Homeowners Insurance in Fort Worth, TX
Homeowners insurance can help cover financial losses from a range of risks that can affect Texas residents’ property and belongings. Standard coverage typically includes the following:
- Dwelling coverage may cover damage to the structure of your home from covered events like fire, windstorms or vandalism.
- Personal property coverage can help pay for the replacement or repair of personal belongings such as furniture, electronics and clothing if they’re damaged or stolen.
- Liability coverage may apply if someone is injured on your property or if you accidentally cause damage to someone else’s property.
- Additional living expenses coverage may help offset temporary housing and living costs if your home becomes uninhabitable due to a covered loss.
How Do I File a Claim?
You’ll generally have to follow these steps if you need to file a claim:
- Notify your insurance provider: Contact your insurer promptly after experiencing a loss.
- Document the damage: Capture clear photos or videos of all affected areas and items.
- Complete required forms: Fill out any claim paperwork your insurer provides.
- Work with the adjuster: Allow the insurance adjuster to inspect the damage and answer any questions they may have.
- Track repairs and expenses: Maintain detailed records of repair work and related costs.
How Much Does It Cost?
Policy rates may differ based on:
- The age and condition of your home
- Location and proximity to fire services
- Security features and safety measures
- Coverage limits and deductibles
Can I Update or Change My Policy?
You can usually update or change your policy as your needs change. Depending on your insurer, you may be able to:
- Adjust your coverage limits
- Add or remove endorsements for specific items
- Update your personal information
- Change your deductible
Learn More
Contact Luna Insurance Agency today for more information and get a free custom quote.