Homeowners Insurance in Houston, TX
A homeowners insurance policy may cover you against unforeseen incidents that may damage your property and cause substantial losses. At Esquivel Insurance Agency, we’re here to guide homeowners like you on choosing the policy that meets your needs.
What Does It Cover?
A standard homeowners insurance policy may offer the following coverages:
- Dwelling coverage may cover repairs to your home’s façade and other components, such as its foundations and roof.
- Other structures coverage may cover the reconstruction or repair of detached structures such as fences and garages.
- Liability coverage may help pay for the necessary expenses if you’ve been held liable for third-party bodily injuries or property damage.
- Loss of use coverage may help pay for expenses like food, shelter and other necessities if a covered risk renders your home uninhabitable, forcing you to move out temporarily.
- Personal property coverage may cover the repair or replacement of your appliances, clothes, gadgets or furniture.
How Much Does It Cost? 
Insurers may offer different costs of homeowners insurance. However, these factors may affect the calculation of your rate:
- Location
- Claims history
- Policy specifics (e.g., coverage limits, deductible)
- Property value
- Vulnerability to natural disasters (e.g., wildfires, hurricanes)
- Credit-based insurance score
Here are some ways you can lower your premiums:
- Bundle your homeowners insurance with an auto, boat or motorcycle policy.
- Equip your home with safety devices and smart home systems.
- Raise your deductible.
- Improve your credit score.
Get A Policy Today
Contact Esquivel Insurance Agency to learn more about our homeowners insurance offerings or request a quote.