Home & Personal

Homeowners Insurance

Your home is likely your largest asset, and the details of your policy decide how well it's protected. We help you understand what you're covered for, what you'd pay out of pocket, and whether there's a better option.

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What It Covers

The six parts of a homeowners policy

A standard homeowners policy bundles property and liability protection into one contract. Each part has its own limit, and the gaps usually show up where those limits don't match your actual situation.

Dwelling (Coverage A)The structure of your home, including attached garages and built-in fixtures. This limit should reflect what it would cost to rebuild today, not your purchase price or market value.

Other Structures (Coverage B)Detached garages, fences, sheds, workshops, and similar structures on your property. Often set at 10% of your dwelling limit by default.

Personal Property (Coverage C)Furniture, clothing, electronics, and other belongings. Jewelry, firearms, and collectibles often have low sub-limits unless they're scheduled separately.

Loss of Use (Coverage D)Additional living expenses such as a rental, hotel, or meals if a covered loss makes your home unlivable during repairs.

Personal Liability (Coverage E)Protects you if someone is injured on your property or you accidentally damage someone else's property, including legal defense costs.

Medical Payments (Coverage F)Small medical bills for guests injured at your home, paid regardless of fault. Often prevents a minor injury from turning into a liability claim.

Roof Coverage: The Detail Most People Miss

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Check how your roof is valued.

A growing number of carriers settle roof claims at actual cash value or on a payment schedule once a roof reaches a certain age. A 15-year-old roof destroyed in a covered loss may only be paid at a fraction of its replacement cost. This is often the single biggest difference between two policies that look the same on price.

Common gaps we find in Texas homeowners policies

✓ Underinsured dwelling: construction costs have risen sharply. A limit set five years ago may not rebuild your home today.
✓ Foundation and slab issues: Texas clay soils shift. Most policies exclude settling and cracking, though some provide limited coverage when a sudden plumbing leak causes the damage.
✓ Water damage limits: policies distinguish between sudden, accidental water damage and long-term leaks. Mold coverage is frequently capped or excluded.
✓ Home-based business equipment: a homeowners policy typically offers very limited coverage for business property and no coverage for business liability. If you run a business from home, it's a conversation worth having.
✓ Liability limits that are too low: a serious injury on your property can exceed your policy's liability limit. A personal umbrella adds protection above it.
✓ No flood coverage: standard homeowners policies exclude flood, including rising water from storms. Flood requires a separate policy.

Know your coverage before you need to file a claim

A 15-minute review can show you your real out-of-pocket exposure and whether a different carrier offers better protection for the same budget.

Get a Homeowners Review Talk to an Advisor

Coverage descriptions on this page are general in nature and for educational purposes only. Actual policy language governs all claims. Policy forms, deductibles, and roof settlement provisions vary by carrier. All coverages are subject to policy terms, conditions, and underwriting approval.