Protect Your Home and What Matters Most
Your home is one of your most important investments. The right homeowners insurance can help protect your property, personal belongings, and finances when the unexpected happens. Oakdale Insurance Group can help you compare coverage options and find a policy that provides the protection you need at a competitive rate.
Coverage A helps protect the physical structure of your home, including attached structures and certain permanently installed features, against covered losses. The value of the land itself is not included.
Your dwelling coverage limit should reflect the estimated cost to rebuild your home, rather than its market value. Depending on the policy and applicable conditions, maintaining adequate coverage may allow covered losses to be settled on a replacement-cost basis, up to the policy limits.
Renters insurance policies generally do not include Coverage A because the renter does not own the building, although certain improvements or alterations may be covered depending on the policy.
Coverage B helps protect structures on your property that are separate from your home, such as detached garages, fences, sheds, and other qualifying structures.
Coverage limits are typically based on a percentage of your dwelling coverage, with additional coverage potentially available depending on the policy and your specific needs. Certain structures used for business purposes may have limited or excluded coverage.
Coverage C helps protect your personal belongings, such as furniture, clothing, electronics, appliances, and other possessions, against covered losses.
Certain types of property—including jewelry, cash, collectibles, firearms, and other high-value items—may have special coverage limits. Additional protection may be available through endorsements or scheduled personal property coverage.
Coverage limits and how claims are settled vary by policy, so it’s important to make sure your coverage reflects the value of the belongings you want to protect.
Coverage D helps with additional living expenses if your home becomes uninhabitable due to a covered loss. This may include temporary housing, meals, and other necessary expenses above your normal living costs while your home is being repaired or rebuilt.
It may also provide fair rental value coverage for lost rental income if a covered loss prevents a rented portion of your property from being occupied, subject to the terms and limits of your policy.
Coverage E helps protect you financially if you or a covered household member is legally responsible for bodily injury or property damage to someone else.
Depending on the policy, coverage may help pay for legal defense costs, settlements, and judgments resulting from covered claims. This could include situations such as a guest being injured on your property or accidentally causing damage to someone else’s property.
Coverage limits vary by policy, and additional liability protection may be available through a personal umbrella policy.
Coverage F helps pay for reasonable medical expenses if a guest is accidentally injured on your property, regardless of who is at fault, subject to the terms and limits of the policy.
Coverage may help with expenses such as medical treatment, hospital services, X-rays, and other eligible medical costs. This coverage generally applies to guests and others outside your household—not you or members of your household.
Coverage limits vary by policy and carrier.
Homeowners insurance may include additional protections for certain expenses and losses beyond your primary dwelling and personal property coverage. Depending on the policy, these may include debris removal, emergency repairs, damage to trees and landscaping from certain covered perils, fire department service charges, property removal, loss assessments, collapse, and certain identity theft or credit card-related losses.
Coverage, limits, and exclusions vary by policy and carrier, so it’s important to review your policy carefully to understand the additional protections available.
Homeowners insurance policies also contain exclusions—events or types of damage that are not covered by the policy. Common exclusions may include flooding, earth movement, neglect, intentional damage, war, nuclear hazards, and certain types of water damage.
Other losses, such as mold, sewer or drain backup, and costs associated with changes in building codes or ordinances, may be limited or excluded unless additional coverage or endorsements are purchased.
Because exclusions vary by policy and carrier, it’s important to understand what your homeowners policy does—and does not—cover.
Flood damage is generally not covered by standard homeowners insurance policies. A separate flood insurance policy can help protect your home and personal belongings from covered losses caused by flooding.
Flood insurance may be available through the National Flood Insurance Program (NFIP) or through private insurance carriers. Coverage options, limits, and eligibility vary, so it’s important to select protection appropriate for your property and flood risk.
Oakdale Insurance Group, LLC
16554 Creek Bend Drive
Suite 220,
Sugar Land, Texas 77478
Commercial:
Commercialins@oakdalegroup.com
Personal:
Personalins@oakdalegroup.com
Accounting:
Accounting@oakdalegroup.com
Phone:
(713) 779-0445
Fax:
(713) 779-0447
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