Protect Your Home
Chances are your home is your most valuable investment, and one you likely can’t afford to replace if disaster strikes. That’s why protecting yourself with homeowners insurance is so important.
Your Home is your Castle
Your homeowners policy protects you against different risks that could damage your house or property. Burns Insurance Group will help find coverage for your home, your personal possessions, and most importantly, your loved ones - at a reasonable price.
A homeowners policy is made up of several types of coverage — some that are included automatically and others that you can choose to add as optional coverage.
Covers damage to the home and attached structures, such as a garage. Dwelling coverage does not include the land.
Covers stand-alone structures on your property, such as a fence, in ground pool, carport or tool shed.
This helps pay for temporary relocation and basic living expenses such as meals if a covered loss forces you to vacate your home during repairs. This type of coverage is also called “loss of use.”
Personal Property coverage pays to repair or replace belongings that are stolen or damaged in a covered loss. This includes things like your furniture, your clothes, and your dishes.
Liability coverage pays if you’re found responsible for others’ injuries on your property or away from home
This type of coverage covers injury treatment costs for guests who get hurt on your property.
OPTIONAL COVERAGES
- Water backup coverage: Covers damage caused by a burst pipe or other issues related to your abode’s plumbing.*Note that this coverage does not cover flash floods, only water that comes from the ground up.*
- Enhanced dwelling protection: This optional coverage protects your house’s structure. If there is a spike in the cost of construction, having enhanced dwelling coverage helps ensure you don’t have to dip into your savings to rebuild your home.
- Identity theft expense coverage: Helps reimburse you for expenses you incur while recovering from identity theft.
- Scheduled personal property endorsement: Covers high-end items that exceed your regular personal property limits, such as jewelry or fine art.
Perils covered by My Homeowners insurance
- Fire and lightning
- Windstorm or hail
- Explosions
- Riots
- Damage by aircraft
- Damage by vehicle (not your own)
- Smoke damage
- Vandalism
- Theft
- Volcanic eruption
- Falling objects
- Weight of snow, ice, sleet
- Damage from steam-heating/water-heating appliances/systems
- Leakage or overflow of water or steam
- Freezing of plumbing, heating, air conditioning
- Short-circuit damage caused by electrical appliances
My Homeowners Insurance Policy does not cover
- Flooding
- Property damage caused by termites, insects, or rodents
- A continuous water leak
- Losses that occur if your house is vacant for the number of days specified by your policy
- Damages caused earthquakes and earth movement
- Wear and Tear
Answers to Commonly asked Questions: Homeowners insurance
How much will I pay for Homeowners Insurance?
To determine your home insurance price, insurers typically look at the following: Rebuilding cost of your home. Age of your home. Distance between your home and the nearest water source. Fire protection rating of your city. Your claims history and the claims history of others in your neighborhood. Your coverages, limits and deductible. Items meant for fun or recreation that pose major injury risk, such as pools or trampolines.
What should the limits be on my Personal Property?
You usually want coverage limits that are at least 50% of your dwelling coverage amount. However, you can lower this limit if needed or purchase extra coverage if you think the limit isn’t enough to cover your belongings.
How do Homeowner insurance rates in Texas
Rates for homeowners insurance are the highest in Florida, Texas, and Louisiana.
Will my Claims check be reduced by the amount of my deductible?
Yes. Each time you receive a claims check, your insurer subtracts your deductible amount. For instance, if you have a $1,000 deductible and file a claim for roof repairs for $12,000, your insurer would issue a payment of $11,000. You would be responsible for the remaining $1,000.
should I choose replacement cost or Actual cash value?
Replacement cost coverage — the more expensive option — does not factor in depreciation when reimbursing you for stolen or damaged personal items. It pays to replace your belongings with new, similar items, up to your coverage limit. Actual cash value, on the other hand, bases claims payments on the depreciated value of your belongings. In other words, you get back the amount your valuables were worth at the time of the loss. Actual cash value is cheaper but offers less coverage. Keep these differences in mind when making this decision.
Does my homeowners policy cover Flood Damage
Flood damage is typically excluded under homeowners and renters insurance policies. Flood coverage is available as a separate policy both from the National Flood Insurance Program and from a few private insurers.
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