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Home Insurance in Burleson, and Cleburne, TX
Insurance for Homeowners Throughout the State of Texas
Homeowners insurance isn’t just an insurance policy. It’s a way to protect yourself, your family and your home. That is why Lone Star Insurance Agency is dedicated to bringing you comprehensive homeowners insurance policies with fantastic customer service. We do the hard research and compare prices to find a homeowners policy tailored for your insurance needs and your budget.
What Does a Standard Homeowners Insurance Policy Cover?
A standard homeowners policy from Lone Star Insurance Agency may include:
- Dwelling Coverage: Dwelling coverage compensates you for damage to the physical home and its attached structures in case of fire, wind, hail, lightning, smoke and more.
- Personal Belongings Coverage: Personal belongings coverage provides compensation if your belongings are lost or damaged due to fire, smoke, theft, vandalism and other incidents.
- Personal General Liability: General liability protects you and your family in case someone else is injured or their property is damaged on your property. This insurance can help pay for another person’s medical expenses if they’re injured on your property as well as protect you in the face of a lawsuit.
- Additional Living Expenses: In case a disaster or accident makes the home unlivable, additional living expenses will help with the cost of temporarily moving somewhere else.
How Much Coverage Should I Have for Home Insurance?
Homeowners should carry at least 80% of their home’s total replacement cost value in home insurance. This means that your coverage limits could be different than your neighbor’s depending on how much your home’s replacement cost value is.
The replacement cost value of your home is not the same as its market value. Instead, the total replacement cost value is how much it would cost to completely rebuild your home after a disaster. Speak with an insurance agent today about how to calculate your home’s total replacement cost value so that you purchase the right amount of insurance for the right amount of coverage.
Insuring with Lone Star Insurance Agency
Lone Star Insurance Agency is here not only to find you an affordable policy, but to help you every step of the way when looking for insurance to protect your home. We won’t simply hand you a policy and disappear. Our dedicated agents will provide great customer service while working with you to make sure that you are getting the best deal possible.
Frequently Asked Questions
How Much Should Homeowners Insurance Cost Per Month?
Lone Star Insurance compare prices throughout Texas to get you the right coverage. On average, homeowners in Texas pay about $285.75 a month for homeowners insurance.
What is the Average Cost of Homeowners Insurance?
In Texas, homeowners pay an average of $3,429 a year for homeowners insurance.
How Much Will My Homeowners Insurance Be?
Homeowners insurance costs depend on a variety of factors, such as your location, claims history, credit score, the value of your home, coverage limits and more. Fill out an to find out how much you could save on homeowners insurance.
What Home Insurance Coverage is Best?
The best homeowners insurance is the one that is specifically geared for you and your home’s needs. No one policy is the same and homeowners insurance isn’t a one-size-fits all. The agents at Lone Star Insurance will help you find the best policy for your budget at the amount of coverage you need.