When most people think of homeowner’s insurance, they usually imagine protecting their homes from common risks like fire, theft, and weather-related damage. However, there are some unique and unexpected items that homeowners in Texas choose to insure. Here are some of the most uncommon items that Texans insure in their homes:
- Firearms
In Texas, it’s not uncommon for homeowners to own a collection of firearms, and many of them choose to insure these valuable assets. Homeowners can add a rider to their insurance policy to specifically cover their guns in case of theft, damage, or loss. - Swimming Pools
While swimming pools may be a common feature in many Texas homes, they can also be a liability. Homeowners can insure their swimming pools to protect against accidents and injuries, as well as damage to the pool itself. - Livestock
If you live on a farm or ranch in Texas, you may have valuable livestock that you want to protect. Homeowners can insure their animals against accidents, theft, and other losses. - Art Collections
Many Texans have a passion for collecting art, and these collections can be worth a significant amount of money. Homeowners can insure their art collections to protect against damage, theft, and other losses. - Musical Instruments
Texans are known for their love of music, and many homeowners own valuable musical instruments. Homeowners can insure their instruments to protect against damage, theft, and loss. - Wine Collections
Texas is home to many vineyards and wineries, and it’s not uncommon for homeowners to have a collection of valuable wines. Homeowners can insure their wine collections to protect against damage, theft, and other losses. - Jewelry
Many Texans own valuable jewelry, whether it’s a family heirloom or a new piece purchased for a special occasion. Homeowners can insure their jewelry to protect against theft, loss, and damage.
In conclusion, while homeowner’s insurance is typically associated with protecting against common risks, many Texans choose to insure unique and valuable assets such as firearms, swimming pools, livestock, art collections, musical instruments, wine collections, and jewelry. If you have any of these items in your home, it’s worth considering insuring them to protect against potential losses.
