Why You Need Home Insurance

fAs a new homeowner in Victoria, TX, you may be wondering whether or not to purchase home insurance. If you’ve taken out a loan for your home, insurance coverage may be required by your mortgage company. Otherwise, the option of insuring your property is up to you. Here’s how a home insurance policy from Atzenhoffer Insurance Agency can protect what’s important to you.

Home Insurance Coverage

Standard homeowner’s insurance can protect your home, belongings, and financial assets from liability claims and lawsuits.  

  • Dwelling – This coverage protects your home structure against perils that are common in Texas like wildfire, tornado, tropical storms, etc. If your home is struck by one of these disasters, dwelling insurance will help pay for repair costs up to the limits on your policy. Ideally, you should purchase enough dwelling insurance to rebuild your Victoria, TX home, if it’s lost in a disaster.
  • Property – Property insurance protects your possessions to include wardrobe, furniture, appliances, electronics, and other items. A standard policy covers theft, vandalism, and many types of disasters. If your goods are costly to replace, property insurance can save you thousands of dollars or more out of pocket.  
  • Liability – Liability insurance protects you against accidents that cause injuries to visitors on your property. If a friend slips on your driveway and hurts his back, liability insurance will pay his medical costs, saving you from this financial burden. You never know when an accident will happen. That’s why it’s essential to be prepared with insurance coverage.

Why You Need Home Insurance  

If your home, goods, and financial security is important to you, home insurance is a must. With home insurance, you can face the future with confidence, knowing you’re protected against the unexpected.

To purchase coverage for your Victoria, TX home, call or visit Atzenhoffer Insurance Agency today.