Home Insurance
Protection for your house, your belongings, and your liability — with guidance on flood coverage that Texas homeowners actually need.
Coverage highlights
- Dwelling coverage for your home's structure
- Personal property coverage for belongings inside
- Liability protection if someone is injured on your property
- Additional living expenses if your home is temporarily uninhabitable
- Guidance on separate flood coverage — standard home policies don't include it
Why it matters here
Standard homeowners policies do not cover flood damage — a critical fact whether you're in Houston, where neighborhoods like Meyerland and parts of Sharpstown have flooded more than once in the last decade, or on the Gulf Coast, where hurricane storm surge adds another layer of risk. We'll walk you through where your ZIP code sits relative to FEMA flood zones and what that means for your policy, wherever in Texas you live.
FAQ
Does homeowners insurance cover flood damage in Texas?
No — standard homeowners policies exclude flood damage. Flood coverage requires a separate policy, typically through the National Flood Insurance Program (NFIP) or a private flood carrier. We can help you understand your options based on your address.
What does homeowners insurance typically cover?
It generally covers your home's structure, your personal belongings, liability if someone is hurt on your property, and additional living expenses if you need to temporarily relocate after a covered loss.
How is my home insurance premium calculated?
Premiums are based on factors like your home's age and construction, roof condition, claims history, coverage amount, and location — including proximity to fire hydrants/stations and local weather risk.