Homeowners Insurance

A Quick Guide to Texas Homeowners Insurance

Homeowners insurance is critical because it can help you if damage occurs. No one knows when a natural disaster may strike, so preparation is critical. 

Your Home Is Important, Make Sure It’s Protected

You have to ask yourself…

What would happen if a disaster struck your home tomorrow? Are you confident you're properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?

These questions are crucial to address because major insurance carriers hold on new clients after a disaster strikes. More importantly, when you're facing a crisis, you'll feel less pressure knowing:

  1. Your representative took the time to make sure you have the right protection
  2. Your insurance carrier has your back

What is Home Insurance for?

Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.

Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

You could also potentially need insurance to protect you from having to pay for:

  • Wind damage
  • Storm damage, fire, windstorm, lightning, and hail
  • Dog bite liability
  • Manufactured home coverage
  • Sinkholes
  • Flood damage
  • Sewer or septic backups
  • Replacement cost for personal property
  • Trampoline or swimming pool liability insurance
  • Umbrella liability insurance

When you see an independent insurance agent like us you have the chance to explore all your options for insurance and protect the things that are most important to you.

Little-known facts about Homeowners Insurance

There are many things about insuring a home that most consumers aren't aware of. We are here to make sure you avoid potential problem areas, including:

  • Most policies will not cover sewer backup unless you purchase a special endorsement
  • Damages caused by surface water or water that flows below the surface of the ground aren't usually covered
  • A standard homeowners policy typically does not include Flood Insurance
  • A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policy
  • Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
  • IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.  As an Independent Insurance Agency, we offer pricing from many carriers to find the best value for your money.  Let us be your personal insurance shopper!

After all, there's no such thing as a one-size-fits-all insurance policy when it comes to your personal policy.

Contact us today, and we'll help you protect what matters most.

Purchasing a home is one of the most important investments you'll make in life. If you live in Texas, you know it's a home of adverse weather such as hurricanes, tornadoes, hail, thunderstorms, blizzards, and droughts. If such weather strikes your home, the experience can be debilitating. That's why you need to protect your property in case a natural disaster destroys your home. If you're looking for homeowner’s insurance in Texas, you've come to the right place.

Different Types of Home Insurance Texas

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Frequently Asked Questions

  • What is the average cost of homeowners insurance in Texas?
    The average cost of Texas home insurance is $184 per month or $2,207 annually. If you're looking for affordable insurance coverages, the Brandes insurance agency is one of the companies you can rely on.
  • How do I get the best price on homeowners insurance?
    There are different ways you can ensure you get the best price on homeowners insurance, including: Raising your deductible Shopping around to get different quotes Safeguarding your Texas home against fire and theft Upgrading your shutters and roof Reviewing the property annually Understanding the difference between insurance value and market value
  • Is home insurance based on purchase price?

    Your Texas home's insurance value and market value aren't the same. The market value represents the property's worth when buying or selling it. On the flip side, the insurance value is the coverage you need when rebuilding the home to destruction by fires or other natural disasters.

  • What is not covered by homeowners insurance?

    While homeowners insurance includes a broad range of coverages, it excludes: Trampolines, pools, and aggressive dog breeds Business-related claims Identity theft -Character defamation Water damage Acts of war Nuclear accidents Damage due to bedbugs, termites, and other infestations

How We Work

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.