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Home Insurance Kingwood | Guarantee the Best Rates and Coverage

Home Insurance Kingwood


Home Insurance Kingwood

Are you looking for Home Insurance in Kingwood? For most Americans, purchasing their homes is one of the most significant purchases they will ever make in their lifetime. Another complimentary purchase that is mandatory along with a home is homeowners insurance. Home insurance is an essential tool that allows homeowners get some peace knowing that their investment is in safe hands. Most people think that insurance is the same across the country. The truth is that every state has its own insurance policy. If you are looking to purchase a home in Kingwood, Texas, then you need to know everything you can about home insurance in the state.

What Coverage is Provided by Homeowners Insurance?

Homeowners insurance protects the home and its belongings from damage. But, not all homeowners insurance policies are the same and not every policy covers all perils. Thus, before purchasing homeowners insurance, you need to know what the insurance policy covers and what additional coverage you might need.

Standard homeowners insurance will cover some of the common perils such as fire, hail, vandalism, theft or lighting that can affect the home. Apart from the primary structure of the house, it also covers sheds, pool houses and also garages. The insurance will pay for lodging and even the expenses that you incur if you are unable to live in the house. It will also cover during the repairs that are being made for a loss covered by the insurance. The insurance will cover personal property till a pre-determined sum and also any medical bills that are incurred by a family member who might be injured on the property. Insurance covers even those who might be negligently injured within the property premises. But, there might be other ways in which homeowners can incur losses. The standard insurance policies do not cover them. There is a way to increase the limits of the protection by adding other coverage to the standard protection.


Understanding the types of coverage on your home insurance policy can help you understand exactly what’s protected. Most House & Home policies in Texas include the following types of standard coverage:

  • Dwelling (home structure)
    This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
  • Other structures
    This type of insurance can help protect the physical structure of buildings on your property that are separate from your homes, such as a shed or a stand-alone garage.
  • Personal property
    Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
  • Liability protection
    Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
  • Guest medical protection
    This type of coverage can help cover the cost of medical expenses for a person who’s injured on your property.

Additional Insurance Coverage

If you are living in Texas, you might want to add appropriate insurance coverage that is not applicable in other states. There are many add-ons that most homeowners in Texas buy with their standard homeowner’s insurance. One of them is flood coverage which is done through FEMA. You need to find out if your house is located in a flood zone and if yes, you need to buy coverage for it separately. Many homeowners lose their house and their belongings due to floods. It is a wise decision to purchase it before it happens to you. You can also buy coverage against seeping of water damage, damage to trees due to wind or hail, freezing or burst pipes, wear and tear to the house and more. The standard home insurance coverage will cover wind perils only in the Gulf Coast counties but not all. So, you need to purchase windstorm coverage if you are in other counties.

Some Other Things You Should Know about Buying Homeowners Insurance in Kingwood, Texas

Before you purchase homeowners insurance, you need to decide how much coverage you need for your house. The best way to know the coverage you need is by estimating the cost of rebuilding your home. You might also need to add the assets you currently have to the cost of the final number. You should also know the difference between the replacement cost versus the actual cash value of an item in case a burglar enters your home and steals your appliances. A replacement cost policy will only be enough to purchase a new appliance similar to the one that you lost. But, Actual Cash Value will only pay for the actual cost of the TV.

Most homeowners look for ways that they can reduce the number of premiums for homeowners insurance. But, it is essential to note that in order to save money, it is best not to ignore important coverage. You can, however, lower your premiums by taking a few steps such as installing alarm systems in the house, getting the house repaired annually, and others. Sometimes, purchasing insurance in bundles such as buying homeowners insurance along with auto insurance from the same vendor can make you eligible for discounts. Talk to the vendor about possible discounts before purchasing the homeowners insurance.

Home Insurance Discounts


Home Insurance protection from an Independent Agent is more affordable because of all the options available. There are also many home insurance discounts available to help you save even more. We can help you start saving on home insurance with discounts like:

  • Claim-free discount
    Get up to a 20% discount when you switch to Allstate without a home insurance claim.
  • Safe home discount
    Save up to 5% when your home has additional protection against fire and theft, like a home security system.
  • Homebuyer discount
    If you purchase a newly constructed home, you could save up to 10%. Recent homebuyers may also qualify, so be sure to talk to your agent about the discounts available to you.
  • 55 and retired discount
    Over the age of 55 and retired? You could save up to 10% on home insurance.

Home Insurance Kingwood

Along with the savings, we will also quote with over 35 “A” rated insurance carriers to make sure we are getting the best coverages and rates for your needs. Click here for a Quote

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