Dallas Home Insurance
Dallas Home Insurance for homeowners can be found at TexasInsurance.biz operated by Woods Insurance Agency in the DFW area.
Our specialty is Homeowners and Auto Insurance and we are a full line independent insurance agency with many top A-rated companies to offer you more choices and options for your unique insurance needs.
Remember, Allstate, Farmers, and State Farm can only offer you their product. Let us shop our companies for the best rates for you. You can call our offices or visit our links above to get quotes on your auto, home, life, health, commercial, builders, truckers, plus more. We write and have customers all over Texas!
Call 888-221-2640 or metro 817-221-2640
Start your quote now!
What Home Insurance Covers
The typical homeowners insurance policy has six types of coverage. They are commonly known as:
- Coverage A: Dwelling, for damage to your house that occurs due to covered losses, such as a fire. Following a covered loss, dwelling coverage helps you repair or rebuild your home, including the structures, such as a garage or a deck, attached to it.
- Coverage B: Other Structures, for damage to other buildings or structures on your property that result from a covered loss, such as a tornado. This may include a detached garage, a barn or a fence.
- Coverage C: Personal Property, for damage to or loss, including theft, of your personal belongings and possessions, such as jewelry, furniture, guns and other valuables. If you experience a covered loss, this coverage will help you replace items up to the defined dollar limit in your policy. In certain instances, your belongings may be worth more than the typical home insurance policy covers. In this case, you may be able to purchase additional coverage through a process known as “scheduling valuables.” To help expedite a personal property claim, it helps to keep an updated home inventory of your belongings.
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- Coverage D: Additional Living Expenses, for costs incurred, up to your set policy limit, due to “loss of use” of your home, meaning your home has been damaged to the extent that you cannot live in it and you need to live elsewhere. This coverage helps you handle the costs of your temporary housing and related expenses.
- Coverage E: Personal Liability, for damage to other people’s property for which you are responsible. This coverage may also help you handle legal costs and liability judgments resulting from a lawsuit, up to the defined dollar amounts outlined in your policy.
- Coverage F: Medical Payments to Others, for bodily injuries to other people, such as a houseguest, that occur in your home or on your property. Like personal liability coverage, this coverage helps with the costs of a lawsuit or legal decision, up to your defined policy limits.
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Call 888-221-2640 or metro 817-221-2640
