What Does Home Insurance Typically Cover?

Imagery of the benefits of having home insurance

As a proud homeowner, you know that your home is more than just a four-walled structure built on a surface. It is a dream come true – an investment, if you will, and just like anything that you keep near and dear, it needs to be protected. Now, managing your home’s upkeep, like daily cleaning, monthly inspections, and utility repairs is an efficient method of keeping your building from falling apart. However, no matter how responsible you are when it comes to taking care of your home, there will always be events that are difficult or impossible to control, which may lead you to losing your home.

Normally, when people start preparing for situations such as disasters, property damages caused by vehicles, in-home accidents, and the like, they usually fortify both the interior and exterior areas of their building. Although these methods are the obvious preparations homeowners will turn to, they are not ideal methods when you want to get out of a financial disaster. If you are in need of a security that will not only help you cover the damages that have been lost by unforeseeable events, but also uplift you during your times of crisis, then filing for a home insurance is the right decision to make.

Home insurance, or also known as homeowner’s insurance, is a type of property insurance that caters to private residences. Its policies are able to give homeowners the financial aid they need. However, before you finally decide to file for one, it is good to be reminded that home insurance only covers specific losses and special cases – it is not able to cover every disastrous situation that your home might face.

What Standard Home Insurance Does and Does Not Cover

There are numerous factors insurance companies look into when someone asks for financial aid, and depending on the situation that transpired or the disaster you faced, they may accept or decline your request.

What it can Cover

Dwelling coverage

If your home was damaged by a covered cause of loss and needs to be rebuilt or repaired, then insurance companies will give you the thumbs up and give you the amount you need. You will be able to repair various areas and elements of your home which includes electrical wiring, plumbing, and heating and air conditioning.

Personal property

Home insurance is able to reimburse you, if you have personal items that have been lost or damaged by the specific disasters listed in the plan.

Other home structures

If your detached structures - such as garages, sheds, fences, and the like - are damaged, they are also covered by home insurance - enabling you to repair or rebuild them without facing any difficulty.


In an even that you are facing a lawsuit, your insurance company will help you protect your assets and cover your defense costs. Remember, that you will be aided by this coverage only if you, or anyone who is living with you, are responsible for causing damages to the properties of other people.

Temporary lodging

In some situations, you will need to look or lodge into a different dwelling for a certain period of time, and since your home is currently under reconstruction, this insurance will help you pay your additional housing and living expenses.

What it Does Not Cover

Typically, home insurance will not be able to cover two very specific natural disasters namely, floods and earthquakes. However, if you want to be fully protected, even from these two events, insurance companies provide a separate plan – enabling you to be prepared for any type of disastrous situation.

If you are in need of the best insurance plans for your properties in the state of Texas, we, at Quote Texas Insurance, have the best deals we know you need. We cover both residential and commercial properties, and offer various insurance options, which will satisfy your wants and needs. Our insurance plans include:

And a whole lot more!

Give us a call at: 844-402-4464 or visit our contact page here, and we’ll be more than happy to answer all your inquiries.