American Auto Insurance provides homeowners insurance plans that cover dwellings, personal property, other structures separate from the house and roof surfaces, according to AAA Texas. American Auto Insurance can also help homeowners rebuild their house if it is completely damaged.
The dwelling insurance covers the house and all structures attached to it, explains AAA Texas. This also covers built-in appliances and outdoor antennas. However, it does not include the land where the house sits. Personal property coverage covers property inside the house, such as furniture, clothing, kitchenware and electronics.
Structures separate from the house such as a pool, gazebo, detached garage and fence are covered under other structures, notes AAA Texas. The roof surface loss settlement helps clients pay for a percentage of the cost of replacing a roof after a windstorm, hailstorm or hurricane. In case a person is injured due to damage to the property, the personal liability coverage indemnifies the policy holder and helps pay for injuries to others and damages to other people's property.
In case a home is completely destroyed, the guaranteed rebuilding cost coverage helps the policyholder rebuild his home regardless of the limit of liability, states AAA Texas. In addition to the homeowners insurance coverage, policyholders can include earthquake and flood coverage, according to Insure.com. This helps compensate a client after damage to his home due to floods or an earthquake.