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Homeowners Insurance

Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

After you submit your quote, an agent will contact you within two business days.

Homeowners Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Homeowners Insurance Information

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both:

  • Damage to the homeowner’s property and the homeowner’s liability or legal responsibility for any injuries
  • Property damage the homeowner or members of the homeowner’s family cause to other people. (This includes damage caused by household pets.)

Damage caused by most disasters is covered but there are exceptions. The most significant exceptions are damage caused by floods, earthquakes and poor maintenance. Separate policies must be purchased for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
Your home is likely one of your largest investments. If you are still paying for your home, your lender will require homeowners insurance.

Homeowner’s insurance protects you financially if something unexpected happens to your home or possessions including:

  • Fire or Natural Disaster - If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • Medical Expenses - If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • Theft or Vandalism - If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to discuss what is covered and be sure to read your policy to know exactly what's included and what is not.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your coverage decisions:

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed?
    (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service?
    (Is it known for paying claims fairly and promptly?)
  • What discounts are available?
    (Ask about multiple policy, security system and fire resistance discounts.)
  • Is this a basic or broad contract?
  • What types of losses am I insured for?
  • What's the process for filing and settling a claim?
    (Ask who to call and what happens after you file a claim.) 

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

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P.O. Box 691586
San Antonio, TX 78269

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