Luxury homes are major investments and should only be insured with a policy that can keep up with them. Extended coverage plans are available that cover the high costs of rebuilding or replacing items in higher-end homes. This includes coverage for high-quality building materials, custom finishes, and other items that are well above the norm in terms of cost.
Homeowner’s
Secure Your Home with Stonebrook Insurance's Homeowner’s Insurance Plans
Home is where the heart is, and for most families, the house they live in is their most significant financial asset and the site of their most precious memories. Having a secure and safe home is vital, and that is why we at Stonebrook Insurance provide customized home protection plans. Our homeowner’s insurance policies give you the peace of mind you deserve, with full protection against all the risks you may encounter. Serving both Texas customers and homeowners throughout the United States, our team is ready to craft a policy perfect for you and your loved ones.
Trust Stonebrook Insurance, and rest easy knowing your home and property are protected.
Stonebrook Insurance’s Homeowner’s Insurance Plans
Homeowner’s insurance plans from Stonebrook Insurance are one of the most reliable ways to protect your home, whether it is the structure itself, the land it’s on, or the items you’ve accumulated inside it over the years. Our coverage options are comprehensive and affordable, and they include:
Dwelling Coverage
Your house is a significant investment, and you want to make sure it remains in good shape for years to come. The physical home, including its walls, roof, and foundation, is covered under this policy in the case of damages due to fire, storms, vandalism, or other covered events. Rest easy knowing that you can rely on our plans to cover both minor repairs and total rebuilding if it’s necessary.
Personal Property Coverage
It goes without saying that the items inside your home are also valuable to you and your family. The personal property of our clients is just as important as the structure of their homes, which is why we cover all your belongings in the case of theft or damage, including electronics, furniture, appliances, clothing, and more. Repairing or replacing these items can cost you a significant amount of money, but our customizable solutions will cover everything you need, whether you only own regular household items or more high-end possessions, such as fine art or jewelry.
Liability Protection
Accidents are an unfortunate fact of life, but they can always be dealt with with the right homeowner’s insurance policy. If a guest or neighbor is injured on your property or there is property damage for which you are legally responsible, you can count on our liability protection. This coverage will not only take care of repairs and other costs, but it can also cover the legal fees and medical expenses of the injured party.
Extra Living Expenses
If a fire, storm, or other covered event causes your home to be damaged so severely that you are unable to live in it, it would not be fair for you to have to foot the bill for any additional living expenses. This can include the cost of a hotel or rental, additional meals, transportation, and other costs. With the right homeowner’s insurance plan from Stonebrook Insurance, these extra expenses will be fully covered.
Flood Insurance Add-On
Flood damages are not typically covered under a standard homeowner’s insurance policy, which is why we offer a dedicated flood insurance add-on to make sure your house is safe. This add-on is perfect for properties that are located in flood zones or in areas of high risk.
Earthquake Insurance Add-On
Living in a region that is prone to earthquakes is understandably worrying, which is why we offer earthquake insurance coverage. You can add this to your homeowner’s insurance policy to give you an extra level of protection and the peace of mind you deserve.
Homeowner’s insurance from Stonebrook Insurance is comprehensive and customizable, which is why you can pick and choose the levels of coverage you need for your property’s specific risks.
Tailored Insurance Solutions for Different Types of Homes
When it comes to our homeowner’s insurance plans, we pride ourselves on creating specialized solutions that can cover your needs regardless of the kind of property you own. We know that every home is different, and our insurance solutions are just as diverse and tailored to individual needs as the houses themselves. From luxury estates to vacation properties, from historic homes to properties in at-risk locations, our team at Stonebrook Insurance is prepared to craft the perfect plan for you.
High-Value Homes
Vacation Homes
Vacation homes and second properties often present a unique set of risks that should be adequately covered by an insurance policy. These homes are used more sporadically, may not be as well-maintained year-round, and face a higher risk of theft. Covering a vacation home with Stonebrook Insurance ensures you’re covered when you’re away, too, accounting for any risks such as natural disasters or unexpected accidents.
Historic Homes
Owning a historic home is a special privilege that also comes with unique responsibility. Older homes tend to have more expensive and rarer building materials, often more complex designs, and structural elements that are a higher priority to restore correctly. Stonebrook Insurance’s tailored policies can provide the level of protection needed to keep these one-of-a-kind houses safe and secure.
Flood-Prone Areas
The low-lying nature of properties in these areas makes them more susceptible to flooding or water damage in the event of heavy rains. Our flood-specific add-on plans ensure you are covered in the event of a flood, as the damage from such an incident is typically not covered under a standard homeowner’s insurance policy. Flood insurance add-ons are essential for anyone living in an area with a high flood risk or any other areas that can be damaged by flooding or water.
Why Trust Stonebrook Insurance with Your Homeowner’s Policy?
At Stonebrook Insurance, we have spent decades dedicated to being the most reliable and customizable insurance provider in the area. If you are a homeowner looking for an insurance policy to cover your property, here’s why you should trust us:
- 30+ Years of Experience: With over three decades of experience, Stonebrook Insurance is an industry leader in reliable and affordable homeowner’s insurance plans that are perfectly tailored to your needs.
- Flexible, Specialized Policies and Add-Ons:Tailor your coverage to the unique risks your home may face. We offer both customizable standard plans and a variety of add-ons so that you can have peace of mind knowing you’re fully covered, no matter what.
- Nationwide Service: Although Stonebrook Insurance is proud to be based in Texas, we service homeowners throughout the United States and offer extensive coverage for customers in all 50 states.
- Affordable and Competitive Rates:
Our network of top insurance carriers means we can offer you the best rates without compromising on coverage or service.With Stonebrook Insurance, your home is in the hands of a company that values both your safety and your financial stability.
What Our Clients Say
Start Protecting Your Home Today with Stonebrook Insurance
At Stonebrook Insurance, we understand how important your home is to you and your family. We are here to help you keep it safe and secure with our range of trusted homeowner’s insurance plans. Contact our team today to learn more and get a free quote:
Frequently Asked Questions
What does a homeowner’s insurance plan cover?
Homeowner’s insurance policies cover your home’s structure, such as the walls, roof, and foundation, against the likes of fire, storms, and vandalism. They also cover the belongings inside your home, such as furniture, electronics, and clothing. It also extends to liability protection in case of any injuries sustained on your property and legal costs in the event that you are sued. Finally, most plans offer some level of coverage for extra living expenses, such as hotel or rental costs, if your home is uninhabitable during a period of repairs or rebuilding.
Can homeowner’s insurance plans be bundled with other policies?
Absolutely! Bundling your homeowner’s insurance policy with your auto insurance or umbrella liability policy is a great way to save money and streamline your insurance. Most providers offer a bundling discount which will bring your rates down, and it’s also much easier to only have to deal with one insurer and a single point of contact for all your insurance needs.
Does Stonebrook Insurance work with customers outside of Texas?
Yes, Stonebrook Insurance proudly serves both Texas customers and homeowners throughout the United States. If you live anywhere in the country, we have the expertise and resources to service you with the same high-quality insurance solutions and exceptional customer service you would expect from a local company.
Do you offer any discounts for safety features?
Yes, many safety features, such as home security systems, smoke detectors, carbon monoxide alarms, storm shutters, and other materials, can help lower your insurance premiums as they make your home less of a risk to insure. If you have these features in place, be sure to mention them when you are getting a quote and you should see the savings reflected in your rates.
How do I file a claim with Stonebrook Insurance?
Filing a claim with Stonebrook Insurance is quick and easy. Simply give us a call or email us and we will walk you through the process of starting a new claim and getting it processed as quickly as possible. We also have a dedicated team to support our claims department so that you don’t have to worry about a thing during an already stressful time.
