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Your home is one of your biggest investments. Protecting it properly requires more than guessing coverage limits or choosing the cheapest policy. At TWFG-Denise Davis Insurance, we help homeowners secure the right coverage to protect their home, belongings, and financial future.
As an independent TWFG agency, we work with multiple top-rated insurance carriers to provide coverage tailored to your home, location, and lifestyle, not a one-size-fits-all policy.
Understanding Home Replacement Cost
Many homeowners are surprised to learn that the cost to rebuild a home is often different than its market value. Home insurance is based on replacement cost, not what your home would sell for.
Rebuilding costs include demolition, debris removal, labor, materials, permits, engineering, architectural services, and rebuilding to current building codes. In many cases, rebuilding can cost significantly more than expected, especially after widespread disasters when labor and materials are in short supply.
Home Insurance Coverage Options
We help you customize a homeowners insurance policy that may include the following coverages.
Dwelling Coverage
Covers the structure of your home and attached structures based on replacement cost using similar materials and workmanship.
Other Structures Coverage
Protects detached buildings on your property such as garages, storage sheds, pool houses, and fences.
Personal Property Coverage
Covers your belongings including furniture, appliances, clothing, and household items. Additional coverage may be recommended for jewelry, artwork, collections, or valuable items.
Loss of Use Coverage
Helps pay for temporary housing and living expenses if your home becomes uninhabitable due to a covered loss.
Personal Liability Coverage
Provides protection if you are held legally responsible for bodily injury or property damage to others. Includes legal defense even if a claim is without merit.
Medical Payments Coverage
Helps cover medical expenses for guests injured on your property regardless of fault.
Deductibles and Policy Options
Most home insurance policies include separate deductibles for wind and hail and other covered perils. Choosing the right deductible is an important balance between affordability and out of pocket risk. We help you understand your options so there are no surprises at claim time.