Home Insurance Quote in West Lake Hills, TX

A standard homeowners insurance policy commonly an HO-3 includes six core protections designed to safeguard your home, belongings, and liability risks. Here’s a closer look at what’s typically included:

• Dwelling Coverage
  Pays for repair or rebuilding costs if your home is damaged by covered perils like fire, wind, or theft.
• Other Structures Coverage
  Applies to detached structures such as fences, garages, or sheds located on your property.
• Personal Property Coverage
  Covers belongings inside your home, including furniture, electronics, and clothing, up to your selected limits.
• Loss of Use Coverage
  Helps with temporary living expenses if your home becomes unlivable due to a covered event.
• Personal Liability Coverage
  Offers financial protection if someone is injured on your property or if you’re held responsible for accidental damage to someone else’s property.
• Medical Payments Coverage
  Covers minor medical expenses for guests who are injured on your premises, regardless of fault.