Your guide to
Homeowners Insurance in Texas
Your home is one of the biggest purchases you will make. Our agency helps you understand what a homeowners policy covers, what it leaves out, and how to protect your home, your belongings and your family.
What it covers
Common homeowners coverages
A typical homeowners policy combines protection for the house, your belongings and your liability. Limits, deductibles and exclusions vary, so it helps to review each part.
Tap any part and the quote form opens with it already noted.
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Dwelling
Helps pay to repair or rebuild the structure of your house after a covered loss, such as fire or wind damage.
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Other structures
Covers structures on your property that are not attached to the house, like a detached garage, shed or fence.
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Personal property
Protects your belongings, such as furniture, clothing and electronics, against covered events like theft or fire.
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Loss of use
If a covered loss makes your home unlivable, it can help pay for temporary housing and extra living costs.
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Personal liability
Helps protect you if you are found responsible for someone else's injury or damage to their property.
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Medical payments to others
Can pay medical bills for guests hurt on your property, regardless of fault. It does not cover your own household.
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Scheduled personal property
Added coverage for high-value items like jewelry, art or collectibles that may be above standard policy limits.
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Why it matters
Know what your policy does and does not cover
No two homeowners policies are exactly alike. Limits, deductibles and exclusions differ from one policy to the next, and many people carry a policy for years without knowing what it really does.
Standard homeowners policies generally exclude flood damage, and some risks need added coverage. Reviewing your policy before something happens is a practical way to find a gap while there is still time to close it.
If you rent the home out or it sits empty, you may need a landlord or dwelling policy instead of a standard homeowners policy.
Answers
Homeowners insurance questions
Straight answers to common questions. If yours is not here, call or text our agency.
Standard homeowners policies generally do not cover flood damage. Flood coverage is usually a separate policy, so ask our agency about it if flooding is a concern where you live.
Dwelling coverage should reflect what it would cost to rebuild your home, which is not the same as its market value or what you paid for it.
Many homeowners policies extend personal property coverage to belongings you take with you, often with lower limits. We can review your policy with you.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.