Homeowners Insurance
Whether you own a town-home in Midtown, a two-story contemporary in the suburbs or a condo on the lake…we have the policy for you. Regardless of the age, size, style or value we will find a policy that will match your needs and your budget. Houston and the surrounding area has experienced an increase in available home insurance carriers in the last couple of years. Let Gibraltar Insurance Services help you navigate the choices and find a product that will fit your lifestyle.
Do not forget to ask us about:
- Property Coverage
- Flood Insurance
- Umbrella Coverage
Why does my neighbor pay less for home insurance than me?
Many factors play into premiums like the type of coverage, credit score, size of dwelling and previous claims. Let a Gibraltar insurance agent take a look!
Is flood covered under my home insurance policy?
No! You must purchase a separate policy for flood coverage.
Why does my home insurance premium increase every year?
As homes get older the premium may increase slightly each year. Also different home products are designed for different age homes. Let a Gibraltar insurance agent take a look!
How do I renew my policy?
Usually your home policy automatically renews each year and will be billed to the party specified on your policy, eg mortgage company or insured. If something is needed to renew your policy your Gibraltar insurance agent will ask you prior to your renewal date.
What is personal liability?
This coverage protects you if you are found to be negligent for personal or property damage, your home insurance company will represent you in a lawsuit.
Why is my home insured for more than it's worth?
Market value and rebuild value are two different prices. You may be able to sell your home for less than the cost to rebuild it in the case it burns to the ground.
Homeowners Insurance Discounts
Save more on your Homeowners Insurance with:
Home Security Discount
If your house is protected with a security system, you may be eligible for additional savings on your insurance policy.
Preferred Builder Discount
New homes often qualify for a preferred builder credit.
Multiple Policy Discount
Combine your auto, home and flood policies through Gibraltar Insurance Services for additional savings.
New Purchase Discount
Brand new home purchases will often qualify for additional discounts.