Home Insurance in San Antonio, TX

Owning a home is a valuable investment, but it comes with risks like natural disasters, theft and accidents. That’s why having home insurance is essential. It can protect you from potential financial burdens caused by unexpected damage or loss.

At Tom Reyes Insurance Agency in San Antonio, Texas, we can provide personalized insurance solutions to meet your needs. Our dedication to excellent customer service makes us a trusted partner in safeguarding your home and assets.

What Home Policies Cover

Home insurance typically covers several key areas to protect your home and belongings. Here are the main components:

• Dwelling coverage may cover the structure of your home, including walls, roof and built-in appliances, against perils like fire, windstorms and hail.

• Personal property coverage may protect your personal belongings, such as furniture, electronics and clothing, from theft, fire and other covered events.

• Liability protection may provide coverage if someone is injured on your property and you are found legally responsible. It can help pay medical expenses and legal fees.

• Additional living expenses may help cover the cost of temporary housing and other related expenses if your home is uninhabitable due to a covered event.

• Other structures coverage may include structures not attached to your home, like a detached garage, shed or fence.

How Home Insurance is Calculated

The cost of home insurance is calculated based on several factors, including the home age, location and construction materials. Insurers also consider the home’s replacement cost, which is the amount needed to rebuild it from scratch. Additional factors like the homeowner’s credit score, claims history and the presence of safety features (e.g., security systems) can also influence premiums.

Where to Get Homeowners Insurance

If you’re searching for reliable homeowners insurance in San Antonio, Texas, Tom Reyes Insurance Agency is here to help. We’ll explain the key factors to consider so you can make confident, informed decisions to protect your home and family. Contact us today to learn more.