Home Insurance in Texas

Your home is a haven for you and your family to create a lifetime of memories. Your home is a significant investment hence it is vital to understand the home insurance coverage available. Whether it’s a policy for your first home or the one of your dreams, Nest Insurance Agency in Amarillo, TX will help you protect your possessions with a policy that suits your preferences.

Types of Home Insurance Coverage Policies

A Texas home insurance policy covers you beyond just the house structure. Personal belongings, liabilities to visitors, and temporary living expenses are also included.

Dwelling

This coverage pays for repairs, and the rebuild of your house and the structures attached to it in case they are damaged by a loss covered under your policy.

Other structures

This policy covers payments for repairing or rebuilding structures unattached to your house such as a garage, swimming pool, fence, or sheds. It covers the structures against specific causes of loss such as fire, wind, tornadoes, falling objects, and much more.

Personal property

This coverage policy pays for private items in the house that are stolen, destroyed, or damaged by a covered incident. Items that may be covered include clothes, furniture, electronics, tools, appliances, and any other specified equipment. An additional coverage is required for high value items such as art, jewelry, silverware, and other expensive items.

Personal liability

This policy protects you in case someone sues for claims of property damage or injury while in your house. It covers the cost of damages and legal fees.

Additional coverage for slander, libel, or other lawsuits apart from injury and property damage can also be included.

Loss of use coverage

It pays for any additional living expense incurred when you are forced to vacate your home when it’s being repaired or rebuilt. It can pay for hotel costs including the meals.

Regardless of where you live in Texas, you can visit our offices in Lubbock or Amarillo, TX to acquire a home insurance policy based on your situation. Getting an online auto quote from Nest Insurance Agency is also easy and quick. Try our online rating tool for quotes on auto and home insurance from home.