Home Insurance in Georgetown, TX

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Coverage for Homes In Georgetown, Texas

Residents of Georgetown Texas, (TX) hold assets that are increasing in value every year. Residential sales prices in the Williamson county seat are up 82.8% year over year. Protect your house and investment in the future with homeowners insurance in Georgetown TX. VIU by HUB brokers build policies that cover restoration and reconstruction costs in the event of major damage that give policyholders greater peace of mind. VIU by HUB can also cover other valuable possessions and offers supplemental flood insurance coverage.

Homeowners Insurance Covers Damage

The risk of property damage is the main reason to get homeowners insurance in Georgetown TX. Maintaining insurance coverage can reduce out-of-pocket costs associated with repairing damage or rebuilding a residence because of damage caused by a covered peril. Home insurance is helpful in the event of any of the following disasters:

  • Fire: Fire damage can range from singed or scorched materials in a home kitchen or any other part of a residence. The restoration process starts with cleanup and continues through rebuilding and the replacement of building materials and contents destroyed by open flames or high heat.
  • Storm: Minor to moderate damage may affect the exterior of a structure, but major storm damage can have consequences indoors. Homeowners should keep records of roof and other outdoor maintenance to provide to insurers in the event that you need to make a storm damage claim.
  • Water: Water damage caused by indoor systems such as a broken pipe or even a roof leak can be covered by home insurance. External water damage such as flooding is cut out of most homeowners insurance policies and requires additional coverage.

More Home Insurance Coverage

Homeowners should review the details of current or prospective home insurance policies. Many policies cut out or exclude certain types of damage. A VIU by HUB broker can add endorsements or riders to homeowners insurance in Georgetown TX or recommend any of the following policies to provide the level of coverage you need:

  • Flood: Floods in Georgetown caused by heavy rains or overflowing bodies of surface water are excluded from most home insurance policies. VIU by HUB provides homeowners with flood insurance.
  • Liability: Personal umbrella insurance can raise liability limits over a home insurance policy. A VIU by HUB broker can help you get personal liability coverage that applies at home and on the go.
  • Mold: Mold coverage is cut out of many homeowners policies. Fungus growth is a form of secondary damage resulting from water damage that was not properly restored. Report water damage and make a claim in a timely manner to reduce the risk of mold or get additional coverage for this hazard.
  • Sewer: Damage caused by a backed up drain pipe, sump pump or overflowing sewer main may not be covered. Population growth and increased development in Georgetown and Williamson may raise the risk of damage due to sewer backups. 
  • Valuables: A VIU by HUB broker can recommend coverage for fine art, jewelry or other high dollar items. This insurance goes above and beyond the limited coverage for personal property included in homeowners policies.

A VIU by HUB insurance broker can simplify the process of getting the coverage you need for your home in Georgetown, valuable possessions and personal liability. No matter which type of insurance you need, a broker will find the best coverage that is available.

This information is intended for general informational purposes only and is not intended to constitute legal advice.