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San Antonio, TX 78249

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What Can Happen If You Do Not Have Home Insurance?

Unlike car owners, homeowners are not required to have home insurance. Therefore, it may be tempting just to skip it and move to your new home without it. However, by doing that, you should be aware of certain serious risks you face. Shavano Insurance Agency from San Antonio, TX has prepared the list of things that can happen to you and your house if you do not carry an appropriate home insurance policy. 

You will Have to Pay for a Damage To Your House and Property Yourself.

Without home insurance, you are not covered if something happens to your home. Thus, if your house catches on fire or a storm damages the structure of your house and the roof, you will have to pay for all the repairs out of pocket. Moreover, in some cases, if your home becomes temporarily uninhabitable, you will have to pay for your temporary housing yourself. 

You will Face The Risk For Defaulting On Your Mortgage.

Most mortgage lenders require homeowners to have home insurance. Therefore, if you decide at some point to cancel your home insurance policy and not to carry it anymore, your mortgage lender will be notified. If this happens, you may face the risk of going into default. In this case, your lender will purchase new insurance on your behalf and send you a bill. Insurance plans obtained by lenders are usually much more expensive. 

You Will Have No Lawsuit Protection

If someone gets injured on your property or in a house, you will be responsible for it. Without proper homeowners insurance and its liability protection, you might end up paying for expensive medical bills of an injured person. Homeowners insurance helps to avoid that because it provides you with lawsuit protection. 

Having home insurance is a necessity today. It protects you as a homeowner, your property, the house, and all the belongings you have. Shavano Insurance Agency serving San Antonio, TX is ready to assist you in finding reliable home insurance based on your budget and needs. Give us a call today to talk to one of our specialists and get all the information you need. 

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