HOME INSURANCE

TWFG Insurance - (409) 729-2000 serving Beaumont, Port Arthur, Nederland, Port Neches, Groves, and Bridge City Texas.
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  • Call (409) 729-2000 for additional discounts
  • Homeowners, Renter, Condo, Fire
  • Homeowners Insurance  includes Wind coverage

Damage to Home

We cover loss or damage from hurricane, fire, lightning, windstorm, hail, explosion, smoke, vandalism and theft.

Other Structures

Covers damage to other structures or buildings, such as a detached garage, work shed, or fencing.

Personal Property

Covers damage or loss of personal property, household contents, and other personal belongings of you or your family.

Additional Living Expenses

Provides coverage for living expenses if your home becomes uninhabitable as a result of a covered loss.

Worldwide Personal Liability Protection

Pays for bodily injury or property damage caused to others. With a few exceptions, such as auto or boating accidents.

Guest Medical Protection

Pays limited medical expenses for your guests who are accidentally injured on your property.

  • Optional Homeowners Insurance Endorsements
  • Scheduled Personal Property (Jewelry, Furs, Silverware)
  • Credit Card / Identity Fraud
  • Water Back-up Coverage
  • Dog Liability
  • Special Computer Coverage

Does homeowners insurance cover damage from floods and earthquakes?

Unfortunately, most homeowners insurance policies don’t cover damage caused by an earthquake or a flood. You have to buy earthquake insurance and flood insurance separately.

How much should I insure my home for?

Replacement Cost for Your Home is Not Based On Current Real Estate Prices that change based on the area of town the house is located and the market. In real estate looks at what someone else will pay for your home. Insurance is based the rebuild cost. Example, after a fire, there would be the cost of tear out before you even start the rebuild. A contractor's cost is not based on the area of town you live in. There is also a 80% Coinsurance provisions in the policy that require the insured to purchase and maintain 80 percent of the structure’s insurance replacement value at the time of the loss; this means that if the insured structure’s replacement value is $100,000 and there is an 80 percent coinsurance requirement, the insured must carry $80,000 of coverage to receive full payment for a partial loss (less any deductible). Each insurance company has methods to calculate replacement cost.

Does running a Insurance quote affect your credit score?

Insurance inquires do not affect your credit score. You are not applying for a loan so the credit request is flagged as being for insurance only. However your credit score can give you a lower rate on both Auto and Home Insurance. Most companies use credit-based insurance rates. Leaving off your social security number when requesting a quote will result in either a non-quote or a high rate on the quote.

How can I lower my homeowners premium?

◾Monitored Alarm systems for smoke, fire, and burglar. ◾Raising your deductible and adding an auto policy for a auto-home discount. ◾Replacing the roof, water heater, Central air and heat, plumbing system, and electrical will give discounts.

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