Do You Need a Home Insurance?

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Many homeowners and would-be homeowners ask the question: “Do I need a home insurance?” Whether you have asked the same question to yourself or not yet, you have to know what home insurance is all about and why do you need one.

Home insurance, also known as homeowners insurance, is a types of insurance that covers houses when they get damaged, including the people living in the house when they got injured on the property. It helps owners cope with the financial consequences of unfortunate events. If you are still in doubt whether you need to get one or not, here are some of the reasons why you should get Galveston home insurance.

  1. A home insurance serves as a protection to you and your house. Whatever happens to your property, whether it gets damaged by fire, storm, vandalism, theft, or similar incidents, the insurance will cover the cash value of the damages or the replacement value. Especially if you live in a high-risk area, a home insurance can give you peace of mind.
  1. If you’re taking out a mortgage to purchase your home, you may need a home insurance that will guarantee the owner that the house is protected. Most lenders require homeowners to carry an insurance policy in case the home is damaged. Remember until you pay off your home loan, the lender is technically the owner of your home.
  1. In addition to covering the value of your property, many insurance policies also include an important provision for liability coverage. This will be helpful for you in case a neighbor gets troubled by anything that involves your house, such as tripping over your water hose in the front lawn or if your neighbor’s house catches fire because you left your charcoal grill unattended. When these people ask you to pay for their damages, your insurance will be gladly to do so.

These are just some of the important reasons why you should get a Galveston home insurance. To get more information about home and auto insurance, consult us now!



Rene Toman – Allstate Insurance


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