Is your home actually covered for what you think?
Homeowners insurance is one of the most vital policies you will ever own, and it is essential to understand that no two policies are the same.
4 min read · Moreno Insurance Agency, San Antonio
The part people assume is bigger than it is
Different insurance companies offer various levels of coverage and different conditions. This is where an experienced agent makes all the difference.
Your home insurance policy is designed to protect you financially from losses due to fire, theft, vandalism, and other covered events. It also provides liability protection if someone is injured on your property.
Dwelling is not a guess
Dwelling is the portion of your policy that protects the physical structure of your house. We will perform a detailed replacement cost analysis to ensure you have enough coverage to rebuild your home if the worst were to happen.
Other Structures covers any structures on your property that are not attached to your main house, such as a detached garage, shed, fence, or driveway.
The three that get forgotten
Loss of Use: if a covered loss makes your home unlivable, this coverage helps pay for your temporary living expenses while you are displaced.
Medical Expense pays for medical expenses for guests who are injured on your property. It does not cover medical costs for you or members of your household.
Scheduled Personal Property: for high-value items like jewelry, fine art, or collectibles, you can add special coverage to ensure they are fully protected.
If you rent the place out, it is a different policy
If you need coverage for a rental property or a home that is vacant, you will need a specialty dwelling policy instead of traditional homeowners insurance. We can help you with that as well.
Read the full coverage page, or start a quote and we will walk you through it on the phone.