Homeowners Coverage Checklist

Do you have coverage for the following?

1. Replacement Cost: If you have a claim, are you paid based on the cost to replace items, or their depreciated value? (known as Actual Cash Value)

2. Water Damage Coverage: Are you protected against sudden and accidental water damage, like burst pipes(remember February 2021's winter storm)?

3. Slab Leak Protection: Are you covered for damages caused by sudden and accidental leaks from pipes in or under your slab foundation?

4. Personal Property Coverage: Do you have enough coverage inside your home for things like clothes, furniture, etc.?

5. Liability Protection: Most policies in Texas will provide some type of Liability Protection, how much do you have? Generally, the policy only gives you $50,000

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