Homeowner's Insurance Policies

Homeowner's Insurance Policy Basics

Our Texas homeowner's insurance policies cover much more than just the structure of the house. Some of our policy features include:

Coverage for your Dwelling

Dwelling coverage protects your home's structure from loss caused by a covered peril, such as fire, hail, and lightening. Dwelling coverage also includes an attached garage.

Personal Property

In addition to your dwelling, you are also covered for the loss of personal belongings inside your household. These items might include furniture, electronics, clothing, appliances, and other necessities. Dean & Draper can also provide a valuable articles endorsement to cover more expensive items not fully covered in a standard homeowner's insurance policy.

Loss of Use

Your Texas homeowner's insurance policy will also pay for temporary housing and meal expenses that may be required if you are forced to leave your home due to property damage.

Personal Liability

If a guest of your home suffers an injury or damage to their personal property while visiting your home, your homeowner's insurance policy will cover the costs. For additional coverage, Dean & Draper can recommend a personal umbrella insurance policy.

Medical Payments

Lastly, your homeowner's insurance policy will cover medical costs related to injury of any guests of your home while they are on the property.