Homeowners Insurance in Texas

Typically the house, other structures, personal property, loss of use, and personal liability for covered claims. Not sure where to start… call an agent or get a quote.

No, but lenders require it. Even paid-off homes keep coverage to protect assets and relocation costs.

Enough to rebuild at today’s local costs. We estimate labor/materials and model scenarios in our comparison hub.

Open-peril on the dwelling (named exclusions) and named-peril for contents. We’ll clarify wind/hail, water backup, and special limits.

Flood is excluded on homeowners. If your area or lender requires it, add NFIP or private flood — get more info.

Replacement cost pays new; ACV subtracts depreciation. Texas carriers may vary by roof age/material.

Often yes. Some ZIPs use % deductibles for wind/hail. We’ll confirm and compare alternatives — speak with an agent.

Water backup, service line, equipment breakdown, increased special limits, and ordinance or law coverage are common adds.

Yes if values exceed sub-limits. Scheduled items often have broader coverage and lower/no deductibles.

Standard policies exclude many rental exposures. Ask about a rental endorsement or DP form — get a quote.

Business property/liability are limited. You may need an endorsement or a separate policy — get more info.

Coverage varies by carrier and endorsement. We’ll explain options for your ZIP and construction type.

Roof age/material, prior claims, construction, protection class, wind/hail risk, deductible, and credit where allowed.

Bundle with auto, choose sensible deductibles, add protective devices, and review endorsements yearly — compare options.

Impact-resistant shingles and newer roofs can rate better and may qualify for credits.

Often yes. Home + auto bundles can meaningfully reduce premiums — see my rate.

Monitored burglary/fire and water shutoff systems can earn discounts. Credits vary by carrier.

Many carriers use an insurance-based score where permitted. We’ll match you to favorable tiers.

Balance premium savings with what you can pay at claim time. We’ll model $1k vs $2.5k vs % wind/hail — get more info.

Report loss, document damage, meet the adjuster, and authorize repairs. Loss of use covers temporary housing if needed.

Often for a period. We reshop at renewal and target carriers that rate your history more favorably.

Yes, subject to policy terms. Preferred networks can speed billing, but you can choose a qualified contractor.

It helps pay for hotel/rental housing and extra living costs while covered damage is repaired.

Photos, estimates, receipts, and your declarations. See what appears on ID cards in this guide.

Evidence of insurance, declarations, mortgagee clause, and paid receipt. We send them same day — call an agent.

Yes. We add the lender so bills and proof route correctly.

Yes, an HO-6 covers walls-in, personal property, liability, and loss assessment. Get a quote.

It insures tenant-occupied homes: dwelling, loss of rents, landlord liability. Tenants need renters insurance.

Often within minutes after binding — digital proof by email/text — get more info.