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Texas Home with Home Insurance Coverage

Home Insurance

Home Insurance

Home damage can leave your family vulnerable both physically, financially, and emotionally. Having the proper home insurance in place, though, can help protect you and your loved ones from this vulnerability. At Four Oaks Insurance Group Inc, serving Texas, we know how important it is to have good information to base your decisions. This is why we take the time to educate clients on insurance topics. Keep reading to learn more about home insurance.

Is Home Insurance Necessary?

If you have financed your home through a mortgage, the mortgage company will often require that a certain amount of home insurance be carried on the home for the life of the loan. If you own your own home, home insurance may still be required by the region you live in. Home insurance helps to protect families from unexpected expenses from damage or homelessness.

How Much Coverage Do I Need?

The amount of coverage that is needed will be different for each family. Coverage amounts are determined based on factors such as the home's value, the natural disaster risk factors of the area, liabilities of the home, and the value of personal belongings being housed on the property. These factors will be different for each family.

The best way to determine the proper amount of coverage is to sit down with an insurance representative. These professionals will be able to discuss the factors mentioned above with you so that you can purchase the appropriate amount of coverage.

Is Flood Insurance Included?

Homeowners need to understand that flood insurance is often not included in basic home insurance policies. If you are concerned about flood risks, you will need to discuss this with an insurance representative.

If you would like to learn more about our services, please contact us at Four Oaks Insurance Group Inc., serving Texas. We will be happy to answer your insurance questions today.

Our Trusted Partners

  • Allstate
  • American Risk
  • Assurant Flood
  • Attune
  • Bristol West
  • Clearcover
  • CNA Surety
  • Employers
  • Foremost
  • Hallmark
  • Infinity
  • Liberty Mutual
  • Mercury
  • Next
  • Orchid
  • Progressive
  • RLI
  • Safeco
  • Safe Point
  • State Auto
  • Southcoast Surety
  • Swyfft
  • Texas Mutual
  • The Hartford
  • Travelers
  • Twico
  • Wellington
  • Wright