Home Insurance in Mcallen, TX

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What Does Home Insurance in McAllen, TX Cover?

If you're moving to Hidalgo County, chances are that you're buying a house in McAllen, Texas. This city on the Rio Grande is the biggest one in its county and is now a true city instead of an agricultural center. As you get ready to change your ZIP Code to 78501 or 78502, don't forget to contact one of our VIU by HUB brokers for home insurance in McAllen, TX. Here's what you can expect your plan to cover.

Property Damages

McAllen does not experience as many natural disasters as other parts of Texas, but it still has some severe thunderstorms and tornadoes. If one of these storms sends a tree onto your house, the repair bills can be costly. When you have home insurance in McAllen, you can take pictures of the damage and send them to your insurance provider, who helps with the expenses.

Home insurance covers human-caused damages as well as those caused by natural disasters. McAllen, TX is a safe town, and its crime rate has dropped in the past few years, but there's always a chance that someone could break into your house in Whalen Acres Colonia, North Ware Terrace, Kane, or another McAllen neighborhood. If burglars knock down your door or break your windows as they enter, your home insurance in McAllen assists with the repairs. 

Personal Liability

As a homeowner, you have a responsibility to keep people safe when they're on your property in McAllen. If you host a party and someone trips in a hole in your yard or falls onto shattered glass, you could be liable for his or her hospital bills. If you have home insurance in McAllen, TX your insurer covers your liability.

Personal liability coverage also means that if you damage your neighbor's property, you don't have to worry about getting sued for repairs. If you back into your neighbors' fence as you drive home or if you damage their house during yard work, just file a claim with your home insurance provider.

Added Living Costs 

Added living costs refer to any expenses you face when you can't live in your house. For example, if a windstorm sends a tree into the middle of your house, you need to stay in a hotel until the tree can be removed and your house is rebuilt. You also need to pay for new groceries or restaurant food because your kitchen is unusable. Rather than paying for these necessities out of pocket, paying your monthly insurance premiums means that your home insurance in McAllen, TX covers your added living costs.

Property Replacement

If someone breaks into your McAllen house and steals your television, computer, iPod, and other valuable possessions, your savings account might not have enough money to buy replacements. Even inexpensive items such as your everyday clothes can add up to huge expenses if you lose them in a fire or storm. Your home insurance in McAllen, TX includes the replacement or repair costs for your covered belongings.

If your valuable artwork, an expensive watch, or brand-new electronics exceed your coverage limit, talk to your insurance broker about adding these items to your home insurance plan separately. Doing so may increase your premiums, but it also ensures that you have all the coverage you need if your property is damaged.

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