- Free quotes, multiple carriers
- Dropped homes & high-risk welcome
Texas Homeowners Insurance
Get a real homeowners quote, not a teaser rate.
Homeowners insurance protects the house, what’s in it, and your liability if something happens on your property. As an independent Texas broker, we compare multiple carriers and walk you through what the policy actually covers, not just the price tag.
- Free quotes across multiple Texas carriers
- Hurricane wind, hail, and storm coverage explained honestly
- Help if you've been dropped or non-renewed
- One Texas advisor for renewals, claims, and questions
🏠 Get your home quote
Free, no obligation. Real Texas carriers, real quotes.
Trusted by Texas homeowners since 1983
Homeowners since 1983
Compare options in one call
Coastal, inland, and elsewhere
One contact, year-round support
The six parts of a homeowners policy
Your policy has six separate coverages. Each has its own limit.
Most homeowners think of their policy as “house insurance” and don’t realize it’s actually six distinct coverages (labeled A through F on the declarations page), each with its own limit and rules. Understanding all six is the difference between feeling covered and actually being covered.
Dwelling
Covers the structure of your house itself, the walls, roof, foundation, attached garage, built-in fixtures.
Example
Hail damages your roof. Dwelling coverage pays for repair or replacement, subject to your deductible.
Other Structures
Detached structures on your property: detached garage, shed, fence, gazebo, driveway. Typically 10% of Coverage A by default.
Example
A storm destroys your detached shed. Coverage B responds, separate from your dwelling limit.
Personal Property
Your belongings inside the home: furniture, electronics, clothing, appliances. Typically 50% to 75% of Coverage A by default.
Example
Fire damages furniture, electronics, and clothing. Coverage C pays to repair or replace them.
Loss of Use
Additional living expenses while your home is being repaired after a covered loss: hotel, restaurant meals, rental costs.
Example
Your house is uninhabitable after a fire. Coverage D pays for a hotel and meals while it’s being repaired.
Personal Liability
Legal liability when you’re responsible for injuries to others or damage to their property, both on and off your premises.
Example
A guest is injured at your house. Coverage E pays for their medical bills and your legal defense if you’re sued
Medical Payments
Smaller medical bills for guests injured on your property, paid without regard to fault. Typically $1,000 to $5,000.
Example
A neighbor trips on your steps and breaks their wrist. Coverage F pays the urgent care bill quickly.
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The Texas storm deductible
Most Texas homeowners policies carry a separate, percentage-based deductible for wind, hail, or named-storm losses, typically 1% to 5% of your Coverage A dwelling limit. That means a $400,000 home with a 2% wind/hail deductible has an $8,000 deductible for storm claims, separate from your standard “all other perils” deductible. If you’re new to Texas or shopping for the first time in a while, this is the single most important thing to understand before binding a policy.
What homeowners typically covers
The risks a standard Texas homeowners policy responds to.
Coverage varies by policy form (HO-3 is the most common Texas form), but most homeowners policies cover damage from a set of “named perils” or “all risks” except those specifically excluded.
Fire & smoke damage
House fires, smoke damage from neighboring fires, and damage from heating malfunctions. Coverage A (dwelling) and C (personal property) both respond.
Wind & hail
Texas storm damage to roofs, siding, windows, and structures. Subject to a separate, often percentage-based, wind/hail deductible.
Tree & falling object damage
A tree falls on your roof, a vehicle strikes your fence. Coverage A and B respond, depending on what was damaged.
Sudden water damage
A pipe bursts, an appliance fails, a roof leak from a covered event. Note: gradual leaks and flooding from outside are usually excluded.
Theft & vandalism
Break-ins, theft from your home, and intentional property damage by others. Personal property coverage (C) responds.
Liability claims
Someone is injured on your property or you’re sued for damage you caused. Coverage E provides defense costs and settlements within the limit.
The honest part
What homeowners does NOT cover.
These exclusions surprise people every year. Knowing about them up front lets you make informed decisions about endorsements or separate policies.
Flood damage
Rising water from outside your home is NEVER covered by a standard homeowners policy. You need a separate flood policy, available through NFIP or the private market.
Earthquake damage
Earthquake is excluded from standard policies. Texas earthquake activity has increased in some areas, and earthquake coverage is available as a separate policy.
Mold (often limited)
Texas policies typically have specific limits or exclusions for mold. Even when included, the limit is often much smaller than the cost of remediation.
Wear & tear, neglect
Insurance covers sudden, accidental losses. Slow deterioration, deferred maintenance, and gradual leaks are not what policies are built for.
Faulty workmanship
Damage caused by poor construction, repairs, or installation is typically excluded. The contractor’s liability is the path to recovery there.
High-value items above sub-limits
Jewelry, watches, guns, collectibles, art, and electronics often have sub-limits much lower than their value. Scheduled property endorsements solve this.
Why work with Aimbest
Texas homeowners is different. We've been in it since 1983.
Hurricane wind, hail, named-storm deductibles, dropped homes, mold limits, and the differences between HO-3 and other forms all matter in Texas. As an independent broker, we don’t represent one carrier, we represent you. That means we can shop multiple markets, including specialty carriers that handle homes the standard market has dropped.
Real quotes from multiple Texas homeowners carriers, side by side.
Specialty and surplus lines markets for homes the standard market refused.
Renewals, claims, address changes, and questions all go to the same person.
"Our previous insurer non-renewed us after one hail claim. Aimbest had three real quotes back within days and explained the wind deductible difference, no jargon."
How it works
From quote request to bound policy, four steps.
Share your property and current situation. A licensed Texas advisor reaches out.
Across standard and specialty Texas markets to find quotes that actually fit your situation.
Side-by-side comparison of coverage, deductibles, and premium. We explain the differences honestly.
Choose your policy. One advisor handles renewals, claims, and changes for the long run.
Common questions
Texas homeowners, answered.
What's the difference between ACV and replacement cost?
Actual Cash Value (ACV) pays out the depreciated value of damaged property (what it was worth right before the loss, accounting for age and wear). Replacement Cost Value (RCV) pays what it costs to replace the item or repair the structure with similar new materials, without deducting for depreciation. RCV is more expensive but pays out significantly more on a claim. Most lenders require RCV on the dwelling. We always confirm both your dwelling coverage and your personal property coverage settle the way you expect.
How are Texas wind and hail deductibles calculated?
Most Texas homeowners policies carry a separate deductible for wind, hail, or named-storm losses, typically expressed as a percentage of the Coverage A dwelling limit (commonly 1%, 2%, or 5%). A $400,000 home with a 2% wind/hail deductible has an $8,000 deductible for wind and hail claims. The “all other perils” deductible (for fire, theft, etc.) is usually a separate flat dollar amount. We walk you through both before binding so there are no surprises after a storm.
Can you help if my insurer dropped or non-renewed me?
Yes, often. Texas has seen significant non-renewal activity over the last several years, especially after storm seasons and in older homes or homes with claim history. We work with specialty and surplus lines carriers that handle non-renewed homes, post-claim placements, and harder-to-write properties. Send us your non-renewal letter and any claim history and we’ll show you what’s available.
Does my homeowners cover my home-based business?
Usually not, or only with significant limits. Standard homeowners policies typically have very small sub-limits for business property and may exclude business-related liability claims entirely. If you operate a business from home, even a side business, you likely need a home-based business endorsement, a small Business Owners Policy (BOP), or both. We can review your situation and explain the options.
What about jewelry, guns, art, and collectibles?
These categories typically have sub-limits in your standard homeowners policy that are much lower than the actual value of the items. For example, jewelry might be sub-limited to $1,500 to $2,500 total for theft. The solution is a “scheduled personal property” endorsement (sometimes called a personal articles floater) that lists specific items with their appraised values. This usually broadens coverage and often eliminates the deductible on those items.
How often should I review my homeowners coverage?
At least annually at renewal, and whenever you make a significant change to the home, such as a renovation, addition, new high-value purchase, swimming pool, or a major life event like getting married. Building costs and rebuild values have risen significantly in many Texas markets, and a policy from a few years ago may be insuring the home for far less than it would actually cost to rebuild today. We do these reviews as part of being your broker.
Related coverage
What pairs with homeowners.
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