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The Facts About Texas Homeowners Insurance

Homeowners Insurance

If you are like most folks, your home is your most important asset. Texas Homeowners Insurance pays to repair or replace your house and personal property if they are destroyed by an event or occurrence covered by your policy. And in South Texas, the threat of Hurricane is a real concern for those living near the coast.

Losses from Fire, Lightning, Windstorm, Hurricane, Hail, Sudden & Accidental Discharge of Water, Theft, and Falling Objects are some of the common perils insured against in most Homeowners Insurance Policies. However, all Homeowner Insurance Policies are not created the same. It’s always best to have one of our insurance professionals to explain the features, benefits and options offered by the carriers we represent.

Dormer Insurance Services will find the right policy with adequate coverage at a competitive rate by shopping our multiple companies…the best value for your insurance dollar.

To get insurance quotes online, simply fill out the form at the top of this page. We'll then take your information and compare it to the various insurance carriers available.

Factors That Determine Premium

  • Age of the home
  • Protective Devices and Monitered Security System
  • Location of home
  • Exterior construction ( Brick Veneer, Wood Frame, Hardie Plank)
  • Deductible Level
  • Claim History
  • Retired/Over 55 Discount
  • Supporting business discount such as auto insurance with same company

Renters Insurance

This policy is just like a homeowner’s policy but it does not insure the dwelling structure, only your personal property, which is commonly called contents. Items like your furniture, clothes, and electronics. A renter’s policy also includes liability, medical payments and off premises theft. Other options are available.

Your landlord is not responsible for damage to your personal property from a loss such as a hurricane, fire, discharge of water, theft, etc unless they cause the loss or can be held responsible. As a tenant you can be held responsible for unintentional damage you do to the rented premises , such as a kitchen fire.

Our insurance professional will be happy to explain the features and benefits of renters insurance.

To get insurance quotes online, simply fill out the form at the top of this page. We'll then take your information and compare it to the various insurance carriers available.

Dormer Insurance Services

13 N Main St • Town Center
Kingwood, TX 77339

Phone: 281-360-3252
Toll Free: 1-866-982-3252
Fax: 281-360-0229

ed.dormer@dormerins.com

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