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Homeowners Insurance Policy in Texas

One of the most important aspects of keeping up your home is protecting it with Homeowners Insurance. Although you try to brace your home against possible accidents and disasters, it is impossible to avoid everything. That is why you need a home insurance policy reliable enough to cover your items, belongings and family. The Walls Insurance Agency, LLC. is an independent agency dedicated to creating long-lasting relationships with each client. We will work closely with you to tailor a home insurance policy fit for your insurance needs and your budget.

What Does Homeowners Insurance Cover?

A typical homeowners insurance policy may include coverage such as:

  • Dwelling Coverage: Dwelling coverage provides compensation for damages to the physical home and its attached structures.
  • Personal Belongings Coverage: Personal belongings coverage provides compensation for loss of or damage to your personal items.
  • Liability: Liability insurance covers bodily injury and property damage someone else may suffer on your home’s property.
  • Additional Living Expenses: Additional living expense (ALE) coverage provides compensation if you must temporarily move after the home is rendered uninhabitable after a disaster.

How Much Homeowners Insurance Coverage Do I Need?

Everyone’s insurance needs are different, especially depending on your location and the value of your home. In general, it is recommended that you carry enough home insurance to cover the total replacement cost value of your home.

The total replacement cost value of your home is how much it would cost to completely rebuild the house after a disaster, including building and material costs. You may have seen this term in relation to the 80% rule in home insurance. The 80% rule states that you must carry at least 80% of your home’s total replacement cost value in home insurance, otherwise you may have gaps in your coverage when it comes time to file a claim.

Insure with The Walls Insurance Agency

Contact us today! Call us at (512) 647-2338 or fill out an online quote form to get started.

Frequently asked questions ABOUT HomeOwners Insurance

Homeowners insurance costs vary heavily depending on several different factors, including your location, coverage limits, deductible, the value of your home, credit score and more. Fill out an online quote form to see how much you can save on homeowners insurance. 

Ideally, you should purchase home insurance by the time you are ready to sign on a home. This guarantees that you will be covered before even stepping inside. 

There is no set limit to how many homeowners insurance you can claim. On average, you should not file multiple homeowners insurance claims in a short amount of time. Filing more than three homeowners insurance claims within a five year period may raise some red flags for your insurer. 

Homeowners Insurance policies may automatically renew each year as long as you continue monthly premiums. 

Don’t wait until after an accident to get the coverage you deserve. Call The Walls Insurance Agency, LLC. at (512) 647-2338 or fill out an online quote form to get started.

CONTACT US

Select from our online tools or give us a call. Chat, text or discuss via phone, your choice!

Online Quote

Fill out a quick quote form and we will send you a quote. You can select one or multiple quotes or upload your existing policy for better coverage or beat the price.

Message via WhatsApp

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Call: (512) 647-2338

Call us and we will discuss your insurance needs and create a tailored policy plan with competitive pricing.

Email Us

You can also email us here for questions and for a detailed quote.

Book a Meeting

If you prefer to discuss insurance options face to face or online, contact us to schedule a meeting!

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Existing Policy Document

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