeowner policy pays for covered perils and pays for repairs or rebuilding of home.

We are a local Sugar Land - Houston home insurance company.  Our experienced greater
Sugar Land - Houston home insurance staff can offer you some of the best rates available
in Sugar Land - Houston, and all of Texas.  Since, we understand your  Sugar Land -
Houston home insurance needs; we can find you quality home insurance for great
insurance price in Sugar Land - Houston and all of Texas.    Whatever your Insurance
needs are, we can provide you fast and
affordable home insurance quotes for anywhere in
Sugar Land - Houston and Texas.

What is covered in standard homeowner’s policy?
Your Home's Physical Structure i.e., your dwelling and attached structures (e.g.,
attached garage, porch, etc.. dwelling (e.g., detached garage, in-ground
swimming pool).
Your Personal belongings and property inside your home limited up to 50% of
your dwelling coverage. Property is covered worldwide for covered perils.  
Special limitations apply to money, gold, silver, securities, stamps, deeds,
watercraft, trailer, furs, guns, silverware or gold ware, business property on and off
premises, credit cards, forgery, and counterfeit money, etc.
Personal Liability coverage for injury caused by you or your family member.
Loss of use due to a covered peril provides payment for the inability to use
property as a result of covered loss.  Limits vary (usually 20% of your dwelling).
Medical Payments Coverage (MedPay) will pay for medical expenses of others if
someone is injured on your property and does not want to sue you. MedPay is
also sometimes referred to as “Coverage F”.  The coverage is usually $1,000 per
person per covered event.
Home Insurance Houston 101:
What perils are covered under Basic Houston Homeowner’s Insurance Policy?
Basic Homeowners Policy, but expanded coverages are available with additional premium
for other Forms:

Fire or lightning
Windstorm of hail
Riot or civil commotion
Damage caused by aircraft
Damage caused by vehicles
Glass (limited coverage for HO-1 i.e., $50 per occurrence for breakage)
Smoke (but not smoke damage from fire place for HO-1
Vandalism or malicious mischief
PHONE: (281) 687-1704
What differentiates us from others is:

We are independent home insurance agents based in Houston, Texas, and we
only deal with top-notch insurance companies for home insurance Houston
policies.  We represent only "A/B" rated insurance companies.  We have
several home insurance Sugar Land - Houston companies to choose from.
How can you save money on your  home insurance Houston premiums ?
By taking advantage of the following discounts, which most companies offer:

Fire extinguishers
Fire and smoke alarms
Home and auto package
Monitored alarm
Deadbolt locks on all exterior entry doors
Sprinkler system
Paying electronically and automatically through a bank
Actual Cash Value (ACV):  The value of property at the time of loss or damage.  ACV may
be deducted as the replacement cost minus depreciation.

Deductible: The amount a home insurance policyholder must pay out of pocket for a
Depreciation: The estimated decrease in property value that happens over time due to
factors such as wear and tear, aging.

Endorsement:  Change in coverage in the original policy due to a provision or document
added to the policy.

Exclusion: Certain elements such as persons, property, and circumstances noted in the
property that are not covered by the policy.

Replacement Cost: Replaces the dwelling without consideration of depreciation and loss
in value due to factors such as wear and tear, and aging.  Payment is limited to the
maximum coverage amount.