Homeowners Insurance in Clute & Houston, TX
A home is often a person’s largest investment, and homeowners insurance is designed to help manage the risks that come with ownership. From storm damage to guest accidents, unexpected events can lead to costly repairs or liability concerns. A policy offers financial support for these situations, making it a key part of insuring both your property and your financial stability.
What Homeowners Insurance Covers 
While policies vary, homeowners insurance commonly includes the following coverages:
- Dwelling coverage may help repair or rebuild your home after a covered loss such as fire or windstorm.
- Personal property coverage may assist with replacing belongings like furniture, appliances or electronics.
- Liability coverage may step in if you are found responsible for injuries or property damage to others.
- Additional living expenses coverage may help pay for housing and meals if you cannot stay in your home due to a covered event.
- Other structures coverage may apply to detached garages, fences or sheds.
The 80% Rule in Homeowners Insurance
Many insurers follow what is known as the “80% rule.” This guideline states that in order to receive full coverage for partial losses, your dwelling coverage should equal at least 80% of your home’s replacement value.
If your coverage amount is below this threshold, your insurer may only pay a portion of the repair costs, even for smaller claims. For homeowners, this highlights the importance of regularly reviewing and updating coverage to keep pace with changes in construction costs and home values.
Request a Quote Today
Homeowners insurance is an essential step in preparing for the unexpected. At Nolasco Insurance & Tax Services, we can explain coverage options and help you select a policy that fits your needs. Contact us today to request a homeowners insurance quote.