Homeowners Insurance in Garland, TX
Owning a home means keeping up with more than just maintenance and property taxes, it also means being ready for the unexpected. 
From roof damage after a storm to a guest slipping on your front steps, a lot can happen that puts your home and finances at risk; that’s where homeowners insurance comes in. At One Choice Insurance, we help Garland homeowners explore coverage options that align with their needs and lifestyle.
What Is Homeowners Insurance?
Homeowners insurance is a policy that may assist with the cost of repairing or rebuilding your home after covered events like fire, hail, vandalism or theft. In addition to structural damage, it can also offer coverage for:
- Personal belongings, like electronics, appliances, and furniture
- Injuries on your property, with liability coverage that may help with medical or legal expenses
- Temporary housing if a covered event leaves your home unlivable
Coverage can be adjusted based on your property’s value, location and special features, like detached garages or custom upgrades.
Do I Need Homeowners Insurance?
Texas weather can be unpredictable, and Garland is no exception. High winds, hail and heavy rain are all risks that can damage your property. Homeowners insurance can help manage those risks by offering a structured way to cover repair costs or respond to liability issues.
While it’s not legally required, most mortgage lenders require proof of homeowners insurance. Even if you’ve paid off your home, maintaining coverage is still wise as it offers a layer of financial stability in situations that could otherwise set you back.
Start Exploring Your Options Today
At One Choice Insurance, we make it easy to compare plans and find the right balance between cost and coverage. Whether buying a new home or revisiting your current policy, our Garland-based team is here to help. Contact us today to request a personalized quote.