carha@joehousing.com 1412-1416 Texas Ave Lubbock TX 79401
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HomeServices

Coverage Shaped Around The Home

What Gets Covered

Home Insurance Built In Clear Parts

House structure and roof Structure

Dwelling Coverage

This is the foundation of the home policy I build for you. It protects the physical structure of your house, including the roof, walls, and built in features, when a covered event causes damage.

  • Repairs to roof, walls, and load bearing parts
  • Attached structures such as a garage or porch
  • Rebuilding costs after a covered loss
Belongings inside a home Contents

Personal Property

The belongings inside your home carry real value and real memories. This cover steps in when your furniture, clothing, and everyday items are stolen or damaged by a covered event.

  • Furniture, electronics, and appliances
  • Clothing and everyday household items
  • Cover amounts I set to match what you own
A family safe at home Liability

Liability Protection

Accidents on your property can lead to unexpected costs. Liability protection helps with medical and legal expenses if a guest is hurt at your home or property belonging to someone else is damaged.

  • Medical costs for guests injured on site
  • Legal expenses tied to a covered claim
  • Damage caused to another person's property
Added Peace Of Mind

Protections That Round Out A Policy

Storm Recovery

I support repairs after wind, hail, and storm damage to your roof and structure.

Fire Recovery

I help you rebuild and replace what is lost when fire affects your home.

Living Costs

I cover your temporary living expenses when your home is not safe to stay in.

Water Damage

I protect you against sudden water damage from covered plumbing failures.

Theft Protection

I help you replace belongings taken during a covered break in.

Claims Support

I guide you through every claim and handle the details myself.

Your Path To Coverage

How It Works

Choosing a home plan 01

Pick Your Plan

Choose the home coverage that fits your house and your budget.

Sharing home details 02

Share Home Details

Tell me a few facts about your house and the way you live.

Reviewing a quote 03

Review Your Quote

Look over the price and what each part of your cover includes.

A protected home 04

Get Protected

Say yes and your home coverage begins on the same day.