Home Insurance in Fort Worth, TX

Owning a home comes with its share of risks, and without proper insurance, an unexpected event could leave you responsible for costly repairs or other significant expenses. Understanding home insurance may be challenging, but our insurance professionals at All-Integrity Insurance Agency LLC are ready to guide you through it.

What Is Home Insurance?

Home insurance, also known as homeowners insurance, is a policy designed to financially protect your residence and personal belongings against various risks, such as fire, theft, certain natural disasters and other unexpected events.

Although home insurance isn’t legally mandated in Texas, mortgage lenders typically require it to safeguard their investment. Even though it’s not compulsory by law, carrying home insurance is strongly advised, as it offers crucial financial protection against a range of risks and potential damage to your property.

What Does Home Insurance Cover?

A standard home insurance policy may provide a range of benefits, including:

• Dwelling (structural) coverage may cover the cost to repair or rebuild your home’s physical structure, including the roof, walls and foundation, following a covered event.

• Personal property coverage may cover the repair or replacement of belongings like furniture, electronics and clothing if they’re damaged or stolen.

• Liability coverage may provide financial support if you are found responsible for bodily injuries and property damage.

• Loss of use (additional living expenses) coverage may pay for temporary housing, meals and other expenses if your home is uninhabitable due to a covered loss.

Optional coverage can be added to suit your needs, such as:

• Flood and earthquake insurance, which are not included in most standard policies.

• Scheduled personal property endorsements to cover high-value items like jewelry, fine art or antiques at their appraised value.

Where to Get Homeowners Insurance

At All-Integrity Insurance Agency LLC, we are committed to identifying and addressing your home insurance needs. Contact us today to learn more about your coverage options or to get a personalized home insurance quote.