Dwelling Fire Insurance in Texas

At David Kimbrough Insurance Agency, we will help you find a Dwelling Fire Insurance policy that is both affordable and comprehensive. We will help you analyze your property, and then explain your coverage options in a clear, understandable way while saving you time and money in the process.

Dwelling Fire Insurance helps provide financial coverage from fire damage.

• Dwelling Fire Insurance policies cover houses and structures that are NOT occupied by the owner.
• A Homeowners insurance policy will NOT cover damages to a home not occupied by the policy.
• Dwelling Fire Insurance Policies cover all fixed structures, such as the home itself, the foundation, cabinets, walls, counter tops, etc.
• Most Dwelling Fire Insurance policies DO NOTcover personal property because the policy holder is not an occupant of the home.
• Dwelling fire policies can be written for other structures on the property such as sheds, unattached garages, barns, pagodas, greenhouses.
• If a fire leaves your Rental Home Inhabitable, a Dwelling Fire Insurance policy could cover up to a year’s rent for the vacancy.
• Dwelling Fire policies cover houses and structures for the specific hazard listed. That is the why it is known as "Named Peril" coverage.
• Can be used to cover clean up after a loss, like after a natural disaster.
• Usually pays the actual cash value for a loss, but can be upgraded to replacement cost coverage.

Hurricanes and Windstorm Insurance

The Texas Windstorm Insurance Association (TWIA) is the state’s insurer of last resort for wind and hail coverage in the 14 coastal counties and parts of Harris County on Galveston Bay. TWIA provides wind and hail coverage when insurance companies exclude it from homeowners and other property policies sold to coastal residents. At David Kimbrough Insurance Agency, we have been writing windstorm coverage on homes and businesses in these areas for over 20 years. Our talented staff combine for over 60 years experience in property insurance, including windstorm.

When a hurricane enters the Gulf of Mexico (80 degrees longitude and 20 degrees latitude), you can no longer change or purchase new windstorm coverage. If you plan to build, add to, or renovate a home or other structure and want to obtain or maintain TWIA coverage, you must have an inspection of your property during the construction phase. A TDI windstorm inspector can conduct an inspection for free, or you can use a Texas licensed professional engineer appointed by TDI. At David Kimbrough Insurance Agency, we can tell you how to get an inspection.

For more information on obtaining an Dwelling Fire Insurance contact, David Kimbrough Insurance Agency at 281-996-7615 or fill out our online form above for your FREE Dwelling Fire Insurance Quote today.

Texas Insurance Agency offering Dwelling Fire Insurance policies in
Friendswood, Houston, Pasadena, and League City Texas.