Homeowners Insurance Information
Free Quick Quote
Standard Homeowners Insurance Coverages
- Property Damage
- Personal Liability
- Medical Expense
- Additional Living Expenses
- Personal Property
Optional Homeowners Insurance Coverages
- Personal Injury Protection
- Extended Replacement Cost
- Scheduled Personal Property
- Full Replacement Cost
- Loss of Use
Affordable homeowner’s insurance solutions are available to you when you choose All America’s Insurance Agency. We can protect your home from a variety of common perils, including fire, lightning, windstorms, hail, theft, and more. Our experienced insurance professionals will go above and beyond to custom tailor a homeowners’ insurance policy that maximizes protection for you, your family, and your home. All America’s Insurance Agency guarantees Assurance for the Road Ahead!
Why Texas Renters Insurance is Worth It
Some renters mistakenly believe everything inside their apartment is insured under the landlord's policy. If you rent a home or an apartment, your landlord is responsible for plumbing issues, bug infestations, vandalism or any damages caused to the building itself—but not your personal possessions.
This means if your apartment gets burglarized or all your stuff is damaged by a fire, you'll have to pay out of pocket to replace your stuff. Unless you are protected by renters insurance.
What Does Renter Insurance Cover?
Renters insurance is similar to homeowners insurance in many ways. It provides three kinds of coverage, including:
- Personal property coverage
- Liability coverage
- Additional living expenses if a covered event forces you to temporarily reside elsewhere
Take a minute to think about everything you own. Furniture, clothing, kitchen appliances, artwork, electronics, collections—that stuff is worth a lot of money, right? A renters insurance policy offers coverage for any theft, loss or destruction of your personal possessions (up to policy limits), helping you replace important items if they are lost, damaged or destroyed.
If you have really expensive items such as jewelry or thousands of dollars’ worth of camera equipment, you can even take out coverage with higher limits, sometimes called floater insurance or a policy rider. Renters insurance can also cover personal belongings damaged or stolen when you're outside your home, such as when you’re traveling.
Liability Coverage and Additional Expenses
Liability insurance helps financially protect you against any injuries that happen to guests while they’re in your home. For instance, if someone trips down your stairs and decides to sue you to cover the medical bills, your renters liability coverage can help pay the legal costs and settlement fees.
It can even cover damages caused by accidents. For instance, if your child accidentally breaks a neighbor's window, your liability coverage could help pay for the damages.
And if your rental home were to ever become uninhabitable due to fire or storm damage, your renters insurance can help cover the living expenses you normally wouldn't incur, such as hotel or restaurant bills.
There is an overwhelming number of condominium owners who fail to obtain the necessary protection, assuming they receive coverage through condo association insurance. Condo insurance is likely one of the most misunderstood policies because a large majority of condo owners assume they are receiving coverage when they pay condo association fees each month. These fees actually go towards safeguarding common areas, such as the park, gym, and walkway. However, theft, interior damage, and personal injury claims will not receive protection.
In order to receive optimal protection in your condominium, you must obtain a unique condo owners insurance policy.
Standard Condo Insurance Coverages:
- Personal Contents Coverage
- Condo Interior Fixtures
- Condo Interior Improvements
- Liability Coverage
- Loss Assessment
Common Perils Covered Under Standard Condo Insurance Includes:
- Malicious Mischief
Allow the insurance experts at All America’s Insurance Agency to provide you with the peace of mind you deserve. Through our custom tailored condo insurance policies, protection can be maximized to the fullest. We will start by evaluating your individual circumstances, and provide you with insurance solutions that make sense.
Landlords need protection too! When you own the property that people call home, you become vulnerable to unique risks, emphasizing the importance of protecting your largest investment with a customized landlord insurance policy. This vital insurance policy will provide you with protection for your rental property, its structures, and any items you choose to provide for use by tenants. Additionally, your landlord insurance policy will provide you with liability protection, so that a damaging lawsuit or claim does not put your business in harm’s way.
The experienced insurance professionals at All America’s Insurance Agency can provide you with the customized insurance solutions you have been seeking for all these years. Whether you own an entire apartment complex or are simply looking to insure the vacation property that you rent out during the winter, we will ensure that you are receiving maximum protection for your biggest investment.
Personal Umbrella Insurance
Accidents are inevitable, and unfortunately, today’s society tends to respond to many accidents by taking legal action. Would your assets be secure if you were faced with a costly lawsuit? In order to receive optimal protection in all realms of your life, you must obtain the protection an umbrella policy provides. You and your family can seek security under your umbrella policy. Many individuals are quick to overlook umbrella policies, despite their great significance. There are far too many common scenarios that make umbrella insurance worthwhile, including:
- No matter how sweet your furry family member is, they may act aggressively if they feel that you are in harm’s way. Dog bites liability claims are one of the most common damaging claims homeowners are faced with.
- Many of the attractive and fun nuisances on our properties, such as pools and trampolines, put us at risk for damaging liability claims. If a visitor is seriously injured on your property, you may be faced with a costly liability claim.
- Imagine the grave expenses associated with a claim if a fire you accidentally caused in your house spread to your neighbor’s home. Your umbrella insurance policy would provide you with adequate protection.
At All America’s Insurance Agency, we believe the peace of mind associated with an umbrella insurance policy is well worth the minimal amount added to your standard insurance premiums. When the liability limits of your standard policies have been run dry, your umbrella insurance policy will kick in and provide you and your family with the protection you deserve.
Flood Insurance for Texas Homeowners
Despite common misconception, the standard homeowner’s insurance policy specifically excludes coverage for flood damages. As defined by insurance standards, flood damage is any water damage that occurs from outside waters, such as heavy rains. In order to receive this vital form of protection, you must obtain a separate flood insurance policy. Even California homeowners are vulnerable to the excruciatingly high flood damages, stressing the importance of obtaining this protective measure. Flood insurance policies provide coverage for two types of insurable property. Both your building and your contents will receive protection through your flood insurance policy. Flood Insurance Building Coverages:
- Building Structure and Foundation
- Electrical and Plumbing System
- HVAC systems
- Refrigerators, Stoves, and Built-In Appliances
- Permanently Installed Carpeting
Flood Insurance Contents Coverages:
- Electronic Equipment
- Portable Air Conditioners
- Portable Microwaves and Dishwashers
- Carpeting (that is not included in property coverage)
- Clothing Washers and Dryers
At All America’s Insurance Agency, we strive to provide each California resident with the unparalleled protection they deserve. In doing so, we emphasize the importance of obtaining protection from flood damages. Avoiding the costly damages a flood leaves behind is simple when you have a flood insurance policy providing you with the protection you deserve.
All America’s Insurance Agency guarantees Assurance for the Road Ahead!