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What's covered in a Standard Homeowners policy?

If you have a standard homeowners insurance policy in Texas, it will typically include these four essential types of coverage

  • Coverage for the structure of your home
  • Coverage for your personal belongings
  • Liability protection
  • Additional living expenses if you are temporarily unable to live in your home because of an insured disaster

1. The Structure of Your House
Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy.

2. Your Personal Belongings
Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disasters.

Useful tool for all homeowners: The I.I.I. offers a free home inventory tool that lets you create, maintain a photo home inventory, and store it safely in the cloud. To learn more, visit

Important fact: your expensive items like jewelry, furs, art, collectibles and silverware are covered, but there are usually dollar limits if they are stolen. To insure these items to their full value,
talk to one of our personal agents about purchasing a special personal property endorsement or floater. 

3. Liability protection
Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets.

4. Additional living expenses (ALE)
ALE pays the additional costs of living away from home if you cannot live there due to damage from a an insured disaster.

For more details on what's covered in a Standard Homeowners policy, visit the Insurance Information Institute  

Visit the Thumann Agency
12770 Coit Road Suite 110 Dallas, TX 75251 | Phone: (972) 991-9100 | Fax: (972) 690-1733