Protect Your Home and Belongings
Your home is one of the biggest financial investments you will make during your life. Protect it with insurance designed specifically for your abode and for your belongings. Home insurance covers everything from damage caused by weather to theft of your belongings and even certain issues created by any pets you may have. This insurance will cover repairs or even the total replacement of your home and possessions.
The exact coverage you receive, and the specific events that are covered, will depend upon your specific policy. At Saenz, we roll up our sleeves to do all the work for you, meticulously comparing quotes from our extensive provider network to find you the best rates on the right coverage for your home.
Build Your Coverage, Comprehensively
Connect with custom, comprehensive coverage with our team of 15+ year experts. We can get you the best rates on the market for the protection you need for your Texas-specific home. Here are some of the coverages we can include in your home insurance policy:
Natural Disasters
Home insurance can offer coverage for damage to your home or belongings caused by the weather, especially fire, hail, and hurricanes. The covered events will be listed in your policy. You may need to purchase additional insurance for flood or wind damage – We can help you with that too!
Liability
Don’t be left paying for injuries or damage caused by your family. Home insurance can offer liability coverage that helps pay for bodily injury or property damage caused by the family members listed in the policy – From pet incidents to children accidentally damaging the neighbor’s belongings.
Theft & Vandalism
If your belongings are stolen or destroyed by others, your home insurance policy may cover the repair or replacement of these items. Comprehensive coverage should give you peace of mind no matter what happens along the way.
Living Expenses
If your home is destroyed, you may need to find another place to live while your space and restored. Your home insurance policy can include benefits that go above and beyond the cost of restoring your home and include provisions for living expenses while you are waiting for repairs. For example, your policy could help you pay for a hotel room.
Frequently Asked Questions
Learn more about home insurance by exploring the answers to common questions, and then
contact us for additional information.
- How do I determine the right
amount of coverage for my home and belongings?To determine the right coverage, you should assess the replacement cost of your home and the value of your belongings. You can even create an inventory of your belongings for a more accurate quote. At Saenz, we work with you to ensure that your coverage is perfect for you.
- What factors can
affect the cost of my home insurance?There is no one price for home insurance, because very individual factors can influence the cost of your premiums. For example, here are some of these factors: Your home’s location, its age and condition, the coverage limits you choose, your claims history, your credit score, and the presence of safety features such as security systems or smoke detectors.
- How do I file a home
insurance claim?If you need to file a home insurance claim, do so as soon as possible. At Saenz, we provide a simple and streamlined process and walk with you throughout the entire process so you can quickly get your home or possessions back in order.
- Can I make changes to my home
insurance policy?Of course! Circumstances often change, and we are here to flex with you. Just give us a call and let us know about major changes, such as relocations, home renovations and additions, new valuable items, the addition or loss of a pet and more.
- What is not covered by home
insurance?The right home insurance will offer comprehensive protection for your home and belongings. However, standard insurance policies will exclude certain things such as: Sewer backups, floods, earthquakes, wear and tear, jewelry, and more. We can often help you navigate these exclusions with add ons to your policy.
- How can I save money on my
home insurance?When you work with Saenz, we get you the best rates on the market with meticulous quote comparison. You may also be able to save money in these ways: Bundling insurance policies such as home and auto insurance, improving home security, asking about discounts, and maintaining a good credit score. We promise – We will do everything we can to get you all of the discounts you deserve!
Trusted Agency
By prioritizing personal connections and comprehensive coverage, we have provided the best protection at the best rates for thousands of clients. Hear from them yourself to discover why we are the trusted go-to insurance broker for customers across all ages and stages of life.