Navigating the Texas Insurance Landscape
Homeowners insurance in Texas can feel complex due to our unique geography and climate risks. At A-LA Auto Insurance, we simplify the process so you can focus on building your life, knowing your home is secured by some of the most reliable carriers in the state.
What Does a Standard Policy Cover?
While policies can vary, most standard homeowners insurance in Texas (HO-3 or HO-B) includes four main components:
Dwelling Coverage
Covers the structure of your home (the walls, roof, and foundation) from perils like fire, windstorms, and hail. This is typically the largest part of your policy.
Other Structures
Protects detached buildings on your property, such as fences, sheds, garages, or even guest houses.
Personal Property
Covers what's inside your home—furniture, clothing, appliances, and electronics—whether they are damaged inside the home or even while you're traveling.
Liability Protection
Provides financial defense if someone is injured on your property or if you (or a household member) accidentally cause damage to someone else’s property.
The Texas Flood Reality
It is crucial to remember that standard homeowners insurance does NOT cover flood damage. In Texas, localized flooding can happen anywhere. Talk to an A-LA agent about a separate flood policy via the NFIP to ensure you are 100% protected.
What Affects Your Home Premium?
Newer homes often qualify for multi-thousand dollar discounts due to modern safety codes.
Impact-resistant shingles can significantly lower your wind and hail premiums in Texas.
Maintaining a claim-free record for several years is the best way to keep rates low.
In Texas, credit is a factor in determining homeowner insurance eligibility and pricing.
Protect Your
Lone Star Dream
Don't leave your most valuable asset to chance. Get a customized Texas Homeowners quote today.
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