Texas home insurance is essential. Homeowner's insurance protects against natural disasters, and with Texas located in the area known as Tornado Alley, the chances of having your home damaged by a tornado are increased. The average number of tornadoes that touch down in Texas each year is 137. Tornadoes are almost always accompanied by a thunderstorm that produces large hail and wind.
Even the sturdiest homes can be damaged during a thunderstorm and completely destroyed in a large enough tornado. Without insurance on your home, you could lose everything in the blink of an eye.
Roofs in Texas take a beating during the thunderstorm season. Baseball size hail is common and can punch a hole all the way through the shingles causing an immediate leak. Even smaller hailstones damage shingles during a thunderstorm. The sheer strength of the wind in a thunderstorm can also blow the shingles completely off a roof. Home insurance can cover this type of damage and cost less out of your pocket for repairs.
The wind from a thunderstorm can damage your home, as well. Strong winds can blow large debris into the side of your home, or through a window causing major damage. Winds also knock down trees that can fall on your roof or house.
Weather is the number one reason that Texans need home insurance. Not only does Texas have a large number of thunderstorms and tornadoes, it is also vulnerable to hurricanes near the Gulf Coast. Home insurance protects against natural disasters like hurricanes and flooding.
Without home insurance, you will have to pay out of pocket to make any repairs to fix the damages your home has incurred. There are different policies that provide different amounts of coverage for different costs. Naturally, the more things your policy protects against, the more expensive the payment. It is important to determine the best insurance policy for your family's needs.
Contact us to find out more about Texas home insurance, or have additional questions.