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Homeowner Flood Quote
Homeowners Quote Form
Manufactured Home Quote Form
Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Property Loss Claim Form
Request Declaration and Coverages for Existing Homeowners Insurance Coverage
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Home Insurance Tips for First Time Buyers
How to Prepare for Floods
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Preventing Toilet Floods In Your Home
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Laredo Homeowners Insurance
Home Insurance for Homeowners in Edinburg, Mission, McAllen and Across the Rio Grande Valley of Texas
Every home needs home insurance for protection from bad weather, accidents, hail, lawsuits and more. Not all home insurance policies are created equal, however, and you should be able to protect your home with a policy geared for your needs.
Raymond Longoria Insurance helps homeowners throughout Texas find and tailor home insurance policies suited to their needs.
What Does Home Insurance Cover?
A comprehensive home insurance policy should include:
- Dwelling Coverage: Dwelling coverage provides compensation for damage to the physical home and its attached structures due to fire, wind, hail, lightning, smoke, explosions, theft, vandalism. and more.
- Personal Belongings Coverage: This coverage provides compensation for loss or damage of personal property due to the same incidents as covered by dwelling coverage. There is also additional coverage available for expensive items such as jewelry, furs or art, known as policy floaters.
- Liability: Liability insurance covers bodily injury and property damage that may occur on the owned property.
- Additional Living Expenses: Additional living expenses (ALE) helps cover costs related to temporarily moving while the home is being repaired after a disaster.
How Much Home Insurance Do I Need?
Every homeowner’s insurance needs are different, as every home is different. It is generally recommended that you carry enough insurance to cover your home’s total replacement cost value. The total replacement cost value of a home is how much it would cost to completely rebuild the home after a disaster, including building and material costs.
Protect Your Home
Insure your Texas home today with a home insurance policy from Raymond Longoria Insurance. Call us at 888-296-0345 or fill out an online quote form to get started today.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.
Common Home Insurance Questions
How Does Home Insurance Work?
When you purchase a home insurance policy, you can file a claim to receive compensation for damages to your home. An underwriter from the insurer will investigate the claim to compensate how much you may receive based on your policy.
How Much Does Home Insurance Cost?
Home insurance premiums vary depending on your location, value of the home, credit score, claims history, coverage limits, deductibles and more. Fill out a
to find out how much you can save on home insurance today.
What Home Insurance is Required by Law?
Believe it or not, home insurance isn’t generally required by federal or state law. Instead, you may be required to carry home insurance by your mortgage lender.
Thank you for your interest in Raymond Longoria Insurance. We work on behalf of our clients not carriers to bring you the best coverage and rates. Please feel free to call our office at 888-296-0345 or email your questions and an insurance professional will reply promptly.