Texas Homeowners Insurance
The Top Homeowners Insurance In Texas
Protect your home and your family
What is homeowners insurance?
Texas homeowners insurance will protect your house itself, the personal belongings you store in it, your additional living expenses should you have to move out while your home is repaired, and your liability.
How does it protect me?
Homeowners insurance can help you rebuild your house and replace your belongings after a disaster like a fire, hail, or theft. With a homeowners insurance policy, the money you’ve invested and the equity you’ve built in your home, as well as the belongings you keep in it are protected.
Your homeowners insurance policy also covers your liability. That means that if a guest in your home trips and sues you, your policy can cover the legal fees and settlements.
How much homeowners insurance do I need in Texas?
When trying to figure out how much homeowners insurance coverage you’ll need in Texas, a good way to get a basic idea is to multiply your home’s square footage by the local building costs per square foot. Of course, you’ll also need to consider unique features of your home, like other structures on your property, unique building materials you used and the cost of debris removal.
You also need to determine how much coverage you need for your personal property. You can choose either replacement cost – which covers the cost of buying lost items new today – or actual cash value – which factors in depreciation – for your stuff.
Ultimately, it’s a good idea to talk to an insurance agent to make sure you have enough coverage for your home, your belongings, and your liability.
When choosing an insurance agency, you want a company you can trust. We are an independent insurance agency. We do not work for an insurance company; we work for you! We work on your side when you have a loss and follow through to see that you get fair, prompt payment.
As an independent, full-service insurance agency, our duty is to our clients, not the insurance companies. As your insurance agents, it is our responsibility to provide YOU the best service and the best coverage, at the best possible price.
Since 1987 the goal of VGW Insurance has been to provide the best in customer service, pricing, claims handling and professional advice to all of our clients, all of the time. After many unsatisfying customer service experiences of his own, Glen VerHagen a Certified Insurance Counselor, decided to make a stand. ” I can’t control everyone, but I can be certain that the type of poor customer service people have been forced to become accustomed to will not happen here at VGW Insurance.”
Since then, that has been our foremost priority in dealing with our clients, and in today’s times it clearly sets us apart. We won’t settle for anything except superior customer service, professional consultation and a caring atmosphere, and neither should you.
For well over twenty years, we have proudly served the residents of the Great State of Texas for all of their Texas homeowners insurance needs. We have grown into one of the top independent agencies in the nation. As prior winners of The Hartford Insurance Company’s National Top Personal Lines Agency Award, Travelers Insurance Company’s Southwest Regional Agency of the Year Award and America First Insurance Company’s Top Producing Agency Award, we have come a long way.
We not only offer many choices of companies but we also have many different policy types available including multiple coverage options for commercial property, garage insurance, contractor insurance, dry cleaners insurance coverage, personal home and auto, business auto insurance, workers compensation insurance coverage and much more. We will be happy to discuss the differences in the coverage and how they will impact you.