Do you live in or around the Austin, TX area? Are you a homeowner? The TAB Insurance Agency LLC can provide the coverage you need to protect your most valuable asset.

Why is homeowners insurance important? Because it protects the home and personal property of the owner. In the event of a total loss, insurance becomes the primary source of money to rebuild. Also, liability protection is provided for any legal action resulting from injuries to a visitor.

A standard homeowners policy provides coverage to replace or repair your home and its contents. It includes damage resulting from theft, vandalism, smoke, fire, or a weather event such as wind or hail.

One of the most critical aspects of homeowners insurance is the level of coverage. No need to pay for more than you need. HO-2 is the most common level of coverage, which protects against 16 perils as outlined in the policy.

Several things determine the cost of the premium.

• Additional coverage purchased
• Amount of coverage
• Amount of deductible
• Credit history
• Home’s age and condition
• Home security and safety features
• Price of the house and cost to rebuild it
• Your location

Some things are not covered by a homeowners’ insurance policy.

• General wear and tear
• Bird and rodent damage
• Mold
• Poor artistry
• Rot
• Rust
• Smog or smoke from industrial or agricultural operations
• Termites and insect damage

It is mandatory that when a mortgage is carried on the property, it is insured so the insurer’s interests are protected. But even if the property is mortgage-free, it should be insured to protect the assets and equity of the homeowner.

Make sure your most valuable asset is protected. Contact the TAB Insurance Agency LLC today for a no-obligation quote. You will be glad you did.