Buying a home is an exciting but overwhelming process. Your new house is your most significant investment in life. Therefore, you want to make sure that it is well protected. The best way to do it is to purchase home insurance. However, choosing an insurance plan is not easy – you want to make sure that your coverage is affordable, reliable, and addresses all your needs. Therefore, before you purchase a certain plan, Insurance Over Texas serving Houston, TX has prepared the list of things you should know: 

What policy does cover, and what does not?

Most standard policies cover damages caused by fire, vandalism, storm, or theft. They also provide liability coverage to a homeowner if he is sued. However, such things as earthquakes, floods, sinkholes, war, and other events are not included in a standard home insurance policy and require additional coverage. Make sure that you discuss all the details with an insurance agency and find out what exactly your home insurance covers. 

"Toys" on your property that may increase the cost of insurance

Certain things are considered high risk because they can cause injuries and damages to the property. The most common are swimming pools and trampolines. If you have them, then most likely, the cost of your home insurance will be higher. It is essential to know and remember this when you are shopping around. 

Valuable items are usually not included in the standard coverage.

If you have valuable items in your house, such as pieces of art, jewelry, or antique, they may not be covered under the basic terms of your content coverage. Most standard insurance plans include the belongings only up to a specified limited amount. 

Getting the right home insurance for your home is crucial because it protects your property, your belongings, and yourself. Insurance Over Texas is an experienced insurance agency with over 30 years of experience that serves clients in Houston, TX, and other surrounding areas. Our highly qualified insurance agents are ready to answer all your questions and find the perfect plan based on your needs and budget.