Home Insurance

As your largest investment, it's important to make sure your home has the proper insurance coverage. We'll protect your home and everything in it for the lowest possible price.

What is Home Insurance in Hurst, TX?

Home insurance, widely known as hazard insurance or homeowner's insurance in the U.S. real estate industry (frequently abbreviated as HO1), stands as a pivotal form of property insurance covering private residences in Hurst, TX.

​This comprehensive policy amalgamates various personal insurance protections, which may include coverage for losses to the home, its contents, additional living expenses (loss of use), or loss of other personal possessions of the homeowner. Furthermore, it incorporates liability insurance for potential accidents at the home or caused by the homeowner within the policy territory. Whether you're seeking the best home insurance in Hurst or affordable homeowners insurance in Hurst, understanding the typical coverages provided is crucial.

Typical Home Insurance Coverages in Hurst, TX

Section I — Property Coverages
  • Coverage A – Dwelling
    Protects the value of the dwelling itself (excluding the land). A coinsurance clause ensures that if the dwelling is insured to at least 80% of its actual value, losses will be adjusted at replacement cost, up to the policy limits, safeguarding against inflation. This is particularly relevant for residents looking for comprehensive home insurance in Hurst, TX.
  • Coverage B – Other Structures
    This coverage extends to other structures around the property not utilized for business purposes, like a private garage. It's typically limited to 10% to 20% of the Coverage A, with possibilities for enhancement via endorsement.
  • Coverage C – Personal Property
    Offers protection for personal property, with specific limits on the theft and loss of particular item classes. This coverage is essential for those seeking to secure their belongings with affordable homeowners insurance in Hurst.
  • Coverage D – Loss of Use/Additional Living Expenses
    Covers the additional living expenses or fair rental value, crucial for those displaced from their homes and seeking alternatives in Hurst.
  • Additional Coverages
    Includes a range of expenses like debris removal and reasonable repairs. For those in Hurst, TX, ensuring these additional coverages are part of your home insurance policy can provide extra peace of mind.
  • Exclusions
    In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage, power failure, neglect, war, nuclear hazard, septic tank back-up expenses, intentional loss, and concurrent causation (for HO3).[15] The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. In addition, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered.[16] A 2013 survey of Americans found that 41% believed mold was covered, although it is typically not covered if the water damage occurs over a period of time, such as through a leaky pipe.[17]
  • Floods
    It's key to note that flood damage is typically excluded under standard policies. However, flood coverage is available separately, a vital consideration for homeowners in Hurst, TX, seeking comprehensive protection.
Section II — Liability Coverages
  • Coverage E – Personal Liability
    This coverage is fundamental for homeowners in Hurst, protecting against damages for which the insured is legally liable, including dog bites, with legal defense provided by the insurer.
    Shaw Insurance Agency: Your Partner in Protection

    At Shaw Insurance Agency, we're dedicated to helping you find the right homeowners insurance for your needs in Hurst, TX. Whether you're searching for the best home insurance in Hurst, affordable options, or comprehensive coverage, our team is here to provide you with tailored Shaw Insurance Agency quotes. As one of the top insurance agents in Hurst, we offer a wide range of insurance solutions, including auto insurance, business insurance, and life insurance, to ensure you're fully protected.

    Contact us today to learn more about securing your home with the best and most affordable homeowners insurance in Hurst, TX.
(817) 479-7601
947 W Glade Rd
Hurst, TX 76054
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