High Value Homes

Homeowners Insurance


Your home is likely the most expensive "thing" on your list, it is also your most important investment. You need a local Austin insurance agent that knows your needs and the best way to protect your home with the perfect homeowners insurance policy. Homeowners insurance provides financial protection against disasters, such as fire, wind, hail, water damage, theft and personal liability. A standard policy insures the home itself and the things you keep in it.


Homeowner insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any personal injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.


Damage caused by most disasters is covered but there are exceptions. The most significant is damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.


At Time Insurance Agency our independent agents are experienced and trained to give you expert advice on the specific insurance that you need to best cover your home.


Homeowners Insurance Considerations:

  • Damage to your home's physical structure (Dwelling coverage)


  • Damage to other structures like a garage or shed (Other Structures coverage)


  • Your personal belongings - whether in your home or elsewhere (Personal Property coverage)


  • Additional living expenses if necessary in the event of a covered loss (Loss of Use coverage)


  • Your personal liability in the event someone is injured or their property is damaged by you or a family member (Liability coverage)