Homeowners Insurance

Homeowner’s insurance covers property damage and protects you and members of your household if you are sued for bodily injury or property damage. 

Are You Overpaying to be Under-Insured? If your home is insured by a “one-size-fits-all” insurance policy, you may be overpaying for protection that leaves you exposed to severe financial loss. The most likely underinsured risks you face are:

  • Inadequate replacement coverage to rebuild a home that is destroyed by a fire or other disaster listed in your policy. A guaranteed replacement cost policy will cover the cost to rebuild your home with similar quality materials and craftsmanship. Extended replacement coverage pays the full cost of restoring your home to its original quality, even if that value exceeds the coverage amount on your homeowner’s policy.   
  • Coverage for living expenses in the event you are temporarily unable to live in your home due to an insured disaster.
  • Insufficient coverage for jewelry and other valuable collections that are stolen, lost, or destroyed by an insured disaster. Your insurance coverage should include loss as well as theft of the item.
  • Insufficient liability protection in the event of a lawsuit. Standard homeowner’s policies often limit liability coverage to $100,000.  The cumulative value of your property, savings and investments may exceed the limits of your homeowner’s policy, making you vulnerable if you are sued. 

Contact a HUB Personal Insurance broker to review your family’s personal insurance program. Our specialists will provide a personalized recommendation for insurance coverage that’s tailored to your needs.

Learn more about Risk Management Resources for Homeowners.


Related Coverages

Auto Insurance    Boat Insurance   Renter's Insurance Flood Insurance 


"The service after my recent accident could NOT have been better.  Karen Eaker was, as always, right on top of things and took great care of us.  I am SO happy that we became HUB clients one year ago.  She has helped me in so many ways, including getting the whole WPI 8 windstorm issue solved.  It turns out we had been paying an additional $500 annual premium for the past 8 years, which my previous agent never pointed out to me, much less help me wade through the field of land mines to get the problem addressed!  I would readily recommend HUB to any of my friends.  Even better, when I count my blessings I count Karen Eaker!" - J. Coe - Dallas, TX

“Due to a recent job-related relocation, I was in the market looking for insurance for the home we purchased in Houston. My realtor recommended I contact Carrie Ousley of HUB International. In the course of developing the insurance package for our Houston home, it became clear that HUB had a broad offering of insurance products and could write policies in many states. This allowed me to embark on a process of consolidating my insurance needs under one secure roof and dramatically simplifying my situation. HUB was able to provide homeowner’s insurance for my principal residence in Houston, as well as additional properties in two other states. In addition, they provided Auto, Flood, Earthquake, Valuable Items, and Liability insurance.

HUB simplified a complicated situation at a superior price, and did so in an expedient and highly professional manner. They were even willing to personalize their offering to land my business. I am very pleased with the service and the products and highly recommend HUB to others.” – R. Barnard – Houston, TX

“I want to say that you have an incredible staff. I have had my insurance with PLI/HUB for probably 15 years and have always been completely satisfied with the prompt and courteous customer service. I have filed very few claims in my lifetime but this year we filed two - one auto and one homeowners. Karen Kay walked me thru each incident, providing me with whatever information I needed. Quite honestly, I feel like she is more like a friend than an agent.” – L. Monks – Austin, TX

“We want to take the time to thank you for the advice and direction you gave us regarding our main residence in Houston when we purchased our weekend house in Galveston. It never dawned on us that our main residence would be devastated by a house fire caused by faulty electrical wiring. However, at midnight on March 25th, 2011 we were awakened at our home in Galveston with the news that our house in Houston was on fire. I called and you met us in the middle of the night. You had us covered with the proper insurance coverage and with the right insurance company, Fireman’s Fund. They assured us that everything would be covered and not to worry. They have been great! Thanks to you we were directed to the right insurance company and coverage. We never thought of or planned on what to do in the event of a house fire. We are forever thankful for your foresight.” - C. Freeman - Houston, TX