Home Insurance in Texas and California

Choosing the right coverage for home insurance in Texas and California can be challenging. With so many options to select from and numerous insurance providers available, you may find yourself asking what kind of coverage is needed. While home insurance policies typically aren’t required by law, most mortgage lenders require their borrowers to protect the asset with at least some degree of insurance protection. To get started, most residents get a policy that includes structural, property, and liability coverage. Learn more about these common coverages and exclusions to determine which policy might work best for you.

What Kind of Coverage Should I Get?

Knowing what coverage to get starts by understanding what homeowners insurance is. The purpose behind a homeowner’s or renter’s policy is to protect you financially if an accident or incident occurs at your property. Review the following coverage types to get a better idea about what you might need:

  • Structural:This is the most common type of home insurance. Structural coverage protects the interior and exterior structure of your home along with attached structures like garages or patios.
  • Personal property:This coverage is for belongings that need repairing or replacement.
  • Medical: Including this policy helps with liability costs for individuals or pets injured on your property.
  • Living expenses:This goes towards the cost of temporary living while your home is repaired.
  • Structural/other:On-site structures such as sheds or fences may fall under this coverage.
  • Natural disaster: In general, homeowners should add flood or earthquake insurance separately from their home policy if natural disasters are common in their area.
  • Renter’s insurance: If you are renting your home or apartment, you are entitled to get coverage for your living space just as much as any homeowner. Renter’s can gain similar property and liability protections as individuals who own their homes.

Are There Any Exclusions in a Home Insurance Policy?

When choosing a home protection policy, talk to your provider about the exclusions in your coverage. Items excluded from homeowners insurance are generally the same but may vary from state to state or company to company. These common exclusions may get you thinking about which separate insurance coverage options you may need in your particular living situation:

  • Flooding:Unless you specifically purchase flood insurance, a standard house insurance policy will exclude flood coverage, even flooding caused by home appliances such as a washer machine or a clogged drain.
  • Earthquakes:Even if you live in areas susceptible to earthquakes, landslides, or sinkholes, your insurance company will not be responsible for these coverages unless they are added separately to your policy.
  • Pest damage:Damage done by nesting animals or bug infestations generally do not fall under the umbrella of homeowners insurance.
  • Fungus or mold: Gaining compensation for mold or fungus is unlikely as both are considered exempt.
  • Wear and tear:As your home ages, some things are expected to deteriorate over time. The wear and tear of your home is your own responsibility and will not be paid for by a home insurance policy.
  • Intentional damage:Whether done intentionally or caused by neglect, your home policy does not offer reimbursement for purposeful or careless damages done.

Choose a Reputable Provider

Choosing a policy for home insurance California starts with comparing rates for the coverage you need. Contact Cerus Insurance Services online or call us today to get a free quote!

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Cerus Insurance Services is here to help you with your insurance needs in Texas and California