Phone: (361) 573-4475 Fax: (361) 573-5147

Serving and protecting the south Texas Crossroads area.

After a fire, water discharge, or storm has damaged your home, you need someone who can advise you and help you get the repair process under way. You also want your insurance carrier to offer the coverage, service, and fair dealing in a way that follows the “Golden Rule.” At Janecka Insurance we do just that — we treat our clients like we would want to be treated.

The right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Getting the right policy also depends on you making informed and careful decisions in choosing how much and what kind of coverage to buy. This partnership is how we help you to insure your most valuable asset: your home.

What is covered in Home Insurance?

A home insurance policy is an indemnity contract that pays you for the cost of covered repairs following a damaging event which falls within the scope of its coverage. Is everything covered? Unfortunately, no; every contract has exclusions and limitations. Your home insurance also provides protection for when someone is injured while on your property, or is injured or their property damaged by your actions or that of your pet.

Homeowner policies differ by which losses are included or added into its coverage, by the amounts of extra limits available, and by what type of residence you own. You choose which policy is best for you, whether it’s a broad perils policy, or a specified perils policy specifically including occurrences like fire, lightning, wind, hail, smoke, falling objects, vandalism and theft of personal property.

How Much Does Home Insurance Cost?

This is the primary question on the minds of most people calling their agent. Like you, we pay attention to price, and look for methods to control it as well as finding the company offering the better deal.

But, as professionals, we want to address how much coverage you are buying both in limits and in types of perils protected against. We also help you review the limited or excluded items to see whether you might choose to add back or increase sub-limits in the policy.


In short, the conversation deserves more careful attention than just answering, “How much does it cost?”

Let’s get the ball rolling. Request a quote online or give us a call at (361) 573-4475.

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