Texas Home Insurance Essentials: What Every Homeowner Should Know

Texas is a beautiful place to call home, but the weather alone makes a strong homeowners policy non-negotiable. Hail, hurricanes along the coast, wildfires in the hill country and tornadoes across the plains all create real risks that vary block-by-block.

A solid policy starts with the right dwelling coverage — enough to fully rebuild your home at today's construction costs. We see a lot of underinsured homes in Liberty Hill and Austin simply because rebuild costs have climbed faster than policies were updated.

Don't forget personal property, liability limits, and loss-of-use coverage if your home becomes uninhabitable after a claim. And ask your agent specifically about flood — standard homeowners policies do not cover rising water.