Homeowners across the country need to be prepared for servere weather including tornadoes, thunderstorms, hurricanes, and more. At Hairston and Associates, our goal is to ensure that your family and home are protected from these potentially devastating events and more with a quality homeowners insurance policy at a great rate.
As a local Texas agency, we recognize the challenges that homeowners living in Spring, Kay, or Tomball face. Most homeowners insurance policies are quite similar, however we are able to tailor each policy to the homeowner and their unique homes. No matter what type of coverages you may need, the team at Hairston and Associates will ensure your homeowners policy works for you.
Texas Homeowners Insurance Coverage
- Dwelling Coverage
- Coverage for damages to personal property including clothing, appliances, electronics, furniture, and more
- Coverage for certain structures on your property. This can include carports, sheds, and other detached storage facilities
- Property Theft Coverage
- Liability Coverage
- Loss of Use Coverage which includes costs for living expenses and lost income if a disaster were to force you out of your home
Optional Texas Homeowners Insurance Coverage
- Coverage for high-value items such as jewelry that are generally not covered in a standard policy
- Identity Theft Coverage
Actual Cash Value or Replacement Cost options are available with most homeowners insurance policies. Actual Cash Value policies will pay you the cost of damaged, destroyed, or stolen items minus depreciation. Replacement Cost options will provide you with the amount required to replace the item without any deduction for depreciation.
Flash flooding can occur anywhere without warning meaning you do not have to be in a high-risk area to be vulnerable to flood damage. Flood insurance is generally not included as part of a homeowners insurance policy although it is often a valuable addition for many. At Hairston and Associates, we can review your flood insurance options with you to ensure you are protected.
Texas families can save money on their homeowners insurance by taking advantage of various discounts including claims-free discounts, multi-policy discounts, home safety discounts, new home discounts, protective device discounts, and more. We will make sure you receive all of the discounts you qualify for, helping you save the most money on your homeowners insurance.
A homeowners insurance policy from Hairston and Associates offers peace of mind, knowing that you, your family, and your home are protected. Contact us today to find out more about your homeowners insurance options in Spring, Kay, or Tomball.