What Does Property Insurance Cover?

Buying a home in the Coppell, TX area is a big investment. When you are looking for a new home, getting property insurance is very important. Property insurance can protect you and your home several different ways.

Structure of Property

The most important type of coverage you will receive when you get property insurance is insurance for the structure of your home. When you have a property insurance policy in place, it will cover your home in the event of a fire, natural disaster, or other casualties. This could be very beneficial if something very damaging happens to your home.

Personal Belongings

If your home is damaged, there is also a chance that everything that you own underneath the roof is also at risk. When you have a property insurance policy in place, you will receive coverage for these items. You generally will have a policy that will declare how much coverage you will receive for your personal belongings. This generally does not include coverage for more expensive valuable items, such as jewelry or art.


If you have a lot of personal items that are also expensive and valuable, you also should consider getting additional property insurance riders added to your policy. A property insurance rider will provide you with coverage up to the appraised amount of individual items. This is ideal if you have a variety of different types of collectibles.

For those that own a home in the Coppell, TX area, going to The Select Insurance Agency for a property insurance consultation could be a great option. When you go to The Select Insurance Agency, you will receive more insight into what type of coverage you should get. The company will also help to ensure you get all the coverage that you need.