Home Insurance in Cleburne, TX
Without adequate home insurance, you may have to pay for damage or property-related liability out of your own pocket. My Insurance Store is ready to help you understand home insurance and choose a suitable policy for your budget and needs.
How Does It Work?
Home insurance works by covering damage to your home and personal belongings due to covered loss events like fires, burglaries, vandalism or certain natural disasters. It may also be helpful if you’re liable for bodily injuries that happened on your property or damaging someone else’s property.
Here’s how a claim process typically works:
- Report the damage to your insurer.
- Submit photos and videos of the damage along with police reports, receipts or other documentation.
- Your insurer will assign an adjuster to your case, who will assess the damage and determine the cost of repair or replacement.
- If the claim is covered, the insurer will offer you a settlement amount based on the adjuster’s assessment.
- You pay any applicable deductible before insurance provides coverage.
What Does It Cover?
A standard policy may cover the following:
- Dwelling coverage may help pay for the reconstruction of your home and attached structures.
- Other structures coverage may cover detached structures such as garages and fences.
- Liability coverage may cover associated costs if you’re held liable for a guest getting injured while on your property or accidentally causing damage to someone else’s property.
- Personal property coverage may cover the replacement of your appliances, clothes or furniture, depending on policy limits.
- Loss of use coverage may reimburse you for your shelter, food and other expenses if a loss event damages your home.
Where to Get a Policy
Contact My Insurance Store today to request a free quote.