Sealy, TX. Home Insurance Quotes

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Your home is likely one of your biggest investments. So why wouldn’t you want to protect it with homeowners insurance?
Home insurance can protect your investment in several ways. It can help cover the cost of repairs or rebuilding if your home is damaged by a covered event such as a fire or tornado. It can also help cover the cost of your personal belongings if they are damaged or stolen.
In addition, home insurance can help protect you financially if someone is injured on your property and decides to sue you.
Sealy, TX. is a great area to call home, but it’s also prone to natural disasters. That’s why it’s important to have homeowners insurance in place, to help protect you and your family in the event of a disaster.
If you’re looking for home insurance in Sealy, TX. be sure to contact Ruth Mercier Insurance Agency. We can help you find the right policy to protect your home and your family.
 

The Structure

You need enough insurance to cover the cost of rebuilding your home at current construction costs. Don't include the cost of the land. And don't base your rebuilding costs on the price you paid for your home. The cost of rebuilding could be more or less than the price you paid or could sell it for today.

Some banks require you to buy homeowners insurance to cover the amount of your mortgage. If the limit of your insurance policy is based on your mortgage, make sure it's enough to cover the cost of rebuilding. (If your mortgage is paid off, don't cancel your homeowners policy. Homeowners insurance protects your investment in your home.)

For a quick estimate of the amount of insurance you need, multiply the total square footage of your home by local building costs per square foot. To find out construction costs in your community, call your local real estate agent, builders association or insurance agent.

Factors that will determine the cost of rebuilding your home:


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