Homeowners insurance is designed to protect your home, personal belongings, and liability from unexpected events. While coverage can vary by policy and insurance company,Standard coverage usually includes:

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1. Dwelling Coverage – Protects the structure of your home, including walls, roof, and built-in appliances, from covered perils such as fire, windstorm, hail, or vandalism. (Floods and earthquakes are typically excluded and require separate policies.)

 

2. Other Structures Coverage – Covers detached structures on your property, such as garages, sheds, or fences.

 

3. Personal Property Coverage – Protects your belongings, including furniture, electronics, clothing, and other personal items. High-value items may require additional coverage.

 

4. Liability Coverage– Provides protection if someone is injured on your property or if you accidentally damage another person’s property, covering legal fees and settlements up to your policy limit.

 

5. Additional Living Expenses (ALE) – Pays for temporary living costs, such as hotel and meals, if your home becomes uninhabitable due to a covered loss.

 

6. Medical Payments Coverage – Covers minor medical expenses if a guest is injured on your property, regardless of fault.

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Texas Homeowners can choose what type of policies best suits them:

 

HO-1 (Basic Form)  Rare | Limited perils such as fire, lightning, windstorm, or theft. 

 

HO-2 (Broad Form)| Standard homes | Covers more named perils, including falling objects and water damage from plumbing. 

 

HO-3 (Special Form)  Most common | Dwelling covered for all risks except exclusions; personal property covered for named perils. 

 

HO-4 (Renters Insurance)  Renters Covers personal property and liability; dwelling not included. 

 

HO-5 (Comprehensive Form)  High-value homes | All-risk coverage for both dwelling and personal property with fewer exclusions. 

 

HO-6 (Condo Insurance)  Condominium owners | Covers personal property, liability, and condo interiors (walls, floors, fixtures). 

 

HO-7 (Mobile Home Insurance) Mobile homes | Similar to HO-3, adapted for manufactured homes. 

 

HO-8 (Older Homes) | Historic homes | Dwelling coverage based on actual cash value, suitable for older homes with unique construction.

 

Why Choose Alvarado Broker Firm for Homeowners Insurance in Texas

 

As an independent Texas insurance agency, we work with multiple top-rated insurance carriers to find the **best homeowners insurance policies in Texas** at competitive rates. Our team focuses on **personalized service**, guiding clients through the entire process—from policy selection to ongoing support—so you can feel confident your home and belongings are protected.Whether you are looking for **homeowners insurance Texas**, **property insurance Texas**, or **liability coverage**, Alvarado Broker Firm is here to provide trusted, comprehensive insurance solutions tailored to your needs.

 

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Homeowners insurance is essential for protecting your home, personal belongings, and financial security from unexpected events. Without adequate coverage, you could face significant financial losses in the event of accidents, natural disasters, or liability claims

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Homeowners insurance is more than just a requirement—it’s a vital safeguard for your most important investment. By protecting your home, personal property, and liability, homeowners insurance helps Texas residents maintain financial security and peace of mind in the face of the unexpected.

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Extra Notes

• Excluded perils: Floods, earthquakes, and some mold/wear-and-tear damage usually require separate policies.

• Endorsements: Many homeowners add endorsements for expensive jewelry, electronics, home offices, or home-based businesses.

• Liability limits: Make sure your liability coverage matches your assets; many people increase it for added protection.