Your home deserves more than a basic policy
A homeowners policy is really several coverages working together — and the cheapest version often quietly cuts the parts you’d miss most.
Get a homeowners insurance quote
Request personal help to compare homeowners insurance in Texas. An insurance professional will help you find the right dwelling, property and liability coverage.
Dwelling and other structures
Covers the structure of your home and detached structures. The dwelling amount should reflect what it would cost to rebuild — not what you paid.
Personal property and liability
Protects your belongings and covers you if someone is injured on your property or you’re responsible for damage to others.
Replacement cost vs. actual cash value
Replacement cost pays to rebuild at today’s prices; actual cash value subtracts depreciation. The difference on a claim can be enormous.
Flood is separate
Rising water is commonly excluded from homeowners policies. A separate flood policy is often the only coverage that would respond.