6 Types Of Homeowners Insurance: Must-Haves

​One of the greatest investments you might make is your home. In catastrophes, this investment can only be protected by homeowners insurance. In ensuring you're covered, here are some of the must-haves for homeowners insurance.

1. Comprehensive Policy
   A comprehensive perils policy is a must-have for truly comprehensive coverage insurance. Comprehensive perils policy only has a particular type of damage it can cover, specifically in the policy. This policy may cover the most common issues, like fire and theft, and includes anything that needs to be named. To use the policy, ensure that a named peril did the damage first. 
   
   
2. Right Price
   Another must-have of homeowners insurance is having the right price. Paying a little more is only sometimes a guarantee you'll get the best. So you must know which is right and worth it for your home. 
   
   
3. Simple Deductible 
   A good homeowners insurance plan must-have is a simple deductible. Having a single, easy-to-understand deductible is best when facing a disaster in your home.
   
   An example of a deductible is insurance which features a separate deductible for coverage like tropical storms. This kind of plan can have unreachable deductibles that can cause trouble for the homeowners instead. 
   
   
4. Personal Injury Liability
   Homeowners' insurance should also keep you protected from potential personal injury lawsuits. Personal injury liability insurance may be common, but some homeowners insurance has this separately. Avoid paying for accidents as early as possible by checking if your policy offers coverage.
   
   
5. Guaranteed Dwelling Replacement Cost
   Regardless of the cost, guaranteed home replacement is a must-have in homeowners insurance plans. It would help if you didn't settle for half-completed repairs for your home investment. Ensure you can guarantee that your insurance may fully pay to replace your home, whatever the cost.
   
   
6. An Agent Who Knows the Plan
   Don't settle for less, even when choosing the agent. A homeowners insurance agent must know your plan and can explain it clearly to you. You don't just choose the insurance; you also choose the agent who knows the plan well.

Conclusion
Acquiring the right price is only part of getting homeowners insurance. It's best to guarantee your home is protected in an emergency. Homeowners insurance is also there to ensure all those who live in it will benefit. 

At Auto Express Insurance, we do our best to make sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (832) 232-4655 or CLICK HERE to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!