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A standard homeowners policy protects against a variety of risks, with coverage organized into six main areas. The HO-3 policy is the most common choice for Lockhart residents, offering protection for the structure of your home, other buildings on your property, your belongings, and certain legal and medical liabilities. You can also expand your protection with optional endorsements tailored to your needs.
Six Core Coverages in an HO-3 Policy:
There’s no legal mandate, but mortgage lenders typically require coverage until the loan is paid off. Even without a lender, having protection in place helps safeguard your investment.
Mold is only covered if it results from a covered event. For instance, water intrusion from a storm that leads to mold growth may be covered. Some insurers offer an optional mold and fungus endorsement for added protection.
If your home isn’t insured for at least 80% of its replacement cost, the insurer may not pay the full amount for a loss, leaving you to cover part of the expenses yourself.
Yes. Many homeowners choose to insure for the replacement cost, which reflects what it would take to rebuild the home, not its current market value.
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