AUSTIN HOMEOWNERS INSURANCE

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Southwest has access to over 100+ “A rated or better” insurance carriers. We are able to routinely beat the nationally advertised companies because we’re not locked into just one carrier. This allows us to find the coverage that is best suited to your homeowners insurance situation. Don’t you want to make sure you are getting the absolute best deal around?

In addition to finding you the best value for your homeowners insurance dollar, we provide personalized service from qualified agents located right here in Austin.

Wouldn’t it be nice to have a trusted resource you can rely on now and in the future? At Southwest you won’t be dealing with someone in a call center who has no authority to get things done or will be a different person every time you call. Let Southwest guide you in the right direction!

Complete a request form today and have the professionals at Southwest find the best homeowners insurance solution for you!

Issues you need to know about Homeowners Insurance

Read your policy. Certain property, such as jewelry, and certain perils, such as earthquake or flood, are better insured separately. Knowing what is covered and for how much will help you insure properly. If there is anything in your policy you don't understand, contact your and ask for an explanation.
At each annual renewal of your policy, you receive a new Policy Declarations page showing limits of coverage and optional coverages. Review this information carefully.
If you do any significant remodeling or add a family room, extra bedroom or bathroom, etc., tell your agent about these changes so your coverage limits can be adjusted to cover the improvement.
Consider carefully whether your homeowners insurance policy provides all the protection you need. Does it provide coverage for extra costs resulting from building code changes? Does it automatically increase coverage limits annually to keep pace with inflation? Does it provide additional funds if the cost of rebuilding your home exceeds the policy limits?
Find out whether your homeowners insurance will stand behind repairs they agree on and pay for after an insured loss.
Does your homeowners insurance policy include replacement cost coverage for contents (clothing, furniture, appliances, and other personal property inside your home)? If not, you can add it by endorsement. The cost is small, the protection valuable. Without it, contents coverage is depreciated by the age and wear and tear of the items lost.
If you have an art collection, antique furniture, jewelry, or other valuable possessions, talk to your homeowners insurance agent about supplemental coverages, such as fine arts or scheduled property endorsements, to adequately protect your investment in these items. The cost is modest for the extra protection.
Consider whether you should have more homeowners insurance coverage for personal property (contents) than your policy provides. Personal property coverage is usually 70% of the coverage limit for the structure. Your limit may be lower than 70%. Supplemental protection is available for a small additional premium.
Prepare an inventory of personal property items, update it periodically, and keep it in a safe place outside your home, such as a safe deposit box at your bank. It will save you hours of time trying to list everything you lost if the time comes when you have to make a claim. It will also help ensure you don't forget some items. Your agent can advise you on ways to simplify the job of preparing a personal property inventory such as videotaping each room, with descriptive information on the sound track.
Besides making sure you have enough homeowners insurance protection to cover possible damage to your own home and contents, you should also evaluate your exposure to liability risks. These result from damage to the property of another, or injury to a person, not a member of your household, for which you can be responsible. In recent years it's become common for homeowners to be sued for injuries or damages to others, even when there is no evidence of negligence by the homeowner. The reality today is if you have any appreciable assets, you are exposed to the risk of being sued. Even if you ultimately prevail in court, your legal fees and the months or years of worry and uncertainty can be a terrible burden on you and your family.
It is recommended that you have a personal liability umbrella policy. $1 million of coverage will usually cost less than $200 per year (costs vary from one locale to another) and even higher limits are available.

Note: Coverage statements are general descriptions only. The full and exact contract is contained only in the policy. Product availability only in the state of Texas. Please email an agent if you have any questions.