☰ ˟
Lone Star Insurance Agency
Get More Information Cleburne (817) 641-3676 | Burleson (817) 426-2886
  • Home
  • Get A Quote
    • Dwelling Fire Policies
    • Auto Quote Online
    • Homeowners Quote Online
    • Commercial Auto Insurance Quote
    • Flood Quote Form
    • Life Insurance Quote
    • Manufactured Home Quote
    • Motorcycle Insurance Quote
    • Recreational Vehicle Insurance Quote
    • Renters Insurance Quote
    • Watercraft Insurance Quote
    • Umbrella Policy Quote
  • About Lone Star Insurance Agency
    • Nine Reasons To Do Business With Us
    • Dave Ramsey ELP
    • Testimonials
    • Agency Comparison
    • Love Your Agent Guarantee
    • Referral Reward Program
    • About Us
    • Penny Puzzle
    • Blog
    • Companies We Insure With
    • Captive vs. Independent
    • Employee Directory
    • Location(s)
    • Privacy Policy
    • Referral Form
    • Web Site Disclaimer
  • Customer Service
    • When To Contact Us
    • Client Center
    • Payment Center
    • File A Claim
    • Refer a Friend
    • Submit a Testimonial
    • Client Update Form
    • RESHOP INFO - AUTO
    • RESHOP INFO - HOME
  • General Insurance Info
    • Myths About Buying Insurance
    • Special Reports
    • TDI Helpful Links
    • Auto Insurance Info
    • Business & Commercial
    • Claim Information
    • Flood
    • Home Insurance Information
    • Insurance Glossary
    • Landlord Insurance
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Umbrella
    • Watercraft & Boat
  • Contact Us
  • Areas We Serve
    • Insurance - Cleburne, Texas
    • Insurance - Burleson, Texas
    • Insurance - Granbury, Texas
    • Insurance - Glen Rose, Texas
Logo
Insuring your Future today
Cleburne (817) 641-3676 | Burleson (817) 426-2886
Auto Homeowners Business Classic Car Life
Home > Homeowners > Home Insurance Information | Property Insurance

Home Insurance Information

 

Looking for Home Insurance Coverage?


Click the following link to submit your information for a homeowner insurance quote.

Quote Request Form



Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent

Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

Replacement Cost vs. Market Value

We often get questions such as "why is my home insured for so much"?  Or, "how did you come up with that value" and most of all "my home's not worth that much".  As a result we created a special web page just to address the issue of replacement cost vs. market value.  Please click here to visit that page.

Connect with us

Social Social Social Social Social
google review

Burleson Location

240 NW Newton Drive
Burleson, TX 76028

Phone: (817) 426-2886
Fax: (817) 426-2887
google review

Cleburne Location

1200 W. Henderson Street Suite A
Cleburne, TX 76033

Phone: (817) 641-3676
Fax: (817) 426-2887

Fill out the form below to get started with an insurance quote

© Copyright. All rights reserved.
Powered by Insurance Website Builder