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Home > Home Insurance - Laredo, Edinburg, McAllen, Mission, TX

Homeowners Insurance

Quote Forms


Looking for coverage? Click below to submit a quote for quick, accurate and affordable rates.

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


Additional Resources:


How to Prevent Slip and Fall Accidents at Your Home Before the Holidays
Home Insurance Tips for First Time Buyers
How to Prepare for Floods
Spring Liability Risks In Your Home
What Is Coverered Under A Typical Home Insurance Policy?
Preventing Toilet Floods In Your Home
Read more home insurance articles here

Laredo Homeowners Insurance

Home Insurance for Homeowners in Edinburg, Mission, McAllen and Across the Rio Grande Valley of Texas


 

Whether you are a first-time home buyer or have owned one before, it’s essential to ensure you have the appropriate coverage for whatever life throws your way. It’s impossible to predict exactly what will happen while living at your home, which makes it critical to include a wide range of coverage in a home insurance policy.

How Does Home Insurance Work?
Depending on each specific policy, home insurance is there to help cover costs for rebuilds, repairs and replacements of possessions in the event of a disaster, such as fire, vandalism, theft or hurricane. Each home insurance policy has a set deductible, which is the amount the homeowner will have to pay out of pocket before the policy kicks in.

How Much Home Insurance Do I Need?

There are several factors to be considered when choosing a home insurance policy, including the location, size, age, and type of foundation and exterior of your new home. The average homeowner insurance policy includes the following:

·        Dwelling Coverage—This part of the policy can help pay for repairs or rebuilding needs if the house is damaged by a fire, hurricane, hail, lightning or any other additional hazard listed explicitly in the policy. However, it does not cover any additional structures on the property (e.g., a detached garage or carport, a shed or a gazebo). Other coverage options are available for detached structures on your property.

·        Personal Property Coverage—This can help pay for damaged or destroyed personal possessions from covered losses.

·        Personal Liability Coverage—This type of coverage can help cover costs associated with allegations that a resident of the home caused third-party property damage or bodily injury.

·        Additional Living Expenses—This can help cover any living expenses (e.g., meals, hotel stays) if you (and your family) must live elsewhere while the home is uninhabitable.

When Should I Get Home Insurance?

The home-buying process can be a busy time. Between inspections, repairs and signing contracts, it can be hard to keep up with all the necessary steps. Make sure you add home insurance to your checklist right under signing the final contract. This should provide enough time to find the right home insurance policy and make the first payment before closing.

Home Insurance Quote in the Rio Grande Valley of Texas

Contact Raymond Longoria Insurance to learn more about our home insurance coverage and to get a homeowners insurance quote that meets your specific needs.

 

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2025 N Conway Ave.
Mission, TX 78572

Phone: (956) 581-1034 | Toll-Free: (888) 296-0345
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