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Home Insurance

Home Insurance In Texas

Homeowner’s insurance can be complicated. What needs to be done to insure your home from tornados to extreme heat? We at Stogner Insurance LLC can provide the expertise and guidance to make your life in the Lonestar state more secure.

What makes home insurance different in Texas?

For starters, Texas homes have different risks involved. The weather can be extreme, with intense heat, thunderstorms, and tornados. Because of this, we make sure to provide coverage that covers these perils. A peril is something that causes or may cause injury, loss, or destruction, such as fire, tornado, or snow.

What should you have before you sign a policy?

Because home insurance has many variables, it is essential to consider them to understand the coverage that your home needs. Below are some questions you will want to prepare for.

  • What would it cost to replace my belongings if my home was damaged entirely? A home inventory checklist, or documentation regarding the value of items in your home, is vital to determine the amount of coverage needed for a home insurance policy. Take pictures, gather receipts, credit card statements, and make notes of the items in your home.
  • Do I live in an area that is more prone to damage? If you live on the coast, your chances of flooding and hurricane damage increase.
  • How old is my home?
  • When was my HVAC, roof, plumbing, or electricity last renovated? It is crucial to keep the invoices for such services as accurate as possible.

For an immediate quote, use our online rating tool to determine how to cover your home insurance needs. If you have any questions or want more information, please stop by our office at Stogner Insurance LLC today.

Our Insurance Services

When it comes to insurance, we strive to provide the best. We can help you get the following coverages:

Partner Carriers

  • RHP