Insure Your Home Against Damage

The value of homes in Round Rock is rapidly rising, with home listing prices up nearly 60% year over year. Home insurance in Round Rock TX provides owners with the peace of mind that this large asset is insured against property damage. HUB International provides homeowners insurance as well as coverage for valuable possessions such as fine art, jewelry, vehicles and watercraft. HUB brokers build policies that provide peace of mind to Round Rock homeowners.

Rising Home Values In Round Rock

Home insurance in Round Rock TX protects your residence. Hazards posed by covered perils cause damage that affects the habitability and comfort of your home and could potentially diminish the value of your residence in the long run. Here are a few risks that most homeowners insurance policies cover: 

• Fire damage: Fire is one of the most potentially destructive sources of damage to a residence in Round Rock. When Williamson and Travis counties are in periods of drought, fire damage may be more likely to occur. Home insurance policies also cover internal fire hazards.
• Water damage: Water can also cause major problems in a home that range from cosmetic to structural damage all the way to an increased risk of mold. It is important to quickly mitigate and restore water damage to avoid secondary damage that may not be covered under a standard homeowners policy.
• Storm damage: Storms are a likely cause of damage to homes in Round Rock. Severe weather may result in external or a combination of external and internal damage to a residence.

What To Look For In a Homeowners Policy

The best home insurance policy for a domicile in Round Rock provides adequate coverage for incidents ranging from minor but significant property damage to reconstruction. Policyholder deductibles and premiums vary based on policy type and endorsements, riders or supplemental coverage for a property. Ensure that your home stays in good condition by maintaining coverage for all of the following measures:

• Damage mitigation: A home insurance policy through HUB International will offset the cost of reducing the severity of damage. The number of properties in the Round Rock or Greater Austin metro area affected by adverse weather may result in delays prior to restoration.
• Home restoration: Restoration starts with cleanup and continues through structural work and content cleanup and replacement. Select a policy that covers significant restoration work all the way up to reconstruction.
• Home rebuilding: Major damage caused by a covered peril may necessitate rebuilding a residence in Round Rock. A HUB broker will recommend policies with limits that correspond to the value of your home. 
• Living expenses: In the event of major damage, homeowners insurance can cover the cost of temporary relocation to a hotel and meals away from home. Check your policy for this benefit.
• Property repair: The contents of a home may require repairs. Review policy limits to determine whether you need additional coverage.
• Property replacement: When you need to replace property, policies that cover replacement value or an agreed value can be invaluable. Ask us about options for replacing any loss.

A HUB International personal insurance broker can help you select the right home insurance in Round Rock TX. Customize coverage for protection from other hazards such as flooding and sewer backups or get a personal umbrella policy.