Home insurance
Texas homes fail in Texas ways
Hail, wind, foundation movement and rebuild costs that have moved faster than most policy limits. We check the parts of a homeowners policy that decide what you are actually paid.
30+
Years of Texas hail and wind claims
A+
Better Business Bureau rating
Multi
Carriers compared on every quote
What actually decides a Texas home claim
Hail, wind, foundation movement and rebuild costs that have moved faster than most policy limits. We check the parts of a homeowners policy that decide what you are actually paid, not just the premium on the front page.
Homeowners, renters, condo and landlord policies are all written the same way here: the limits are set against what it would cost to rebuild today.
The detail
What the policy does, and where it stops
Typically covered
- Dwelling cover at a rebuild cost, not the market price
- Other structures: fences, detached garages, workshops
- Personal property, with scheduled items for jewellery and tools
- Loss of use while the house is uninhabitable
- Personal liability and medical payments
- Renters, condo and landlord policies on the same terms
Worth checking closely
- Percentage wind and hail deductibles, which can be a five-figure number
- Roof settlement: replacement cost or depreciated by age
- Foundation and slab movement, usually excluded or heavily limited
- Flood, which is never part of a homeowners policy in Texas
- Ordinance or law cover, for bringing a rebuild up to current code
- Water damage from plumbing, which many policies now sub-limit
A word on flood
Most Texas flood claims come from properties outside the mapped high-risk zones, where no lender required a policy. If your home sits near a creek, a drainage easement or newly developed land upstream, ask us for a flood quote alongside the homeowners quote. It is usually cheaper than people expect.