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Homeowners
Your house, your belongings, and your liability — with the roof and hail terms read carefully.
Start the homeowners application →- What it covers
- The structure, at replacement cost
- Personal belongings, with sublimits on jewelry, guns, and collectibles
- Somewhere to live while the house is repaired
- Injuries to guests, and damage you cause to others
- What it doesn't cover
- Flood — always separate, and Collin County has flood zones people don't expect
- Earth movement and foundation settling
- Wear, rot, and a roof that aged out rather than got hit
- Typical limits
- Dwelling coverage should equal rebuild cost, which is not your appraised value or your purchase price.
- Worth knowing
- Two things decide what you actually collect after a hail storm: whether the roof is settled at replacement cost or actual cash value, and how big your separate wind and hail deductible is. We check both first.
Common questions about homeowners
What does homeowners cover?
The structure, at replacement cost. Personal belongings, with sublimits on jewelry, guns, and collectibles. Somewhere to live while the house is repaired. Injuries to guests, and damage you cause to others.
What does homeowners not cover?
Flood — always separate, and Collin County has flood zones people don't expect. Earth movement and foundation settling. Wear, rot, and a roof that aged out rather than got hit.
What limits are typical?
Dwelling coverage should equal rebuild cost, which is not your appraised value or your purchase price.
What should I watch out for?
Two things decide what you actually collect after a hail storm: whether the roof is settled at replacement cost or actual cash value, and how big your separate wind and hail deductible is. We check both first.