We provide customized solutions for families and business owners. For families, this will include protection for your home, autos, condos, vacation/weekend properties, rental properties or life insurance for your family members. For business owners, this will include protection for your business, professional liabilities, cyber liabilities, worker’s compensation, property or commercial vehicles/equipment. Having access to a variety of insurance partners allows us to work on your behalf and truly customize a protection plan for you, your family or your business.
Homeowner’s insurance is not a luxury, it is a necessity. This protects your home and possessions against damage or theft. While this damage might be caused by a multitude of things, we help you evaluate the risks that your home might encounter, find the broadest protection available and provide you with peace of mind.
Basic personal auto insurance is mandated by most states and provides you with some financial protection in case of an accident. While minimum coverages are the least expensive, we help you evaluate additional coverages to best meet the needs of your family and budget
Commercial insurance is a broad term that normally is understood as general liability insurance for a company. Risks to a business owner could also require coverage for Property, Vehicles, Professional Liability/Errors & Omissions, Cyber Liability and Worker’s Compensation. We shop multiple markets to find the best coverage plan for your business needs.
The home is a big financial investment, but it's also an investment that's vulnerable to many risks. Therefore, it's essential to have homeowner's insurance in place to safeguard your home and family from financial risk. So, if you want to protect your home and your family, homeowner's insurance is an absolute must.
Does The Law Require Homeowner's Insurance?
While the law doesn't require homeowner's insurance, you typically need this insurance if you're financing your house. Homeowner's insurance guards your lender's investment against damage or loss caused by covered risks like vandalism or fire. Your mortgage lender will want to make sure that you have enough coverage if the worst happens to your home. You'd have little to no mortgage value if you don't have homeowner's insurance, and you'd both lose your asset.
Why You Need Homeowners Insurance
Homeowners insurance helps protect your home and family in a variety of ways. Here are some of the key reasons it's essential to consider having homeowners insurance.
- Homeowner's insurance protects your house
You've gone through the challenges of financing a new home, so you might not have that same energy if the worst happens, and you need to repair or rebuild. With homeowners insurance, you'll save hundreds of thousands on out-of-pocket expenses if a huge unexpected disaster takes place in your home.
- Homeowner's insurance protects your belongings
Homeowners insurance may reimburse you if your stuff is stolen or destroyed by a covered hazard. It also protects your items anywhere in the world. So, if your phone gets stolen in your home while getting your sweat on at the gym, your homeowner's insurance can step in to replace it.
- Homeowner's insurance protects you from lawsuits
If someone slips and hurts himself or herself, or if a tree falls from your property on a neighbor's roof, you could be sued for damages. Homeowners insurance helps cover that claim for any necessary repairs or medical expenses. This type of coverage is known as personal liability, and it's essential to have.
- Homeowner's insurance offers peace of mind
With homeowners insurance, you can have a sound sleep knowing that you have a real safety net in place if anything happens to your investment. If anything happens to your property, your insurer is there to make sure you don't lose the investment you've diligently earned over the years.
How Much Does Homeowner's Insurance Cost?
The cost of homeowner's insurance tends to vary significantly. The reason for this variation includes — the age of the house, the location of the building, the value of the personal property, the cost of rebuilding the house should disaster strike, and your chosen insurance deductibles.
Are You Looking For Home Insurance In Houston, Texas?
Why not start with Kent family Insurance if you're in the market for a reliable homeowner's policy. At Kent family Insurance, we can help you choose the exact coverage you need. If you want to have the right amount of homeowner's insurance for your property, then contact us today.
Home Insurance Houston Texas
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