Home insurance built for Texas
Wind, hail, water — Texas asks more of a homeowners policy than most states. We compare A-rated carriers on the coverage that actually gets used, not just the price.
What a good Texas homeowners policy covers
- Dwelling & other structures — rebuilt at today's construction costs, not what you paid for the house.
- Personal property — your stuff, ideally at replacement cost rather than depreciated value.
- Liability — protects your finances if someone is injured on your property or you're responsible for damage.
- Loss of use — somewhere to live while repairs happen.
- Water add-ons worth asking about — sewer/water backup, service-line, and seepage coverages fill gaps standard policies leave open. They're inexpensive, and they're the gaps we see bite homeowners most often.
Frequently asked questions
How fast can I really get a home insurance quote?
A few minutes. Our online system pulls public property data — square footage, year built, roof details — automatically, so you only confirm what's there and answer a handful of questions. Carriers then return real rates, usually in under a couple of minutes.
What drives home insurance prices in Texas?
The big ones: replacement cost of the home, roof age and material, claims history, wind/hail deductible choices, and where you live. Central Texas sits in hail country, so roof characteristics matter more here than in most states.
Does my roof age really matter?
Yes — it is one of the most powerful rating factors in Texas. A newer roof can unlock better pricing and better loss settlement terms with several carriers. If you've re-roofed recently, make sure your agent knows.
Do I need flood insurance if I have homeowners?
Homeowners policies generally exclude rising-water flood damage. Flood coverage is a separate policy, and in much of Texas it's inexpensive away from high-risk zones. Worth pricing — ask us.