Home Insurance Products

In life, we are always building. Our kids build LEGO towers, we build our career, we build our retirement, and we build our character. One of the most precious buildings in our lives is the home in which we build lasting memories with our families. Protecting it from the unexpected is a top priority for any Texas homeowner. Home insurance is a broad term that includes various policies designed to safeguard both your property and your financial well-being. With Rollo Insurance, you can feel right at home in knowing we're here to help you navigate your options and find coverage that fits your unique living situation. 

What is Home Insurance?

Home insurance provides crucial financial protection against damage to your property and belongings, as well as liability coverage if you're responsible for injuries or property damage to others. It's a fundamental part of securing your assets, whether you own a single-family house, a rental property, or live in a mobile home.

Why is Home Insurance So Important in Texas?

• Financial Protection: Recovering from a fire, storm, or a theft can be incredibly expensive. Home insurance helps cover these costs and protects the savings you have worked so hard to build up.
• Liability Shield: If someone gets hurt on your property or you accidentally cause damage to a neighbor's home, the liability part of your policy can cover medical bills and legal costs. 
• Lender Requirements: If you have a mortgage, your bank will almost always require you to have home insurance to protect their investment.
• Peace of Mind: Knowing your home and finances are protected lets you sleep better at night.

What Are Key Types of Home Insurance Coverage?

The world of home insurance offers specific policies tailored to different types of residences and ownership. Here's a quick look at the main categories:

• Home Insurance (Standard):
  This is the most common type for single-family homeowners. It covers the structure of your house, your personal belongings, other structures on your property (like sheds), additional living expenses if you can't live at home due to a covered loss, and liability protection.

• High-Value Home Insurance:
  For Texans with homes that have a very high reconstruction cost, custom features, or extensive valuable collections, standard policies may not be enough. High-value home insurance offers broader "all-risk" coverage, higher limits for specialized items, and often a more personalized claims service.

• Landlord Insurance (for Rental Property):
  If you own a house, condo, or apartment that you rent out to others, you need this specialized coverage. It protects the physical structure of your rental property, your appliances/furnishings within it, and your liability as the property owner. It does not cover your tenant's personal belongings.

• Vacation Rental Insurance:
  If you rent out your vacation home for short periods (e.g., through Airbnb or VRBO), a standard landlord policy might not be enough. Vacation rental insurance addresses unique risks like frequent guest turnover, specific damage by renters, and liability from temporary occupants.

• Mobile and Manufactured Home Insurance:
  These policies are specifically designed for homes built in a factory and transported to their site. They cover the home's structure, personal property, and liability, taking into account their unique construction and potential risks.

• Renters Insurance:
  If you rent an apartment or house, your landlord's insurance covers the building, but not your personal belongings or your liability. Renters insurance protects your clothes, furniture, electronics, and other possessions from perils like fire and theft. It also provides crucial liability coverage if someone gets hurt in your rented space.

Your Home Protection Partner: Rollo Insurance

As an adult, you’re not just building LEGO towers anymore. You are building the rest of your life. Understanding your homeowners insurance is a means to do just that. No matter what kind of home you live in or own in Texas, ensuring it's properly insured is key to building your financial security and peace of mind. At Rollo Insurance, we're here to help you understand all your options and find the perfect home insurance solution that fits your unique needs. Contact us today for a consultation!