Home Insurance

In the event that something happens to your home, whether it's structural fire damage or lost property, a home insurance policy from Salgado Insurance has you covered. However, this depends on the policy you choose, the state you're in and whether you opt for any additional coverage.

Perils

Home insurance policies cover damage from various "perils," which are essentially causes of damage. The perils covered by your particular policy depend on the policy and the state you live in. In general, Texas home insurance policies cover damage from fire and lightning, explosion, accidental smoke damage, theft, vandalism, riot and civil commotion, aircrafts and other vehicles, sudden water damage, and windstorm, hurricane and hail insurance, although this may not be part of your policy if you're right on the Gulf Coast.

What's Covered

Most homeowner's insurance policies are broken down into a few main types of coverage. These include dwelling coverage and other structures coverage.

• Dwelling coverage is the basic form of coverage that protects the structure of your home and will cover you in the event that fire or a windstorm damages your home.
• Other structures coverage covers anything that isn't attached to your home, which includes unattached garages, sheds, and carports.
• Personal property coverage covers the loss of any personal property due to a covered peril.
• Liability protection provides protection in the event that you're being sued because somebody was injured in your home.

What's Not

Most home insurance policies exclude the same basic perils. In Texas, you aren't covered for damage from flooding, earthquakes, insects or pests, frozen pipes due to negligence, mold, slow water damage, or wear and tear. You will have to pay for this damage on your own.

Now that you know how homeowners insurance works and how important it is, it's time to get covered. Call Salgado Insurance or visit our website to learn more about Texas home insurance policies and get a free quote today.