Home Insurance Quote in Addison, TX

Home insurance isn’t designed to cover everything. Expect exclusions like flooding, earthquakes, termite damage, general wear and tear, power outages, and intentional destruction. The best way to know what’s covered is to read the full policy, not just the summary.

Yes if the damage is caused by something listed in the policy, such as hail, wind, or a fallen tree. If the roof is simply old or wasn’t maintained, coverage likely won’t apply. The cause of damage matters.

Damage to a wooden fence from wind or hail is often covered, but there may be limits on payout amounts. Some policies require add-ons for higher coverage, so check the details to see where your policy stands.

Yes. A dwelling under construction still faces risks weather, fire, or theft, for example. If a builder is handling the job, a more basic policy might work. If you’re managing the project yourself, broader coverage may be required. The setup determines the right fit.

If a fallen tree damages your home or blocks the driveway after a storm, removal is often covered. If the tree falls without causing damage or was already dead, the cost may fall to the homeowner. Policy wording makes a difference.