Garrett Insurance Agency - Main Office
212 Sidney Baker Street S
Kerrville, TX 78028

Fax: 855-928-2121

Homeowners Insurance

Homeowners Insurance Information

Providing Homeowners Insurance to Kerrville, TX and Texas Hill Country


As one of Texas’ most scenic regions, the Hill Country is home to some of the most prized pieces of real estate in the state. Residents will want to have proper homeowners insurance benefits so that they can protect themselves and their property against the liabilities present within their home.  

Whether you are settling down in your rural paradise or moving to an area that offers convenient access to the Austin or San Antonio suburbs, your home is going to be a place you love. You deserve the reassurance of knowing you have protected it. Homeowners insurance is designed to offer you the solutions you need to keep yourself safe. Come to Garrett Insurance Agency for help getting the perfect coverage for you, your family and your future needs. 

Common Homeowners Insurance Questions 


How Does Home Insurance Work? 

Homes are expensive, and they are vulnerable to damage from any number of hazards. If these hazards occur, then high repair bills are likely to follow close behind. Homeowners insurance will make sure that you have the financial assistance available to cover these costs. You won’t put your personal assets and hard-earned money on the line by trying to pick up the pieces of accidents you didn’t expect. 

What Does Home Insurance Cover? 

Common benefits offered within most home insurance policies are: 

  • Structure ProtectionThis insures your house in case of damage from fires, weather, theft vandalism or other hazards.

  • Detached Structures CoverageOther buildings on your property like fences, carports, gazebos and detached garages will have coverage.

  • Possessions Insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.

  • Liability Coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage can pay for incidents both on and off your property.

  • Additional Living ExpenseProtection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.


More specific coverage options to consider buying include:

  • Scheduled items riders

  • Replacement cost value possessions coverage

  • Umbrella liability insurance

  • Flood insurance

  • Earthquake and windstorm endorsements

  • Pet liability insurance


With so much to think about, it might seem challenging to you to choose benefits that are best for you. Our agents are experts in all lines of home insurance, and we can tailor plans to fit high-value homes, condominiums, mobile homes, rental properties and more. With our help in choosing a plan, you can rest assured that you will receive the coverage, endorsements, policy limits and deductibles that guarantee you optimized protection. 

Is Homeowners Insurance Required? 

You always need home insurance because it is a benefit that no one can afford to go without. Many mortgage lenders will require loan holders to carry coverage. If you fail to buy a plan at the time you apply for your loan, then you might not be able to close on the deal.  

Consider home insurance a great piece of affordable protection that will be far more cost friendly than any damage that might occur in your home. Even if you don’t have a home insurance requirement from a lender or other party, you should still consider this essential protection to use to your advantage. 

What Does Home Insurance Cost? 

Numerous risk factors can influence the cost of your home insurance, including: 

  • The types of coverage and the coverage limits you buy

  • Your policy deductibles

  • The value of your home and possessions

  • Liabilities present on the property

  • Damage risks prevalent in your area


Generally, if you have a higher chance of filing a claim on your policy, then you will pay more for your coverage. However, all plans offer savings and discount incentives, and we’ll make sure you get the ones that offer you the most affordable premiums possible.