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Insurance Close to You
Getting home insurance in Weslaco shouldn’t be complicated. Our local agents understand the area and your unique needs. At SafeGuard Insurance Agency, we work with multiple carriers to find the right coverage at competitive rates. Call or stop by today to get the protection you need — and the peace of mind you deserve.
What is Homeowners Insurance?
Homeowners insurance protects your home and possessions from disasters, theft, and accidents.
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 Coverage
A standard Weslaco homeowners’ insurance policy includes four essential types of coverage:
Structure of Your House
Covers repairs or rebuilding costs if your home is damaged by fire, hurricane, hail, lightning, or other covered disasters. Coverage should be enough to rebuild your home fully.
Your Personal Belongings
Protects your furniture, clothing, electronics, and other items against theft, fire, or other insured events. Coverage is usually 50–70% of your home’s insured value.
Liability Protection
Covers legal expenses if you, a family member, or your pets cause injury or property damage to others.
Additional Living Expenses
Covers temporary housing, meals, and other costs if your home becomes uninhabitable due to a covered loss.
FAQs About Home Insurance
Learn more about life insurance by exploring the most common questions, and then contact us for additional information.
- Look at quotes side-by-side
No more contacting multiple carriers to get comparable quotes. As a one-stop shop for insurance coverage, our experienced team gathers the very best deals for the customized coverage you need so you can choose from among many competitive offers. Easy-to-compare quotes and tailored coverage make getting the right insurance easy.
- Consider more than price
As a full-service insurance agent, SafeGuard is committed to tailored insurance solutions. No more finding quotes that offer too much or too little coverage. No more comparing quotes based only on price. Our dedicated team finds the solutions you need so you can look beyond price to get total peace of mind.
- Will homeowners insurance cover my valuables?
Most policies have limits on valuables. Additional coverage may be needed for jewelry, artwork, or collectibles.
- When should I increase coverage?
Review your policy when you move, renovate, or make significant purchases to ensure your coverage matches your home and belongings.
- Do I need an inventory of my belongings?
Not required, but creating an inventory helps if you ever need to file a claim.
- Reevaluate your coverage with life changes
Life happens. When it does, your insurance needs may change. What life changes may lead to insurance changes? Marriage, divorce, home renovations, purchasing or selling a house, starting a business, buying a luxury item or vehicle, getting a pet, and more. Here at SafeGuard, our professional team is ready to adapt your coverage at any time. Just give us a call!
- Weigh the benefits and discounts
With multiple competitive quotes to choose from, you can easily compare the benefits, discounts, and prices of each to find the very best deal. Our team uses our established relationships with carriers to get you the lowest rates and the most favorable discounts. All you have to do is consider your options to find the perfect insurance solution for you.
- Does homeowners insurance cover a home business?
Typically not. A separate business owner’s policy may be required.
- Can I get discounts?
Yes. Homes with safety features like alarms, fire protection, or smart home technology may qualify for discounts. Our agents will help identify savings opportunities.
Trusted Agency
From transportation to business, health to life, clients trust us to find the insurance solutions they need. Read our success stories
and contact an agent today to learn more about our ability to customize your quote to your requirements.
Insurance Agency You Can Trust
At SafeGuard Insurance Agency, we provide complete coverage for auto, home, life, renters, business, and more — tailored to fit your lifestyle and needs. As an independent, full-service agency serving Weslaco and the Rio Grande Valley, we work with multiple carriers to find the right policies at the best rates.
