At Alliance Insurance Agency, we're proud to serve Texas with quality home insurance that you can trust. Whether you're a new homeowner or you're looking to change your current policy, we're here to help you get the coverage that you need to protect your property.
Homeowners insurance exists to protect your home from damages that can come from a variety of sources, including weather, fire, theft, water damage, and other problems. Paying for homeowners insurance saves many homeowners from paying huge repair costs down the road. At Alliance Insurance Agency, our agents will work with you to help you choose a policy that makes sense for your home.
Most homeowners insurance policies cover four main areas: liability, personal property, your dwelling, and other structures on your property (such as a detached garage, a pool, or a gazebo). It's important to know that you'll have a deductible (the amount that you pay for the repair of covered damages before your policy kicks in), as well as a limit (the high-end amount that insurance will cover). Our agent will help you decide what deductible and coverage limits make the most sense for your home.
In Texas, there are no laws that require you to have homeowners insurance, but most lenders require that you have a current home insurance policy in order to enter into a mortgage agreement. You'll need to provide your lender with proof of your insurance policy before you are approved for your mortgage. If you're a new homeowner, it may make sense for you to start with a basic plan, and then expand your coverage limit and lower your deductible later on down the line.
If you need a home insurance policy, Alliance Insurance Agency is here to help. We work with Texas residents to keep homes protected, and we're glad you're considering making us your home for your insurance policy.