What You Need to Know About Homeowners Insurance in Texas

Those shopping for homeowners insurance in Austin, TX have many options available to them regarding basic coverage and additional options. Before shopping for insurance, understand the amount of coverage and what is and is not covered by your policy. The experts at Southwest Insurance Center understand shopping for a homeowners insurance policy can be overwhelming and are ready to make the process go as smoothly as possible. 

Below are things you need to know and questions to ask before purchasing your homeowner’s policy in the state of Texas: 

Roof Repair

Depending upon the cause of the damage, some insurance policies cover the total costs to repair a damaged roof. Within an insurance policy, this is covered under “replacement cost coverage.” If the roof is older or showing signs of wear, the policy may pay less to repair the roof, taking into account the roof’s overall condition before the damage occurred. Paying based on condition is considered “actual cash value” coverage. When deciding on insurance coverage, consider replacement cost versus actual cash value to determine which coverage to purchase. 


Your insurance policy deductible is the amount of money you must pay before your insurance company pays for repairs or replacements. Deductibles vary for different types of damage, and the higher the deductible; the lower your premiums may be. 

Additional Coverage

It is possible to customize your homeowner’s insurance policy by adding additional coverage. For example, consider buying additional coverage if you have expensive jewelry and high-priced items in the home or if you have a pool or other buildings on the property. 

Austin, TX homeowners need to speak with their insurance agent about their insurance policy and coverage options. Understanding more about the policy and coverage options helps make the claim process easier should something happen at your home. For additional information about homeowners insurance coverage, call our agents at Southwest Insurance Center.