San Antonio, Texas Homeowners Insurance
Whether you own a house, condominium or townhouse, for most
people their home is their most important investment. San Antonio,
TX area home insurance policies that have flexibility to meet your
individual needs and above all, provide you with the security that
comes only from the knowledge that your home is safe.
Insurance for your home is one of the most popular and important
forms of personal insurance and the typical Texas Home Insurance
policy has two main sections:
Section I - insurance coverage for your property
Section II - personal liability coverage (to cover you in case of
lawsuits arising from things that happen on your property)
Home insurance is often required by lenders to obtain a mortgage
and nearly everyone, whether you own or lease property, should
have the protection of homeowners insurance.
Click on the link below to fill out a secure quote request form for a
San Antonio, TX area Homeowners Insurance policy that will
provide comprehensive home insurance coverage at an
affordable cost. An insurance agent in the San Antonio area will
contact you.
Personal liability in a San Antonio, TX area homeowners insurance policy is also an
important part of having security from accidents that may occur on your property.
We suggest you choose coverage limits that are not less than those on other liability
insurance you own, such as car insurance.
Click on the link below to fill out a secure quote request form for a San Antonio, TX
area Homeowners Insurance policy that will provide comprehensive home
insurance coverage at an affordable cost. An insurance agent in the San Antonio,
Texas area will contact you.
Local San Antonio, TX area insurance agents offering affordable Texas homeowners
insurance policies in the following cities and counties: Universal City, Windcrest,
Leon Valley, Alamo Heights, Balcones Heights, Terrell Hills, Kirby, Converse,
Schertz, Live Oak, China Grove, Castle Hills, Hollywood Park, Shavano Park, Hill
Country Village, Sayers, Palm Park, Southton, Von Ormy, Meadowood Arces,
Macdona, Cool Crest, Hilltop Acres, North San Antonio Hills, Grey Forest, Garden
Ridge, Cibolo, Selma, Bracken, New Braunfels, San Marcos, Seguin, Helotes,
Bulverde, Boerne, Leon Springs, Pipe Creek, Mico, Lakehills, Castroville, Dunlay,
Elmendorf, Saspamco, St. Hedwig, La Vernia, New Berlin, McQueeney, Floresville,
Natalia, Devine, Leming, Rossville, Somerset, Comal County, Guadalupe County,
Medina County, Wilson County, Kendall County, Atascosa County, and Bexar
County, TX.
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San Antonio, TX Home Insurance Policy FAQ
Covered losses under a Texas homeowners insurance policy can be paid on either a
replacement cost basis or on an actual cash value basis. When "actual cash value" is
used, the policy owner is entitled to the depreciated value of the damaged property.
Therefore, the older the item is, the less money you may receive for it. If you choose
the "replacement cost" coverage, the San Antonio, TX area home insurance policy will
reinburse the amount it costs to replace the property with something of a similar type
and quality at current prices.
Replacement Cost or Actual Cash Value
San Antonio, TX Homeowners Insurance Policy FAQ
An "All Risks" policy provides the broadest San Antonio, TX area homeowners
insurance protection because it will cover losses that are due to any peril except those
specifically excluded in the policy. A "Named Perils" policy covers losses that are due
to only those perils listed in the standard San Antonio, TX area homeowners insurance
policy and typically include fire, hail, windstorm, and other physical losses.
All Risks or Named Perils
San Antonio, TX Homeowners Insurance Policy FAQ
If your policy limit is less than 80% of the replacement cost of your home, you will
face a "coinsurance penalty," which means you'll have out-of-pocket expenses to
cover costs beyond the policy deductible you chose. For example purposes we
will assume your home's estimated replacement value (RCV) is $100,000. The
co-insurance clause requires you carry at least $80,000 (80% of your RCV). If you
chose to purchase only a $40,000 San Antonio, TX area homeowners insurance
policy you would be underinsured by half. Therefore, in the example the insurance
company would pay one-half of a loss less the policy deductible, so if you suffered
a $10,000 covered loss to your house, condominium or townhouse and had a
$500 deductible, your policy would only pay $4,500.
Coinsurance Penalty
San Antonio, TX Homeowners Insurance Policy FAQ
Personal Liability
San Antonio, TX Homeowners Insurance Policy FAQ
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Personal Insurance
San Antonio, TX Area Homeowners Insurance
San Antonio - Kirby - Converse - Alamo Heights - Windcrest - Live Oak - Universal City - Schertz & more
CITY INSURANCE AGENTS
San Antonio, TX Agents
Ralph Perez Agency
(210) 670-9191
1424 S. Ellison Dr., Suite 400
San Antonio, Texas 78245