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The following article was published in our article directory on December 18, 2012.
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5 Things You Should Know Before Buying Texas Home Insurance

Article Category: Advice

Author Name: Jim

Many problems arise because the consumers do not fully understand insurance, how the premiums are calculated, factors considered, etc. Here are a few things that you should know even before you buy your Texas home insurance.

The HOs

You do not exactly have to memorize the terms if you want to get good Texas home insurance but it is better if you know what a policy covers; what you will be getting. For instance, HO-1 means a limited insurance policy that is not offered by all home insurance companies in the United States while HO-2 covers the most common home insurance perils but with lots of limitations. The HO-3 covers more peril than HO-2 unless the company particularly excluded one or more perils while the HO-4 is basically a renter s insurance. There is even an HO-6  for condominiums  and HO-8 for old homes.

The Perils

The kind of perils that your Texas home insurance is what defines the coverage you get. It also affects the premium you have to pay. Of course, you pay more when more perils are covered.

The most common perils that are covered by home insurance policies are smoke, fire or lightning, hail and windstorm, heavy ice or snow, explosion, riot, damage caused by automobiles, damage caused by aircrafts, vandalism, theft, falling object, volcanic eruption, overflowing water from your appliance or plumbing system, accidental tearing or burning of water heating systems, freezing of plumbing or sprinkler system, and damages caused by artificially generated electric current. Sixteen perils in total. A good policy should cover all these perils unless the premium is remarkably low.

Being Your Agent

It is not recommended but it is possible to be your own insurance agent. Be sure to think like one. Looking for Texas home insurance, you will surely find a lot of companies and each of them has lots of policies to offer. Which one is for you? It is best to know how much your stuff including furniture and appliance is worth. Of course, you do not have to add up every piece s cost. Like agents, you just have to calculate 50 to 75 percent of your home s value. The answer will be the so-called content value. Note that high-end items like artworks are not included in standard home insurance policies.

House s Market Value and Replacement Cost

If you are new to home insurance, be sure that you are not confused with house market value and replacement cost. The replacement cost is less than the current value of your home and it is the one that will be covered by your home insurance.

House s Market Value and Insurance Premium

To avoid confusion early on, you should also know that the house s market value does not affect your insurance premium. Your Texas home insurance premium will not drop when your home s market value goes down. Just think of how the cost of construction materials continues to increase. The insurance company would have to pay for them in case of peril even if your home s market value decreased by 30 percent.

Keywords: Texas Home Insurance, Texas Flood Insurance, Renters Insurance in Texas, Texas Renters Insurance, Texas Insurance

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