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Homeowners Insurance Information
Insurance for Homeowners Throughout Texas
Serving San Antonio, Helotes, Leon Valley and Beyond
Home is an investment as well as a safe space for you and your family to learn, grow and relax. When you are home, you shouldn’t worry about a claim suddenly sending you into financial turmoil. A reliable home insurance policy will help settle your worries so you can focus on the finer things in life.
Joel Gonzales Agency provides quality customer service and years of insurance experience in pairing homeowners with an affordable home insurance policy.
What Does Home Insurance Cover?
A basic home insurance policy through Joel Gonzales Agency may include:
- Dwelling Coverage: Dwelling coverage provides compensation for damage to the physical home and its attached structures caused by fire, wind, hail, lightning, smoke, theft, vandalism and more.
- Personal Belongings Coverage: Personal belongings coverage provides compensation for your personal items that are damaged or destroyed due to fire, lightning, smoke, theft, vandalism and more.
- Personal Liability: Liability insurance covers bodily injury and property damage someone else may suffer on your property. For example, if one of your children breaks a guest’s tablet, you could be held responsible for replacing it. Liability insurance can help with the cost and protect you from a lawsuit.
- Additional Living Expenses: Additional living expenses provide monetary assistance in case you have to temporarily move when the home is rendered uninhabitable after a disaster.
There are additional coverages as well, including higher limits of liability insurance. You may want additional policy floaters to cover your expensive items such as jewelry, furs and are.
What Does 80% Mean in Home Insurance?
When looking for home insurance, you may hear about the 80% rule. This rule applies to how much coverage you should carry in relation to your home’s total replacement cost value. If you carry les than 80% of your home’s total replacement cost value in home insurance, you could end up having gaps in your coverage when it comes time to file a claim.
The replacement cost value is not the same as your home’s market value. Instead, this price is how much it would cost to completely rebuild your home after a disaster, including material and building costs.
What is Smart Home?
Smart Home is a program offered by Nationwide that uses WiFi-enabled sensors which can be combined with security alarms or smoke alarms to provide early warnings of potential dangers. Entering the Smart Home program can not only give you peace of mind with extra protection, but it can save you money on your home insurance premiums and allows you to choose decides from an approved vendor.
Protect Your Home Today
Joel Gonzales Agency has licensed agents in Texas who speak English, Spanish and Farsi for your language needs. We want you to feel safe at home, no matter what the weather. Connect with one of our insurance professionals today by calling (210) 314-7514.
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Common Home Insurance Questions
With home insurance, you can pay monthly premiums in return for coverage for your physical home, personal items and liability. If you need to file a home insurance claim, a claims adjuster from the insurer will investigate the claim and calculate how much money you will receive based on your policy.
In general, you should carry at least 80% of your home’s total replacement cost value in home insurance. With too little home insurance, you could end up with gaps in your coverage after a disaster. Talk to a Joel Gonzales Agency agent about how much home insurance you need for ultimate protection.
Without a proper home insurance policy, a single bad storm or accident can cost you thousands of dollars in repairs out of pocket. A home insurance policy can help you bear the brunt of these expenses so you can recover quickly.
Home insurance is generally required by mortgage lenders. If you are paying a mortgage on your home, you will need enough home insurance to cover this requirement. Higher coverage limits are available and recommended, however.