Question 1

What's actually covered in a Texas home insurance policy?

Accepted Answer

A standard Texas homeowners policy (HO-3) covers four core areas: dwelling (your home's physical structure including walls, roof, and foundation), personal property (furniture, electronics, clothing, and valuables), personal liability (legal costs if someone is injured on your property), and additional living expenses (hotel and meals if your home becomes uninhabitable). Texas-specific endorsements are especially important — wind and hail coverage is critical in DFW, where hail storms cause billions in annual damage. The Texas Department of Insurance (TDI) regulates all policies to ensure fair treatment of homeowners. A-LA's agents across 14 DFW locations shop 35+ carriers to build you a policy that truly fits your home and budget. Call (866) 252-6116 for a same-day quote.

Question 2

How do I know if I have enough homeowners insurance coverage?

Accepted Answer

The most common mistake Texas homeowners make is insuring their home for its market value rather than its replacement cost — what it would actually cost to rebuild from scratch at today's material and labor prices. Construction costs in Texas have risen sharply; rebuilding a 2,000 sq ft DFW home can easily exceed $300,000. Your policy's dwelling coverage should reflect this rebuild cost, not your mortgage balance. You should also review personal property limits (typically 50–70% of dwelling coverage) and ensure liability limits of at least $300,000. A-LA agents at all 14 DFW locations will perform a free coverage review and shop 35+ carriers to close any gaps without overpaying. Call (866) 252-6116 today.

Question 3

Does homeowners insurance cover roof damage from Texas storms?

Accepted Answer

Most standard Texas homeowners policies cover roof damage caused by wind and hail — the two most common storm perils in DFW. However, how much you receive depends on whether your policy pays actual cash value (ACV) or replacement cost value (RCV). ACV policies deduct depreciation based on your roof's age, leaving you to pay thousands out of pocket on an older roof. RCV policies pay the full cost of a new roof of like kind and quality. Texas also sees separate wind/hail deductibles — often 1–2% of your home's insured value — distinct from your standard deductible. A-LA agents compare 35+ carriers to find policies with the best roof coverage terms across our 14 DFW locations. Call (866) 252-6116.

Question 4

How can I lower my homeowners insurance premium?

Accepted Answer

Texas homeowners have several effective strategies to reduce premiums without sacrificing protection. The fastest win is bundling home and auto insurance with A-LA — most customers save 25% instantly. Installing a UL-listed monitored burglar or fire alarm typically earns a 5–20% discount. Upgrading to Class 4 impact-resistant shingles can reduce your wind/hail premium by 20–30% and may qualify for a TDI-mandated discount. A high credit score (720+) also significantly lowers your rate under Texas credit-scoring guidelines. Raising your deductible from $1,000 to $2,500 reduces premiums by 10–15%. A-LA shops 35+ carriers across 14 DFW locations to stack every eligible discount. Call (866) 252-6116.

Question 5

What is the difference between HO-3 and HO-5 homeowners policies in Texas?

Accepted Answer

An HO-3 policy is the most common homeowners policy in Texas. It covers your dwelling on an open-perils basis (everything except listed exclusions) but covers personal property on a named-perils basis (only damage from specifically listed events). An HO-5 policy covers both the dwelling and your personal property on an open-perils basis — offering broader protection, especially for high-value items like electronics, jewelry, and art. HO-5 policies typically cost 10–20% more but provide significantly fewer claim denials. A-LA's agents at all 14 DFW locations can compare both options across 35+ carriers so you get the right fit for your home and belongings. Call (866) 252-6116 for a free side-by-side comparison.

Question 6

Does Texas homeowners insurance cover foundation damage?

Accepted Answer

Standard Texas homeowners policies typically exclude foundation damage caused by soil settlement, shrinkage, or earth movement — all of which are common in DFW's expansive clay soils. However, if foundation damage is directly caused by a covered peril such as a sudden burst pipe or accidental water discharge, that portion may be covered. Some carriers offer limited foundation coverage endorsements. Because foundation repairs in Texas can run $5,000–$30,000 or more, it is critical to review your policy's exclusions carefully. A-LA's agents across 14 DFW locations will explain exactly what your policy covers and shop 35+ carriers to close any gaps. Call (866) 252-6116 for a full coverage review.

Home Insurance Protect What Matters Most

How much is homeowners insurance in Dallas-Fort Worth?

Why Families Trust A-LA With Their Homes

Total Home Defense

Battle-Tested Protection

Your Stuff, Covered.

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Fire & Smoke Damage

Hidden Damage Protection

More Than Just Policies. We Offer Promises.

Dwelling Coverage

Personal Property

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Additional Living Expenses

Home Insurance FAQs for Homeowners

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