Home Insurance

Texans can face a number of devastating events throughout the year including tornadoes, hail, and strong thunderstorms. Every Texas homeowner needs a comprehensive homeowners policy that will help protect their home and family from these potentially life-altering events. Our goal at Hays Insurance Group is to make sure you are equipped with the proper homeowners insurance policy to protect you from the many risks you may face as a Texas homeowner.
As a local insurance agency in Buda, we understand the many various needs of Texas homeowners including those of our neighbors in Mountain City, Kyle, Driftwood, and Niederwald. No matter where you are located, we will find you the right policy for you and your home. We are able to offer only the best rates and coverage on Texas homeowners insurance policies by working closely with a number of top-rated insurance carriers.

Buda, Texas Homeowners Insurance Coverage 

Every homeowners policy is tailored to meet the specific needs of an individual and their home however you will find that most insurance policies are quite similar. Below are some common coverages found in a standard Buda, Texas homeowners insurance policy. 
  • Coverage for your home and other structures on your property. Other structures can include carports, barns, sheds, and other detached storage facilities.
  • Coverage for damages to personal property within your home including furniture, clothing, appliances, and electronics.
  • Coverage for theft of property.
  • Liability coverage in the event someone is injured on your property.
  • Coverage for additional living expenses if a disaster forced you out of your home. 
Optional coverages many Texas homeowners may wish to consider include: 
  • Flood Insurance
  • High-value item coverage for belongings such as jewelry and watches.
  • Identity theft expense coverage.
It is a common misconception that flooding is covered under a standard Texas homeowners insurance policy however this is not the case. A separate flood insurance policy must be purchased to protect your home from flood damages. Our team of homeowners insurance experts can help you determine if Flood insurance is a valuable addition for your home. 
There are a number of discounts available from insurance carriers to help responsible homeowners save money. Many homeowners are unaware of many discounts that they are eligible to receive. Buda, Texas residents can take advantage of a number of discounts including multi-policy, new home, home safety, claims-free, and protective device discounts. At Hays Insurance Group, we want to make sure that you receive all of the discounts that you qualify for so that you save the most money on your homeowners policy.
In the end, our goal at Hays Insurance Group is to provide you with a complete and comprehensive homeowners insurance policy at a great rate. The proper homeowners insurance policy offers peace of mind, knowing that you, your loved ones, and your home are protected. Contact us today with any questions you may have about Buda, Texas homeowners insurance or use our home insurance tool to get started!

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