10 Things You Didn't Know Texas Homeowners Insurance Covers!

Service Insurance Group, a leading provider of personalized insurance solutions, today highlighted the often-overlooked benefits and covers provided by Texas homeowners insurance policies, aiming to enhance awareness and understanding among Texas homeowners.

Understanding Your Homeowners Insurance Policy

While most homeowners are aware of their insurance policy's basic coverage, many are surprised by the lesser-known protections that come standard in Texas. From accidental damages to unique provisions for other structures, Texas homeowners insurance offers comprehensive safety nets that go beyond the conventional coverage scope.

Key Inclusions in Texas Homeowners Insurance:

• Surprising Protections: Coverage extends beyond fire, theft, and storm damage, safeguarding homeowners against unexpected occurrences such as damage from falling objects and the weight of snow or ice.
• Liability Coverage: Ensures that homeowners are protected from financial losses if they are legally responsible for causing injury or property damage to others.
• Additional Living Expenses: Provides support for living expenses if the home is uninhabitable due to a covered loss.

Do Texas Homeowners Insurance Policies Cover Flood Damage?

A common misconception among homeowners is that their insurance covers flood damage. It’s crucial to note that flood damage typically requires a separate policy. Homeowners are encouraged to consult with knowledgeable insurance agents to understand the nuances of flood coverage and ensure they are adequately protected against potential risks.

Expert Tips from Experienced Insurance Agents

"Many homeowners may not be aware of the breadth of scenarios their policies cover," states Bradley Hurt, owner of Service Insurance Group. "For example, should a tree unexpectedly fall and damage a fence, or should a power surge ruin major appliances, Texas homeowners insurance is likely to cover the repairs or replacements. Engaging in regular policy reviews is advised to ensure coverage meets current needs. Additionally, considering supplemental policies for exclusions like flood damage is a crucial step in safeguarding one's home against all potential risks."

Ten Surprising Things Covered by Your Homeowner's Insurance

1. Food Spoilage: Coverage for refrigerator contents after a power outage.
2. Credit Card Theft and Forgery: Liability protection against unauthorized transactions.
3. Gravemarkers: Coverage extends to damaged or vandalized gravestones.
4. Falling Objects: Protection against damages from objects falling from the sky.
5. GPS Recovery: Assistance with GPS tracking and replacement if stolen from your vehicle.
6. Landscaping: Certain policies cover landscaping damages by specific risks.
7. Lock Replacement: Costs covered if keys are stolen or lost.
8. Volcanic Eruption: Damages from volcanic ash and related disasters.
9. Meteor Strikes: Comprehensive coverage for extraterrestrial objects.
10. Mandatory Upgrades: If local laws require home upgrades after a covered loss.

Navigating Insurance Policies with Service Insurance Group

Understanding the full extent of what your homeowners insurance can cover is vital for making the most of your policy. Service Insurance Group is committed to helping Texas homeowners navigate their insurance options, ensuring they receive the most comprehensive coverage tailored to their unique needs.

To unveil surprising benefits of Texas homeowners insurance, visit Service Insurance Group’ blog post at “10 Things You Didn’t Know Texas Homeowners Insurance Covers!”

About Service Insurance Group 

Service Insurance Group is an independent insurance agency based in Texas, dedicated to providing tailored, personalized insurance coverage solutions. With a focus on competitive pricing and comprehensive policy options, Service Insurance Group ensures every client receives optimal protection designed for their specific requirements.

If looking for any type of personal or business insurance, the Agents at Service Insurance Group shop for the right personal or business insurance policy to fit individual needs – call them at (979) 300-7345 to get a quote!

Contact Information:

Service Insurance Group

3840 Corporate Center Dr
Bryan, TX 77802
United States

Brad Hurt
(979) 774-3900
https://www.sigbcs.com/