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Home insurance · Houston, Texas
Home insurance that fits a Houston home.
Your home is likely the biggest thing you own. Coverage for it should be chosen carefully, not clicked through in five minutes.
Get a quoteWhy it matters
A Houston homeowners policy has to handle things a policy written for a milder climate never sees: spring hail, summer storms, hurricane season, and older housing stock next to brand-new builds. Two policies with the same price can pay very differently after a claim.
As an independent agent, Shauna compares options instead of selling a single company’s product, then walks you through the parts that matter most: how your roof is covered, what your wind and hail deductible really costs you, and whether your dwelling limit would actually rebuild your home today.
Dwelling
The structure itself, set to what it would cost to rebuild, not what you paid.
Other structures
Fences, detached garages, sheds, and similar buildings on your property.
Personal property
Your belongings, with the option to insure them at replacement cost.
Liability
Protection if someone is hurt at your home or you accidentally damage someone else’s property.
Loss of use
Extra living costs if a covered loss forces you out of your home while it is repaired.
Local detail
What Houston homeowners should check
Wind and hail deductibles
Many Texas policies use a percentage deductible for wind and hail. On a $400,000 home, a 2% deductible is $8,000 out of pocket before coverage starts.
Roof coverage
Some policies pay older roofs on an actual cash value basis, meaning depreciation comes off the check. Know which one you have before the next hailstorm.
Flood is not included
Standard homeowners policies exclude flood damage. In Houston, separate flood coverage is worth a serious look even outside a mapped flood zone.
Common questions
Does homeowners insurance cover flooding in Houston?
No. Standard homeowners policies exclude flood. Flood coverage is bought separately, through the National Flood Insurance Program or a private flood insurer.
How much dwelling coverage do I need?
Enough to rebuild your home at today’s construction costs. That number is often different from your purchase price or appraised value, and it changes as building costs rise.
Why did my premium go up when I did not file a claim?
Rates in Texas have been rising with rebuilding costs and severe-weather losses statewide. Shopping your policy with an independent agent is the best way to see whether a better fit exists.
Can you help if I am buying a home?
Yes. Lenders need proof of insurance before closing. Reach out as soon as you are under contract so there is time to compare options without a rush.
Start here
Let’s talk about your coverage.
Tell us a little about what you need. Shauna responds personally, usually within a few hours.