Montgomery

936.689.2355

amber@pemberinsurance.com

Slaton

806.828.6251

judie@pemberinsurance.com

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Home Insurance Basics


We specialize in finding the perfect coverages to fit a homeowner's needs! We partner with several companies that offer the basics listed below, as well as affordable options, such as equipment breakdown, foundation coverage, and replacement cost contents. Here are the basics:


  • Dwelling coverage: determines the replacement cost of your home
  • Other Structures: covers structures on your property like your fence or shed that may not be attached to the home
  • Personal Property: if you were to turn your house upside and shake it, everything that falls out would be considered personal property. This coverage is to replace those items in the event of a total loss
  • Personal Liability: covers you in the event someone is injured on your property
  • Medical Payments to others: pays for doctor bills in the event a non-family member is injured on your property
  • Endorsements: depending on your needs and location, you can add things like glass coverage, foundation coverage, replacement cost contents, water seepage and leakage, and equipment breakdown to your home insurance for additional coverage
  • ​Scheduled Property: if you have special valuables like furs, jewelry, or antiques, they may be eligible for coverage under your home insurance


Contact us today for a free consultation of your current needs!