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JSI & Associates

23830 FM 1314 Ste B
Porter, TX 77365

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Essential home insurance coverages for parents in Texas

Being a parent in Porter, TX comes with many financial responsibilities, including offering protection. You have to think about securing your home to protect your children and ensure fewer accidents in the house. That’s why many people buy home insurance to get financial protection against losses due to accidents, theft, and disasters. The basic coverages are designed to cover the home and everyone living in it. So, what coverages should you focus on as a parent?

Personal belonging coverage

Your homeowners’ insurance policy covers personal belongings for your family members, including your children’s toys. JSI & Associates recommends buying a separate policy if you have valuable items like artwork, furs, guns, and jewelry. It doesn’t matter if they’re yours, your spouse’s, or your children’s

Additional living expenses

The last thing you want is to send your children to live with relatives after a fire damaged your home. Additional living expenses coverage helps you settle in a new home and normally live like before. The policy ensures that your children can continue going to their current school from before the accident, and you also get to work on time without worrying about transport costs.

Liability protection

Every parent with young or teenage kids needs liability coverage. It protects you from lawsuits due to property damage and bodily injury caused by you or your children. It also pays for damage caused by your pets. For instance, if your 6-year-old son throws a stone and breaks a neighbor’s window, you will be held liable for the damage, and you can even be sued.

It is every parent’s wish to keep their children away from harm and danger. Fortunately, when accidents happen, you have somewhere to run to. JSI & Associates can help you find a home insurance policy that meets your needs. Call us or visit our Porter, TX offices, and we will be happy to help.