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Every Fresno homeowner needs a policy that covers more than just the basics. Here’s a clear breakdown of what’s typically included:
| Coverage Type | What It Protects |
|---|---|
| Dwelling | Covers the structure of your home—walls, roof, foundation. |
| Other Structures | Includes sheds, fences, and detached garages. |
| Personal Property | Protects furniture, clothing, and electronics. |
| Loss of Use / Living Expenses | Pays for hotel stays, meals, and living costs if your home becomes unlivable. |
| Personal Liability | Helps cover legal costs if you’re held responsible for injury or damage. |
| Medical Payments to Others | Pays for minor injuries to guests on your property. |
Each category plays a role in safeguarding different aspects of your home and lifestyle. Together, they form the backbone of a reliable home insurance policy in Fresno.
Flood Insurance – Fresno homes can face flood risks that regular policies won’t cover. Adding this coverage helps protect your home from damage caused by rising water.
Windstorm and Hail Coverage – Weather in Texas isn’t always calm. This add-on helps cover repairs from wind and hail damage, which are common in the region.
Water Backup – A backed-up drain or sump pump can leave behind a costly mess. This coverage steps in to handle the cleanup and repairs.
These additions give your policy more flexibility—especially for the kinds of issues that hit Texas homes hardest.
Insurance isn’t one-size-fits-all, and we don’t treat it that way. Here’s how we make a difference:
We’re based in Texas, we work with Texans, and we make sure your coverage works for your situation—not someone else’s.
Most base policies start at $100,000 in liability coverage. Still, $300,000–$500,000 is often recommended to protect your assets and future earnings from lawsuits.
To receive full claim payouts, your policy should cover at least 80% of the total cost to rebuild your home. If you fall below that threshold, your insurer may only pay part of the damage—leaving you to cover the rest.
A limit sets the highest amount your insurer will pay for a specific type of claim. Every part of your policy—like personal property or liability—has its own limit. It’s worth reviewing them carefully to make sure nothing falls short.
Fresno homeowners have seen prices climb due to more frequent severe weather and rising repair costs. Insurance companies adjust rates based on risk—and in areas with high claims activity, that means higher premiums.
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