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Homeowners Insurance in Liberty

What is Homeowners Insurance? 

Homeownership brings joy, security, and a sense of accomplishment. However, it’s essential to protect your investment. Homeowners insurance is a crucial part of safeguarding your home against unexpected events. At Poole Insurance Agency, we understand the unique needs of homeowners in Liberty, TX, and we’re here to guide you through the process of securing the right coverage. 

What Does Homeowners Insurance Cover? 

Homeowners insurance is a type of insurance policy that provides financial protection for your home and its contents. It typically covers damages to the structure of your home, personal belongings, liability for injuries on your property and additional living expenses if your home becomes uninhabitable due to a covered event. 

The standard HO-3 homeowners insurance policy provides the following coverage: 

  • Dwelling coverage—Dwelling coverage protects the structure of your home, including the walls, roof, floors, and built-in appliances. It helps repair or rebuild your home if it’s damaged by covered perils such as fire or vandalism. 
  • Personal property coverage—This coverage extends to your personal belongings inside the home, such as furniture, clothing and electronics. If your possessions are damaged or stolen, personal property coverage can help replace or repair them. 
  • Liability coverage—Liability coverage provides financial protection if you are found responsible for injuring someone or damaging their property. This includes legal defense costs and damages awarded in a lawsuit. 
  • Additional living expenses (ALE) coverage—If your home becomes uninhabitable due to a covered event, ALE coverage helps pay for temporary living expenses like hotel bills, meals and other incurred costs while your home is being repaired. 

Do I Need Any Other Coverage for My Home? 

While homeowners insurance provides essential coverage, it’s essential to evaluate if additional coverage is needed based on your unique circumstances. Poole Insurance Agency offers a range of supplementary coverage options, including: 

  • Flood insurance—Liberty, TX, is no stranger to occasional flooding. Homeowners insurance typically does not provide coverage for flood-related damages. Protect your home against flood-related damages with a separate flood insurance policy. 
  • Umbrella insurance—For increased liability protection beyond the limits of your standard homeowners policy, consider umbrella insurance. 

How to Get Home Insurance 

At Poole Insurance Agency, we tailor insurance solutions to meet your specific needs. Contact us today to discuss your homeowners insurance requirements and explore additional coverage options. 

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