Texas Homeowners Insurance That Actually Covers What Matters
We shop 15+ carriers to find the right coverage for your home, your belongings, and your liability — at a rate that makes sense for Texas.
Get a Free Home Insurance QuoteWhat Homeowners Insurance Covers
A standard homeowners policy has 6 primary coverage components. We explain each and make sure your limits actually match your exposure.
Dwelling Coverage
Covers the physical structure of your home if damaged by covered perils (fire, wind, hail, lightning, vandalism, etc.). Should be set at full replacement cost, not market value.
Other Structures
Covers detached garages, fences, sheds, and other structures on your property. Typically 10% of your dwelling limit.
Personal Property
Covers your belongings — furniture, electronics, clothing, appliances. We recommend a home inventory to make sure you’re not underinsured on high-value items.
Loss of Use
Covers additional living expenses if your home is uninhabitable after a covered loss — hotel, meals, and other costs while repairs are made.
Personal Liability
Covers you if someone is injured on your property and sues you. Standard limits are $100K–$300K — we often recommend higher limits or an umbrella policy.
Medical Payments
Pays medical bills for guests injured on your property regardless of fault — typically $1,000–5,000 to prevent small incidents from becoming liability claims.
Coverage Gaps to Watch in Texas
Flood Insurance
NOT included in standard homeowners policies. Requires a separate NFIP or private flood policy. Ask us about your flood zone.
Windstorm
May require separate coverage in high-wind zones of Texas, especially coastal counties. We’ll check your specific location.
Water Backup
Sewer backup and water backup is typically excluded unless you add an endorsement. Usually costs $30–60/year — worth it.
Foundation Issues
Texas’s expansive clay soils make foundation movement common. Most policies exclude gradual settling. Ask us about endorsements.
Get a Home Insurance Quote Today
We’ll shop multiple carriers and come back with clear options — usually the same business day.
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