Home insurance plans may vary on what they will cover, but they will always take care of the basics. You may find that some of your property may or may not be covered depending on the terms of your home insurance policy. If you are looking for a reliable insurance plan with a broad spectrum of coverage options in Texas or Colorado, consult with Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX.

Damage To Your House

Protecting the structure of your home in the event of harm is the primary goal of any home insurance. Disasters like tornados, hurricanes, fires, and more can occur, and home insurance will cover the damages. Floods, earthquakes, and neglect of property do not count in most home insurance policies. Typically you will want to take out just enough coverage to rebuild your house in the event of complete destruction.

Detached Structures

Many policies will also allow you to add your garage, carport, gazebos, tool sheds, or other structures that are on your property. The amount covered by these structures will be about 10 percent of your home’s value, but the coverage amount varies by company.

Valuable Personal Items

Insurance companies recognize that disasters will affect more than just the structure of your home but also the things inside. Your expensive laptops, jewelry, collectibles, and more will be covered after speaking with your insurance agent. Some plans will also include stolen items or fraudulent credit card usage. Expensive trees or plants also have a degree of coverage in some policies.

As you can see, you can cover a variety of assets on your property with home insurance. If you need a reliable plan to keep you completely covered in Texas or Colorado, Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX can help you find an insurance policy. Also, try our online rating tool for quotes on home insurance.