Protect your home, belongings, and family with Texas-specific coverage designed for our unique weather and risks. Save up to 25% with bundled policies.
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Specialized protection designed for Texas homes, weather, and unique risks. Experience comprehensive coverage with local service.
Full coverage for your home's structure including roof, walls, foundation, and attached structures like garages. Replacement cost coverage ensures you can rebuild.
Specialized protection against hail, windstorms, tornadoes, and other Texas weather events. Essential coverage for our climate.
Protect your belongings including furniture, electronics, appliances, clothing, and valuables. Coverage extends beyond your home too.
Coverage if someone is injured on your property or if you accidentally damage someone else's property. Includes legal defense costs.
Complete protection against fire, smoke, and explosion damage. Fast claims processing to help you rebuild and recover quickly.
Protection from burst pipes, plumbing issues, and sudden water damage. Separate flood insurance available for flood-prone areas.
Customizable protection designed for Texas homes with coverage options that fit your needs and budget.
Protects the physical structure of your home including walls, roof, foundation, and built-in appliances. Covers repair or rebuilding costs after covered losses.
Coverage for your belongings inside and outside your home. Protects furniture, electronics, clothing, and more from theft or damage.
Covers legal expenses if someone is injured on your property or if you accidentally damage someone else's property. Essential financial protection.
Pays for temporary housing, meals, and other costs if your home becomes uninhabitable due to a covered loss. Peace of mind during repairs.
Get answers to common questions about homeowners insurance in Texas.
Standard Texas homeowners insurance (HO-3 policy) covers your home's structure, personal belongings, liability protection, and additional living expenses. It protects against fire, wind, hail, theft, vandalism, and many other perils. However, flood and earthquake damage require separate policies. Texas homes especially need strong wind and hail coverage due to our weather patterns. We recommend reviewing your policy annually to ensure adequate coverage as your home's value changes.
Your dwelling coverage should equal the cost to rebuild your home at current construction prices (not the market value). For personal property, most policies cover 50-70% of your dwelling amount. We recommend at least $300,000-$500,000 in liability coverage. Consider these Texas-specific factors: wind and hail deductibles (often 1-2% of dwelling coverage), replacement cost vs. actual cash value, and extended replacement cost coverage for inflation protection. Many lenders require insurance equal to the loan amount or the home's replacement cost.
Yes, Texas homeowners insurance covers roof damage from covered perils like hail, wind, fire, and falling objects. However, coverage depends on your policy type and roof age. Newer roofs (under 10 years) typically get full replacement cost coverage. Older roofs may have depreciation applied or limited coverage. Texas insurers often inspect roofs before issuing policies. Regular maintenance is crucial - damage from wear and tear or lack of maintenance isn't covered. Consider impact-resistant roofing shingles for discounts and better protection.
Yes! Many ways to reduce premiums: Bundle with auto insurance (save up to 25%), install security systems and smart home devices (5-20% discount), upgrade to impact-resistant roofing and storm shutters, raise your deductible if you have emergency savings, maintain good credit (affects rates in Texas), install fire and smoke detectors, avoid small claims when possible, and ask about discounts for being claim-free, retired, or having a newer home. We'll help you find all applicable discounts.
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