Texas Homeowners Insurance Information

Texas Homeowners Insurance Policy Information

Whether you own a house, condominium or townhouse, for most people
their home is their most important investment. Barhorst Insurance Group
offers Texas homeowners insurance policies that have flexibility to meet
your individual needs and above all, provide you with the security that
comes only from the knowledge that your home is safe.

Insurance for your home is one of the most popular and important forms
of personal insurance and the typical Texas Homeowners Insurance
policy has two main sections:

Section I - insurance coverage for your property

Section II - personal liability coverage (to cover you in case of lawsuits
arising from things that happen on your property)

Homeowners insurance is often required by lenders to obtain a
mortgage and nearly everyone, whether you own or lease property,
should have the protection of homeowners insurance.

Texas Homeowners Insurance Policy FAQ

Click on the link below to fill out a secure quote request form for a
Texas Homeowners Insurance policy that will provide excellent
insurance coverage at an affordable cost. Or you can speak with
our Texas Homeowners Insurance agent specialist toll free at (800)
582-4368 to discuss the features.

We are your local Houston, Texas area insurance agency, offering affordable homeowners
insurance policy premiums in the following cities and counties: Pasadena, Deer Park,
Pearland, Galena Park, Jacinto City, La Porte, Bellaire, West University Place, North
Houston, Cloverleaf, Beaumont Place, Spring Valley, South Houston, Hilshire Village,
Humble, Houmont Park, Friendswood, League City, Alvin, Mission Bend, Sugar Land,
Stafford, Missouri City, Texas City, Webster, Dickinson, Baytown, Channelview, Highlands,
Seabrook, Bacliff, La Marque, Jersey Village, Town West, Westfield, Kingwood, Spring, The
Woodlands, Liberty, Conroe, Tomball, Hempstead, Galveston, Crystal Beach, Lake Jackson,
Algoa, Santa Fe, Juliff, Arcola, Needville, Katy, Dayton, Angleton, Beaumont, Port Arthur,
Bammel, Kohrville, Manvel, Bay City, Beasley, Rosenberg, Richmond, Orchard, Fulshear,
Brenham, Addicks, Brookshire, San Felipe, Hockley, Prairie View, New Caney, Beach City,
Nassau Bay, Harris County, Fort Bend County, Brazoria County, Galveston County,
Montgomery County, and Liberty County, TX. We also offer homeowners insurance services
throughout the state of Texas, including in El Paso, Austin, Abilene, Dallas, Ft. Worth, Irving,
Garland, Plano, Richardson, Carrollton, Grand Prairie, Lancaster, Duncanville, Cedar Hill, De
Soto, Mesquite, Lewisville, Grapevine, North Richland Hills, Mansfield, Euless, McAllen,
Weslaco, Alamo, Donna, Edcouch, Elsa, Edinburg, Hargil, Hidalgo, Sullivan City, Santa
Rosa, San Juan, Pharr, Mission, Mercedes, San Manuel, La Feria, Harlingen, Brownsville,
Taylor County, Dallas County, Tarrant County, El Paso County, Hidalgo County, Cameron
County, and the metro area of San Antonio, TX.

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance
needs should be discussed with a licensed insurance agent.

Personal liability in a Texas homeowners insurance policy is also an important part
of having security from accidents that may occur on your property. We suggest you
choose coverage limits that are not less than those on other liability insurance you
own, such as car insurance.

Click on the link below to fill out a secure quote request form for a Texas
Homeowners Insurance policy that will provide excellent insurance coverage at an
affordable cost. Or you can speak with our Texas Homeowners Insurance agent
specialist toll free at (800) 582-4368 to discuss the features.

Covered losses under a Texas homeowners insurance policy can be paid on either
a replacement cost basis or on an actual cash value basis. When "actual cash
value" is used, the policy owner is entitled to the depreciated value of the damaged
property. Therefore, the older the item is, the less money you may receive for it. If
you choose the "replacement cost" coverage, the Texas homeowners insurance
policy will reinburse the amount it costs to replace the property with something of a
similar type and quality at current prices.

Replacement Cost or Actual Cash Value

Texas Homeowners Insurance Policy FAQ

An "All Risks" policy provides the broadest Texas homeowners insurance protection
because it will cover losses that are due to any peril except those specifically
excluded in the policy. A "Named Perils" policy covers losses that are due to only
those perils listed in the standard Texas Homeowners Insurance policy and typically
include fire, hail, windstorm, and other physical losses.

All Risks or Named Perils

Texas Homeowners Insurance Policy FAQ

If your policy limit is less than 80% of the replacement cost of your home, you
will face a "coinsurance penalty," which means you'll have out-of-pocket
expenses to cover costs beyond the policy deductible you chose. For example
purposes we will assume your home's estimated replacement value (RCV) is
$100,000. The co-insurance clause requires you carry at least $80,000 (80% of
your RCV). If you chose to purchase only a $40,000 Texas Homeowners
Insurance policy you would be underinsured by half. Therefore, in the example
the insurance company would pay one-half of a loss less the policy deductible,
so if you suffered a $10,000 covered loss to your house, condominium or
townhouse and had a $500 deductible, your policy would only pay $4,500.