Homeowner Insurance
Compare home coverage from 15 carriers for coastal and inland Texas homes
Homeowners insurance for Texas homes
Texas homeowners face a little of everything: hurricanes on the coast, hail across the state, severe thunderstorms, and rising rebuilding costs. The right homeowners policy depends on where your home is, how it is built, and the condition of your roof. As an independent agency, we compare coverage from 15 insurance companies, including Travelers, The Hartford, Mercury, ASI, Homeowners of America, and Universal Property & Casualty, to find the right fit for your home and budget.
What a homeowners policy covers
- Dwelling: repairs or rebuilding of your home after a covered loss, such as fire, lightning, or hail.
- Other structures: detached garages, fences, sheds, and similar structures, usually a percentage of your dwelling coverage.
- Personal property: your belongings, including furniture, clothing, and electronics.
- Loss of use: extra living expenses, like a hotel, if a covered loss forces you out of your home.
- Personal liability: protection if someone is injured on your property or you accidentally damage someone else's property.
- Medical payments: small medical bills for guests injured at your home, regardless of fault.
What homeowners insurance usually does not cover
- Flood: rising water and storm surge require a separate flood insurance policy.
- Wind and hail on the coast: in the Texas coastal counties, many policies exclude wind and hail, which then must be covered by a separate windstorm policy or TWIA.
- Wear and tear: maintenance problems and gradual deterioration are generally not covered.
Coastal homes need a coverage plan
If your home is in one of the 14 coastal counties or Harris County east of Highway 146, your homeowners policy may not include wind and hail. Some private carriers offer a single policy that covers hazard, wind, hail, and hurricane together. See real examples on our windstorm insurance cost page, find your coastal city, or learn how homeowners, windstorm, and flood coverage fit together on our coastal Texas home insurance page.
Your roof matters
Hail and wind make the roof the most important part of a Texas home insurance quote. Older roofs may be covered at actual cash value, which subtracts depreciation, instead of full replacement cost. Many Texas policies also carry a separate percentage deductible for wind and hail claims. Ask us how your roof's age and material affect your options.
Ways to save on Texas homeowners insurance
- Shop multiple carriers every renewal. Pricing changes often in Texas.
- Ask about discounts for a newer or impact-resistant roof, monitored security and fire alarms, and a claims-free history.
- Choose a higher deductible if you can comfortably afford it after a loss.
- Make sure your dwelling coverage matches your real rebuilding cost.
Get your homeowners insurance quote
Tell us about your home and we will compare options from the carriers we represent. Request a homeowners insurance quote or call (281) 715-7800. We are open 24/7.
Texas Homeowners Insurance FAQs
It depends on your home's location, age, size, roof, construction, coverage amount, and deductible, and Texas premiums vary widely. Coastal homes often need wind and hail coverage too. See real sample quotes for coastal homes on our windstorm insurance cost page, or request a quote for your home.
Most Texas homeowners policies cover hail damage, often with a separate percentage deductible for wind and hail. In coastal counties, wind and hail may be excluded and covered instead by a separate windstorm policy or TWIA. Older roofs may be paid at actual cash value.
No. Flood damage from rising water and storm surge is not covered by homeowners insurance. You need a separate flood insurance policy.
Not always. Many homeowners policies in the Texas coastal counties exclude wind and hail. In that case you need a separate windstorm policy from a private carrier or TWIA. Some private carriers include wind in one combined policy.
Compare carriers at every renewal, ask about discounts for a newer or impact-resistant roof and security systems, keep a claims-free history, and consider a higher deductible. An independent agency can shop multiple companies for you at once.
An independent agency represents multiple insurance companies, so you can compare coverage and price side by side instead of getting a single company's offer. We represent 15 carriers, including TWIA for coastal wind coverage.
Start your quote online or contact our office to find out how we can help you find a policy that fits your needs.