Texas Homeowners Insurance
Austin, Round Rock, San Marcos, Georgetown
Since 1955, Contractors Insurance Services has been providing service with a personalized touch and insurance products at a fair price to our Texas clients in Austin, Round Rock, Georgetown and San Marcos. We understand your business and family insurance needs and pride ourselves on offering customer service second to none.
We represent your interests. At Contractors Insurance Services, we have relationships with over 30 companies for the right coverage and best price. Whether you are looking for home, motor home or renters insurance, we can match you with a customized plan designed for your unique situation.
No one has time to be an insurance expert. At Contractors Insurance Services we make having insurance easier. You can make your payments in our office, over the phone or online. Ask us to re-shop your policy when you renew or make changes. Call or e-mail us today and let us go to work for you.
Keep Austin Insured. Se habla Español!
|What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
- If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.