The Best Homeowners Insurance in Harlingen TX

Harlingen Homeowners....Now You Can Have Affordable Insurance

If your current homeowners insurance premiums keep going up year after year and you don’t know where else to look, then look no further. 

We understand the frustration that many people in Harlingen TX face when it comes to a good reliable, yet affordable, homeowners insurance. It seems to be a never ending story with premiums going up and up with no end in sight. Well, many people in the Rio Grande Valley including Harlingen Tx have found Benavides Insurance. We’ve been providing quality insurance coverage for homeowners since 1978 and a proven history of stable and steady homeowners insurance premiums, in other words, very few price increases. 

We believe in the same basic concepts as you, good insurance coverage that doesn’t break the bank! Our clients have been raving over our superior coverages with our policies, but most importantly, they rave about the benefits they get when it comes time to pay a claim.

We don’t beat around the bush like other insurance companies, we stand true behind what our core beliefs are and that it providing the best value at the best price and be there when you need us most.

Serving Texas Residents' Insurance Needs Since...

Even if you’ve suffered losses in that past, you can count on Benavides Insurance to get you the best price possible. At Benavides Insurance, we don’t worry about your past, we focus on protecting your future.

We are well known for being industry leaders when it comes to your insurance and particularly when it comes to…

    – Reviewing your coverages

    – Explaining your coverages

    – Claims handled promptly

    – Award winning customer service

    – We are always accessible and available

    – Giving you the best Bank for your Buck

So if you are in the market for a new homeowners insurance policy or are just looking to make a comparison against what you currently have, please feel free to give us a call by clicking the button at the bottom of the page and we will gladly be there to answer your questions.

Harlingen Homeowners Policy Coverages

Your policy pays the costs of repairing or replacing your home in the event of a covered loss. There are two types of dwelling coverages,

  • Replacement cost
  • Actual Cash Value

Ask your agent about the difference of these two policy types and the events that are covered.

pays if the items in your house (such as furniture, clothing, and appliances) are damaged, stolen, or destroyed.

pays to repair or rebuild structures not attached to your house, such as detached garages, storage sheds, and fences.

pays your additional living expenses (housing, food, and other essential expenses) if you have to temporarily move because of damage to your house from a covered loss. Your policy will pay either a percentage of the amount of your dwelling coverage (typically 10 to 20 percent) or for a specific period after the loss (such as 24 months).

pays to defend you in court against lawsuits and provides coverage if you are found legally responsible for someone else’s injury or property damage.

pays the medical bills of people hurt on your property. It might also pay for some injuries that happen away from your home, such as your dog biting someone at the park. A basic homeowners policy pays $500 in medical bills, but you may buy up to $5,000 in medical payments coverage.

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