Homeowners Insurance in Haltom City, TX
Homeowners insurance is a policy that may help cover the cost of rebuilding your home, replacing damaged belongings or responding to certain liability claims after a covered accident or incident. At Haltom Insurance Agency, we help homeowners in Haltom City find coverage that reflects the real risks of homeownership—without overpaying for what they don’t need. 
What Is Covered in a Homeowners Insurance Policy?
While coverage may vary depending on the policy, most homeowners insurance plans include:
- Dwelling coverage may assist with repairs or rebuilding if your home is damaged by a covered event like fire, wind or hail.
- Personal property coverage may help replace stolen or damaged items inside your home, such as electronics, clothing or appliances.
- Liability coverage may apply if someone is injured on your property and you’re found responsible.
- Additional living expenses may help with temporary housing if your home is uninhabitable after a covered loss.
- Other structures coverage may include coverage for sheds, fences or detached garages.
These coverages can often be adjusted to match your home’s layout, contents and usage.
What Is the 80% Rule in Homeowners Insurance?
The 80% rule is a guideline used by many insurers when determining how much they will pay toward a claim. To receive full replacement cost for damage to your home, your dwelling coverage should equal at least 80% of your home’s total replacement value, not market value.
If your coverage falls short of that threshold, the insurer may pay part of the repair costs, even for partial damage. This is why it’s important to periodically review your policy and update it as property values and construction costs change.
Talk to a Local Agent Who Understands Haltom City Homes
At Haltom Insurance Agency, we’re here to help you find a policy that aligns with your priorities. Contact us today for a personalized homeowners insurance quote.