insurances to get when buying a house (Houston, Pearland: homeowners insurance, live)

[Glorious Houston]

Keeping my fingers crosssed - but in the event our dream house does happen; what insurances should I be looking to get.I have no experience in these matters-
home insurance
flood insurance
storm insurance
appliance insurance
home insurance
there are so many what am I missing ? do i need all of these or is one covered by the other? or is there an umbrella one that covers everything -PHEW !
so what would the knowledgable members in this forum advice me -Location would be New Territory

[jojobeans2]

Depends on where your house is and if you are getting financing.

I would say that Hazard insurance is mostly required anywhere. Depending on area, you might need separate Windstorm insurance (mostly south areas where hurricanes can do the most damage) and Flood insurance (if it's in a flood zone or you just want peace of mind).

[Glorious Houston]

sugarland - New territory; yes i will be getting financing

[swopoe]

Hazard/Homeowner's insurance will be required, and flood insurance will probably be smart (and likely cheap).

[jojobeans2]

You have to see about your individual house - check if flood and windstorm are required. Not all homes in the same areas are I'm the same zones.

[texas7]

Originally Posted by jojobeans2

Depends on where your house is and if you are getting financing.

I would say that Hazard insurance is mostly required anywhere. Depending on area, you might need separate Windstorm insurance (mostly south areas where hurricanes can do the most damage) and Flood insurance (if it's in a flood zone or you just want peace of mind).

Windstorm may be included in your regular homeowners policy. Just ask. I wouldn't say windstorm is for south only. My co-worker had 80k worth of damage to her home in nw Houston after Ike and it was a wind related claim.

[jojobeans2]

Originally Posted by texas7

Windstorm may be included in your regular homeowners policy. Just ask. I wouldn't say windstorm is for south only. My co-worker had 80k worth of damage to her home in nw Houston after Ike and it was a wind related claim.

Sorry, I meant separate windstorm insurance. I just bought a home in Pearland and there are no insurance companies who are willing to insure windstorm. But it's required. So the problem comes in where you have to buy separate policies from different companies. A regular hazard homeowners insurance and a (very expensive) windstorm policy with TWIA.

Yes, if you live anywhere else, windstorm is usually included.

(literally... state farm, farmer's, allstate, aaa, nationwide, geico, esurance all told me no)