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.
Homeowners Insurance Information
In the last few years, the Austin suburbs have seen explosive growth. Property values have risen, and the real estate market has become extremely competitive. That’s why when you buy a home, you’ll want to protect that investment for its full value with exceptional homeowners insurance.
As a community-focused, independent insurance agency, Sam Buentello Insurance is in a prime position to help all our neighbors in Cedar Park and beyond get quality home insurance that will protect their property, family and financial security in all the best ways. The right policy will prove instrumental in keeping you financially secure in case of any unexpected hazard in your home.
To get the plan that is perfect for you and your family, just get in touch with us today!
Common Home Insurance Questions
How Does Home Insurance Work?
Are you worried about how much it is going to cost to repair your home if you have a fire or if a storm damages it? What will it cost to replace possessions stolen in a home break-in? How will you pay if someone sues you because they slipped on your front steps and got hurt? These are questions that probably strike every homeowner from time to time.
The dollar value of any accident, hazard, damage or peril on your property doesn’t really matter. Any expense out of pocket is going to be a strain that you didn’t expect to pay. That’s why the responsible homeowner should always carry home insurance. It’s there to help you afford the unpreventable costs, unavoidable losses or accidents at home. You won’t lose precious money trying to clean up a mess that you never could have expected.
What Does Home Insurance Cover?
All homeowners insurance policies vary. After all, no two properties or the people who live in them are identical. To build optimized protection you will probably need several pieces of coverage:
- Dwelling coverage insures the house itself against physical damage.
- Other structures coverage pays for damage to detached structures — such as fences, carports, sheds or detached garages.
- Liability coverage pays when someone who doesn’t live with you gets hurt or sustains property damage that is your fault. It will help you repay them for their losses.
- Loss of use coverage helps cover living expenses that might arise following accidents in the home that force you to temporarily move out.
Alongside these benefits, you might be able to augment your coverage with such perks as:
- Accidental medical payments coverage
- Scheduled items riders
- Replacement cost contents insurance
- Umbrella liability insurance
- Pet bite liability coverage
- Sewer/sump pump overflow coverage
- Equipment breakdown insurance
Keep in mind, if you live in an area with high flood risks, then your insurer might require you to buy flood insurance, too. Flood insurance is not part of standard home insurance. You will likely have to buy a plan underwritten by the National Flood Insurance Program (NFIP).
Your agent at Sam Buentello Insurance is happy to help you get the perfect coverage. We’ll tap into our expansive network of quality carrier-backed policies to find the one that offers you the best opportunities to save without sacrificing critical coverage.
When Is Home Insurance Required?
Once you buy a home, you should always have home insurance. There is no question about it. That’s why you need to have a plan from the day you close on a home purchase.
This is especially true if you finance your home. Before they will approve your application, most lenders will require you to buy a policy. This makes sure that the investment they make in your property remains secure.
|