Homeowners Insurance | Insurance Connection USA

We proudly insure individuals and the things they care about most. Innovative coverage and unparalleled service make Insurance Connection USA a smart choice for your Home Insurance

We understand your home is a major investment, both financially and emotionally. If anything disastrous should happen to your home, you need the proper coverage to replace or rebuild it as it was before. The truth is, not all policies will do this. At Insurance Connection USA we make sure you have the proper coverage with a homeowners policy designed to cover any loss and replace what is damaged.

We specialize in protecting the lifestyles of our neighbors in Texas, New Mexico and throughout the USA.
We provide the home insurance coverage that allows you the flexibility and freedom to enjoy your life with complete peace of mind.

Call one of our local agents at 940-382-4700

Common Homeowners Insurance Terms:

Dwelling coverage: This is the part of the policy that covers the actual structure of your home. There are various policy types ranging from basic ACV to all perils replacement cost.

Basic will only cover the actual cash value of a home and does not take into account the depreciation of the property. This opens up a lot of possibility that a claim will be denied by an insurance company.
The dwelling value for a replacement cost policy will typically be calculated based on many factors including square footage, year built and any customization work. If you are concerned about being over insured or under insured, give us a call.

Most people want to be sure they are covered in the event of a loss so be sure you have the right policy for you before you have a claim.

Personal Property: This is the part of the policy that would cover the contents (furniture, clothing, electronics, etc.). Many times there are limits on items like jewelry, guns, silver/gold, and fine art. If you think you have pieces that might be over a couple thousand dollars per piece, contact Insurance Connection USA and we will be able to schedule this property on a personal articles policy or a blanket policy.

Medical Coverage: You may also see this coverage called “Guest Medical” or “Medical Payments to Others”. This is Coverage designed to pay for medical expenses to others who are accidentally injured on an insured location or by the activities of an insured. No Negligence on the part of the insured has to be proven for payment to be made

Slab and foundation coverage: This is an additional coverage especially important in Texas. If there is a leak in the plumbing, heating, air conditioning, or automatic fire protective sprinkler system then the foundation, floor slab, or footings that support the dwelling will be covered. This includes the cost of tearing out the floor and foundation to access the leak. This does NOT cover the repair of the actually plumbing system where the leak originated. Various limits are available, but the best companies will cover up to the limit of your dwelling coverage.

Personal Liability: Liability coverage provided by the homeowners policy that protects the insured against the financial consequences of liability to others for bodily injury and property damage. This coverage also insures the cost of defense in addition to the policy limit.

Deductibles: This part of the policy specifies what amount you are responsible for FIRST before the insurance company will pay for any claim. In some areas, there are 2 or 3 different kinds of deductibles, depending on what type of loss occurred.

Part 1 is typically for wind/hail and generally, there is a minimum deductible of 1%. What this 1% means is that the deductible equals 1% of the dwelling amount (coverage A). An example is if your home is covered for $100,000 then your deductible will be $1000.

Part 2 typically is for All Other Perils. So if you have an open perils policy, then every cause of loss, except wind and hail will carry that deductible. This can range from anywhere starting at $250.