Homeowners Insurance in Fort Worth, TX

A standard homeowners insurance policy insures the home itself and the things you keep inside. By having homeowners insurance, you can financially protect yourself if there’s an accident.

Contact our agency today to learn more about getting an insurance or to get a no-obligation quote.

What Is Homeowners Insurance?

Home insurance is a package policy, which means that it covers damage to your property after a covered loss and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

There are usually additional coverages or endorsements, also called riders, that you can add to the standard coverages provided by home insurance to ensure adequate protection.

Do I Need Homeowners Insurance?

While purchasing a home insurance policy may not be mandated by the federal, state or local government, your lender may require proof of home insurance if you have a mortgage. Carrying appropriate homeowners insurance is always a good idea as the policy can help financially protect you if you experience a covered accident or other loss. Without home insurance, you may be left to cover the replacement or repair costs on your own following an incident.

How Much Insurance Do I Need?

To determine how much homeowners insurance you need, ask your agent to help ensure your policy covers the full replacement cost of your home and its contents, accounting for inflation and current market prices.

Consider liability coverage to protect against potential lawsuits and third-party medical expenses if someone is injured on your property. Our agents can help evaluate your risks and tailor coverage to your unique needs.

How Much Does it Cost?

The cost of homeowners insurance depends on factors such as the value and location of your home, coverage limits and your deductible. Additional considerations include your home’s age, construction type and safety features, as well as your credit score and claims history. Ask our agents for a personalized homeowners insurance quote.

How to Get Homeowners Insurance

If you need a homeowners insurance policy or want to evaluate whether the coverage you have is adequate, we’re here to help. Give Luna Insurance Agency a call today to get started or request your free quote now.