Personal insurance
Discuss the home, its rebuilding needs and valuable belongings with an agent. Coverage, valuation and eligibility vary by insurer and policy.
Understanding your options
A home with substantial rebuilding costs or valuable belongings needs careful review of dwelling limits, valuation, property limits and liability coverage. Coverage and eligibility depend on the insurer and policy.
Coverage, eligibility, limits and exclusions depend on the insurer and policy. Review the actual policy documents before making a decision.
A closer look
Distinctive materials, construction features and local labor costs can affect the estimated cost to rebuild. Review the dwelling limit and how the policy values a covered loss, including any conditions on replacement cost payments.
Home policies can have special limits for certain belongings. Discuss valuable items and whether an endorsement or separate coverage is appropriate. Compare liability limits and any exclusions in the actual policy.
Review the deductible for each relevant cause of loss and ask how the policy treats wind, hail and water damage. Most homeowners policies do not cover flood damage; discuss flood coverage separately where relevant.
Before you reach out
Common questions
Discuss the cost to rebuild, including distinctive features and construction materials, rather than assuming the purchase price equals the rebuilding cost. Review the limit and valuation method with the agent.
Not necessarily. Special limits or exclusions may apply to items such as jewelry or art. Ask whether an endorsement or separate policy is needed and review the written terms.
Most homeowners policies do not cover flood damage. Ask about separate flood coverage, its limits, eligibility and waiting periods.
Start with the property type, Texas city or ZIP and general questions about building features, valuables and coverage limits. Leave account and policy numbers out of the initial message.
Start a conversation
Share a few basic details and the team can help you take the next step. Please leave sensitive information out of this first message.
