Low-Cost, Reliable Coverage to Protect What Matters Most
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A standard homeowners policy shields more than just the house itself. Here’s a quick guide to what a typical plan covers:
| Coverage Type | What It Protects |
|---|---|
| Dwelling Coverage | Repairs or rebuilds your home after damage from covered risks like fires or storms. |
| Other Structures | Covers things like detached garages, fences, or sheds sitting on your property. |
| Personal Property | Pays for personal belongings such as furniture, clothes, and electronics if they’re stolen or damaged. |
| Loss of Use / Additional Living Expenses | Provides money for hotel stays, meals, and other costs if you need to live elsewhere during repairs. |
| Personal Liability | Helps cover legal fees and damages if someone is hurt on your property. |
| Medical Expenses | Pays for minor injuries to guests without a lawsuit even being filed. |
Strong coverage across these areas helps Kemah homeowners feel confident no matter what the Texas coast throws their way.
Insurance carriers in Kemah review a range of details before offering a quote. Some of the biggest influences include:
Each of these pieces helps paint a full risk profile, shaping what your Kemah home insurance rate will look like.
With Clear Lake, Trinity Bay, and Galveston Bay all nearby—and the Gulf of Mexico just beyond—Kemah faces a steady threat of flooding. Storms like Hurricane Beta, Imelda, and Harvey left devastating impacts across the region, highlighting the real financial risks.
Standard homeowners insurance doesn’t pay for flood damage. To protect your property and possessions from water damage caused by hurricanes, tropical storms, or heavy rain, a separate flood insurance policy is highly recommended. Even a few inches of water can result in tens of thousands of dollars in damages, making flood coverage a wise decision for anyone living along the Texas coastline.
Texas law doesn’t mandate home insurance, but nearly every mortgage lender will require you to carry it. Even for homes without loans attached, a solid insurance plan can save you from footing the bill after unexpected disasters.
Several key elements influence the cost of home insurance, including your home’s age, the building materials used, distance from flood zones, claims history, credit score, and even the type of roof you have. Living near the Gulf Coast also brings higher hurricane and flood risks, which insurers factor into the price.
Homeowners in Kemah should double-check that their policy includes windstorm protection for hurricanes. At Richey Insurance Agency, the policies we offer for Texas homeowners come with wind coverage automatically included for your peace of mind.
The HO-3 Special Form Policy remains the most common choice among homeowners. It offers broad protection for the structure of your home and your belongings, covering all risks except those specifically listed as exclusions.
