Our home is our biggest investment, one that deserves proper protection. The professionals at Koda Insurance Group can explain the different policies and coverage levels they have available so you can select a policy that meets your needs at a cost within your budget.

Policies fall into 2 categories. Comprehensive or "all-risk" policies offer the broadest protection with coverage in many areas unless exclusions or limits apply. Specific or named perils policies to offer limited protection for specific incidents or causes, such as flood insurance coverage.

Policies with replacement cost coverage pay to replace or rebuilt your dwelling based on present construction costs. This differs from the property's overall value since it does not include the value of the parcel. Policies with actual cash value coverage compensate for costs less depreciation based on wear and tear of the structure that occurs as it ages. This is less than replacement cost coverage.

While there are variations, most policies include the following:

• Dwelling: Costs to repair or replace your home based on a covered loss.
• Personal liability: Provides protection in court against lawsuits related to injury or property damage.
• Personal property: Pays for some items inside the house if damaged, destroyed, or stolen.
• Loss of use: Covers a percentage of additional living expenses if you have to vacate your house because of a covered loss or incident.
• Medical payments: Covers some or all medical costs if someone is injured on your property.
• Other structures: Offers coverage for other buildings not attached to the house, such as sheds, detached carports and garages, and fences.

Our agents look forward to talking with you about the plan that best suits your needs as a Texas homeowner. We also offer renters insurance, condominium insurance, and other policies that may meet your needs. Contact the Koda Insurance Group today to learn more.

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