Welcome to Space City. First-time homeowners and Houston residents looking for a more affordable policy deserve quality Houston home insurance. Find out how to protect your home from common risks in the area and what features you can alter to personalize your policy. Don’t leave your investment unprotected but enjoy peace of mind with an insurance policy designed with you in mind.
Insure Against Common Risks
There are several risks that every homeowner face, and some that are unique to residents of Houston. Here are some common risks that you should be aware of and have insurance coverage that protects:
Flooding: Hurricanes, tropical storms and other local features can quickly flood homes with feet of water. Flood insurance is excluded from normal Houston home insurance policies, so ask about adding it to your policy in Houston. This can help you receive the funding you need to clean up after a flood and restore your home.
Fire: A fire is a threat to any home. Typically caused by wiring issues, kitchen accidents or other fire hazards in the home, a fire can cause significant damage. The resulting smoke can also damage your home and create a large cleanup bill without proper insurance coverage. Be sure your policy includes complete replacement costs in the event of a fire that compromises your entire building.
Wind: Strong winds can rip shingles off roofs and send tree branches crashing into homes. Protect your investment from natural disasters with the right coverage.
Cold temperatures: While less frequent in Houston than other areas, freezing temperatures can still affect your home. Freezing temperatures without proper heating can cause water lines to burst and flood your basement, crawl space or rooms in your home.
Theft and vandalism: Theft can be an unfortunate reality as a homeowner. Security systems may not be enough, so include theft and vandalism coverage in your Houston home insurance policy for added peace of mind.
Your home should be your sanctuary. There are steps you can take to reduce these risks but having peace of mind requires insurance. Work with a local HUB broker to review your current Houston home insurance policy to see if there are any gaps in your coverage that we can fill.
How To Personalize Your Monthly Premium
Houston home insurance varies considerably depending on your type of home, your desired monthly premium and risks you wish to avoid. Compare these different policy features to determine the best combination for your home:
Each of these features cover a different aspect of your home investment. From your detached garage to jewelry that may be lost or stolen away from your home, determine the types of coverage you wish to add to your policy. You can adjust the value of the policy or choose a guaranteed replacement cost option to ensure you can completely restore your building in the event of a disaster.
If you wish to reduce your monthly premium, ask about specific risks or policy features that you can adjust or remove. By adding a deductible, reducing the structures covered or removing a particular risk from your policy you can reduce your annual costs considerably. Alternatively, you can add more features to your policy to reduce the risk of paying out of pocket for any damage that may occur.
Get a Quote
At HUB International, we offer tailored Houston home insurance options for homeowners in every situation. Find your ideal policy today.