Homeowners Insurance in Texas
Homeowners insurance in Texas can swing by thousands of dollars a year between carriers for the exact same house. Instead of quoting one company, I compare home insurance quotes across 150+ carriers and show you what each policy actually covers — wind and hail deductibles, roof settlement, and replacement cost included.
What homeowners coverage includes
- Dwelling coverage at accurate replacement cost, not a guess
- Windstorm and hail options, including coastal and TWIA situations
- Other structures like fences, sheds, and detached garages
- Personal property, with scheduled coverage for jewelry and firearms
- Personal liability, medical payments, and loss of use after a covered claim
Why use an independent agent
I'm not captive to one company. As an account executive with Goosehead Insurance, the #1 personal lines brokerage in Texas, I shop your policy across 150+ carriers, explain the trade-offs in plain language, and stay your single point of contact for renewals and claims.
Questions first? Call or text 346-333-0046.
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Homeowners insurance FAQs
How much does homeowners insurance cost in Texas?
Most Texas homeowners land somewhere between roughly $2,000 and $4,500 a year, and the range is wide because of wind and hail exposure, roof age, claims history, and county. The only way to know your number is to run your address across multiple carriers — that comparison is free and takes one short application.
What does homeowners insurance cover?
A standard Texas HO-3 covers the dwelling, other structures, personal property, personal liability, and loss of use. It does not cover flood, and many policies handle wind/hail and roof damage differently — that's where carrier choice matters most.
Do I need separate windstorm insurance in Texas?
Along parts of the Gulf Coast, wind and hail are often excluded from the base policy and written separately (frequently through TWIA). Inland, wind is usually included but with a percentage deductible. I check both when I shop your home.
Can I bundle home and auto insurance in Texas?
Yes, and it's usually where the biggest savings show up. Bundling home and auto insurance in Texas commonly cuts 10–25% off the combined premium, so I quote both together by default.
Homeowners insurance across Texas
I'm licensed statewide (Texas License #3530322) and write homeowners insurance for clients in Houston, Dallas–Fort Worth, San Antonio, Austin, Corpus Christi, El Paso, Galveston, Lubbock, Amarillo, Waco, Beaumont, Laredo, Brownsville, Abilene, Midland, Arlington, Garland, and Plano — plus every town in between. Same application, same carrier panel, wherever you are in Texas.
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