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Insurance Close to Home
Don't take hours out of your busy life just to get McAllen property insurance. At SafeGuard Insurance Agency, we offer local expertise that serves the entire McAllen area. Let us work with our 120 companies to get you affordable quotes on comprehensive coverage. All you have to do is call or stop by. We are here for you!
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What is Homeowners Insurance?
Homeowners insurance provides financial protection against disasters. A standard policy
insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.
Standard Homeowners Insurance Policy
A standard homeowners insurance policy includes four essential types of coverage. They include:

The Structure of Your House
This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy. It will not pay for damage caused by a flood, earthquake or routine wear and tear. When purchasing coverage for the structure of your home, it is important to buy enough to rebuild your home.
Your Personal Belongings
Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disasters. Most companies provide coverage for 50% to 70% of the amount of insurance you have on the structure of your home.
Liability Protection
Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. So, if your son, daughter or dog accidentally ruins your neighbor’s expensive rug, you are covered. However, if they destroy your rug, you are not covered.

Additional Living Expenses
This pays the additional costs of living away from home if you can’t live there due to damage from a fire, storm or other insured disaster. It covers hotel bills, restaurant meals and other living expenses incurred while your home is being rebuilt.
Frequently Asked Questions
Learn more about life insurance by exploring the answers to common questions, and then contact us for additional information.
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From transportation to business, health to life, clients trust us to find the insurance solutions they need. Read our success stories
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Insurance Agency You Can Trust
Whether you seek auto, home, life, transportation, or business insurance, or a combination of other insurance options, SafeGuard Insurance Agency provides comprehensive insurance solutions tailored to your unique lifestyle. As an independent full-service agency with various agents and locations across the Valley, we strive to provide you not just with full cover, but also with personalized service every step of the way. Our professional team is always on your side and remains dedicated to finding the best cover for your peace of mind.