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Hays and Hagan Insurance

510 E. Brazos Ave STE 3
West Columbia, TX 77486

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Home Insurance in Texas

Home insurance is multiple-line insurance as it covers property and liability coverage. It is a policy that covers damages and losses to individual residences along with assets and furnishings inside the property. It provides liability coverage against accidents in the home or property. The insured is financially reimbursed for the cost of the structure or its contents in case of damage or theft.

This policy also covers private homes against specified disasters. Insurance agents at Hays and Hagan Insurance will advise you on the specific disasters covered by different service providers. Damages caused by the owner or his family members, pets to other people's property is covered. The price of a homeowners' insurance is determined by much it would cost to replace the structure of the house and additional riders attached to the policy.


It is crucial to outline what you hope to get when purchase when buying a home insurance cover. This also applies to West Columbia, TX. In Texas, various insurance service providers cover a variety of items in their policies. It is essential to speak to our Hays and Hagan agents who will be able to outline and come up with a suitable cover that suits your home.

In Texas, home insurance covers the following perils:

  • Named perils-these These are specifically named perils in a policy. Any peril not specified in this category is not covered.

Open perils-All perils are covered in this category except those excluded in the policy.

In West Columbia, TX, our dedicated insurance agents at Hays and Hagan Insurance will customize a policy for you that entails perils that you would like covered based on Texas Insurance guidelines.

Hays and Hagan Insurance is locally owned, which we are well conversant with factors affecting home insurance in West Columbia, TX. Our agents are customer-centric and only a call away. Please give us a call or visit the website for more information!