Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Personalized Home Insurance for the Dallas/Fort Worth Metroplex
The Dallas/Fort Worth metroplex is home to an exploding real estate market, and it’s just part of the significant population growth that Texas has experienced in the last decade. With plenty of property available, it’s not difficult to buy or build your dream home. However, you must protect what will turn out to be a significant investment with the right home insurance.
Abacus Insurance is the agency of choice for countless Dallas/Fort Worth homeowners. We offer quality property & casualty insurance policies designed to meet every individual’s unique coverage needs. We strive to earn your trust and keep it so that you will know that you can always rely on us to help you build a well-oiled, customized homeowners policy.
For a fast policy quote, click here or just reach out to one of our agents by calling (972) 600-8460.
More About Homeowners Insurance
With the appropriate homeowners insurance, you’ll have protection against the costs that might arise following multiple hazardous events on your property. Therefore, your coverage will enable you to afford the costs of recovering from these losses without putting too much of your personal money on the line. In the end, your policy will be a massive source of protection for multiple reasons.
What does homeowners insurance cover?
Property damage risks and other liabilities are numerous throughout your property, which is why you’ll need several types of homeowners insurance to achieve an adequate level of protection. These include:
Dwelling Insurance: If your home gets damaged in an event like a fire, severe weather event or home break-in, then you can use this coverage to repair damage to the structure.
Other Structures Coverage: Besides your dwelling, you will need to insure items like detached carports, storage sheds, gazebos and other items on the property.
Contents Insurance: To insure your belongings, you will use this coverage and can choose a policy limit that reflects the total value of assets within the home.
Loss of Use Insurance: Following a problem in the home, you might have to vacate the premises until you can make repairs. This coverage can pay for extra living expenses that arise.
Liability Insurance: If you negligently cause harm to visitors to your home, this coverage can compensate that person. The policy will often cover bodily injuries, property damage, personal injuries like libel or slander and even pet bite liabilities. It can also provide legal assistance if someone sues you.
Different types of policies can offer different benefits. If you own a condominium, mobile or manufactured home, then you will be able to customize your policy so that it applies specifically to the unique dwelling. Renters insurance is another policy option which will provide contents, liability and loss of use coverage without burdening you with structure coverage for a dwelling you don’t own.
How much homeowners insurance do I need?
All homeowners policies will offer numerous limits and deductible options that you can customize to your benefit. Therefore, it helps to work with your agent to determine with coverage options are best for you. They can guide you through ways to tailor your policy to include scheduled items riders, special damage endorsements and expanded liability coverage.
Is home insurance required in Texas?
Many mortgage lenders will require you to buy a homeowners insurance policy before they will approve your loan application. Therefore, if you want to finance your home, then you will likely have to buy a policy and keep it for the duration of your loan.
Still, the risks of going uninsured are incalculable, and regardless of requirements you should have no second thoughts about whether to buy homeowners insurance. Your policy will provide substantial benefits, and with the right assistance provided by your home insurance agent, you can receive help choosing the policy that offers you the most affordability for your chosen benef