Bosworth & Associates 1818 W SW Loop 323 Tyler, TX 75701
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Homeowner's Insurance for East Texans

Coverage You Can Count on and Local Experts You Can Trust

If you’re looking for homeowners’ insurance in Tyler or anywhere in East Texas, Bosworth & Associates is here to help. We’ve been serving our neighbors since 1939, so we know a thing or two about protecting what matters most. Your home isn’t just your biggest investment; it’s where your life happens. We’re here to make sure it’s covered.

Whether you’re buying your first home, shopping for a better rate, or just want to know you’re properly protected, we’ll help you find the right coverage for your needs and your budget.

Why You Need Homeowners Insurance

East Texas weather doesn’t mess around. From hail and high winds to tornadoes and flash floods, local homeowners face all kinds of risks. Homeowners’ insurance helps you prepare for the unexpected. And if you’ve got a mortgage, your lender probably requires it.

 

But even if it’s not required, it’s smart to have a plan in place for those “just in case” moments, like a break-in, a house fire, or an injury on your property. A homeowner’s policy is your financial safety net.

 

What Does Homeowners Insurance Cover?

Coverage can vary depending on your policy and carrier, but here’s a general idea of what’s typically included and what usually isn’t.

 

Typical Coverages:

  • Dwelling Protection: Covers damage to your home from covered events like fire, wind, or hail.
  • Theft or Burglary: Helps replace stolen items.
  • Liability Protection: Covers you if someone gets hurt on your property and sues.
  • Additional Living Expenses: Pays for temporary housing if your home becomes unlivable.
  • Medical Payments to Others: Helps with minor medical costs if someone gets hurt on your property (no lawsuit needed).

 

What’s Usually Not Covered:

  • Flooding
  • Earthquakes
  • Neglected or poorly maintained properties

 

Optional Add-Ons (Ask Us About These!):

  • Flood Insurance
  • Earthquake Coverage
  • Sewer Backup Protection
  • Coverage for High-Value Items (like jewelry, firearms, art)

How Much Does Homeowner's Insurance Cost?

There’s no one-size-fits-all price. Your premium will depend on a few things, like:

  • The age and condition of your home
  • Your location (including risk factors like flood zones)
  • Your deductible
  • Whether you choose Replacement Cost or Actual Cash Value (we’ll walk you through the difference!)

Want a quote that’s tailored to your property and priorities? We’ve got you.

family sitting on the front porch of their home
family on front lawn of their home

Why Choose Bosworth & Associates?

We’re not just another insurance agency; we’re your local partner. Here’s what sets us apart:

Local Expertise

We’ve been serving Tyler and the greater East Texas area since 1939. We know the weather patterns, the housing market, and the risks specific to this region.

Personalized Service

As an independent agency, we’re not tied to just one carrier. That means more options and better chances of finding a policy that actually fits your life.

Real People, Real Answers

You won’t get lost in a call center line. When you call Bosworth, you talk to someone right here in Tyler who genuinely wants to help.

FAQ: Homeowners Insurance in Texas

What’s not usually covered by a homeowner’s policy?

Floods, earthquakes, and wear-and-tear. You can add coverage for some of these, but they’re not typically included by default.

Does homeowners’ insurance cover mold damage?

It depends. If the mold is caused by a covered event (like water damage from a burst pipe), it might be. But mold from long-term neglect usually isn’t covered.

Do I need homeowners’ insurance if my house is paid off?

Technically, no. But if something happens like damage from a fire, storm or theft you’d be paying out of pocket. Insurance helps protect your savings and your peace of mind.

What if I rent out my home or part of it on Airbnb?

Standard policies don’t always cover short-term rentals. Let us know if this applies to you, and we’ll help you explore the right kind of coverage.

Can my homeowners’ insurance premium be included in my mortgage payment?

Yes, many lenders set up an escrow account where your insurance is bundled into your monthly mortgage payment. We can help coordinate with your lender.

quaint Texas home with the Texas and American flags flying from the front porch

Let’s Talk Homeowner’s Coverage

Your home deserves more than a cookie cutter policy. Call us today or fill out the form to get started with a free, no-pressure quote. We’ll help you compare home insurance options and find coverage that feels like a good fit.

Bosworth & Associates has been selected for the 20th year as a Best Practices agency.

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