Home & Property Insurance in Texas

Texas home insurance including the homes others won't cover.

Aimbest is an independent Texas brokerage that helps homeowners, renters, and landlords protect what they own. From standard homeowners to flood, coastal exposure, and hard-to-place properties – we shop the market and find the right fit.

🏠 Get your free home & property quote

Tell us what you need to cover – a licensed Texas advisor follows up. No obligation.
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Trusted by Texas homeowners since 1983
Independent Texas brokerage

Serving Texas homeowners since 1983

Dedicated Texas advisor

One point of contact, not a call center

Multi-carrier comparison

We shop the market for your fit

Texas-specific expertise

Flood, wind, hail, coastal exposure

Coverage we place

9 lines of home & property insurance - all under one Texas brokerage.

Click any coverage to see what’s protected, who it’s for, and how to get a quote. Whether you own, rent, or invest in property, we structure coverage that fits.

Homeowners Insurance

Protects your home and belongings against fire, theft, and natural disasters, plus personal liability.

For homeowners
Renters Insurance

Covers your personal property and liability when renting a home or apartment.

For renters
Landlord Insurance

Provides protection for property owners renting out residential spaces.

For rental property owners
Condo Insurance

Protects your condominium unit, personal belongings, and liability exposure.

For condo owners
Flood Insurance

Provides coverage for property damage caused by flooding and water overflow.

Required in many Texas zones
Earthquake Insurance

Covers structural damage and losses from seismic activity or ground movement.

Specialty coverage
Mobile Home Insurance

Offers protection for manufactured or mobile homes from theft and damage.

For manufactured homes
Vacant Property Insurance

Safeguards empty or unoccupied properties against vandalism and accidents.

For unoccupied homes
Personal Property Insurance

Covers your valuable belongings inside your home or anywhere in the world.

High-value items
Property types we cover

Every kind of Texas property.

Different properties face different risks – from coastal homes to rural ranches to downtown condos. We’ve structured property coverage across Texas for decades.
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Single-family homes

Owned, occupied, primary residence – urban, suburban, rural.

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Coastal & Gulf properties

Wind, hail, and hurricane-exposed homes along the Texas coast.

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High-value homes

Custom builds, larger estates, and properties needing higher limits.

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Condos & townhomes

HOA-managed units, ground-up condos, urban townhomes.

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Rental & investment property

Single-family rentals, duplexes, small multi-family portfolios.

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Older & historic homes

Homes with age, renovations, or features that need specialty placement.

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Mobile & manufactured

Manufactured homes on owned or rented land across Texas.

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Vacant & in-transition

Inherited, between tenants, under renovation, or for sale.

When others won't cover your home

We help the homes others turn down.

Health insurance is one of the most confusing things to buy. After 43 years, we’ve made it straightforward for Texans – by being independent, multi-carrier, and on your side.
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Flood zones & coastal exposure

Gulf-coast homes, designated flood zones, hurricane-prone areas.

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Wind, hail & weather risk

Roof-age concerns, prior weather claims, hail-belt properties.

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Homes dropped or non-renewed

If your carrier won’t renew or dropped you, we can often help.

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Older homes & specialty builds

Age, materials, renovations, or features standard carriers reject.

1983

Independent and serving Texas homeowners ever since

9

Distinct home & property coverage lines

Top

Access to A-rated national & specialty carriers

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Dedicated advisor for your whole property portfolio
How it works

From first call to covered home - four steps.

1
Tell us about your property

A few details about what you’re insuring. We listen first – no pressure.

2
We shop the market

We compare top-rated and specialty carriers to find the right fit and price.

3
You see your options
Coverage, limits, and costs explained in plain language – you choose.
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Ongoing support
Bind your policy and keep a real Texas advisor on call for claims and renewals.
Common questions

Home insurance in Texas, answered.

Is homeowners insurance required in Texas?
Texas doesn’t legally require homeowners insurance, but if you have a mortgage your lender will require it. Even without a mortgage, most homeowners carry coverage because the cost of rebuilding without it is catastrophic. We’ll walk you through the right level of protection for your situation.
No – standard homeowners insurance specifically excludes flood damage, which is one of the biggest gaps Texas property owners face. Flood coverage is a separate policy, often through the National Flood Insurance Program (NFIP) or specialty private carriers. We can place either, depending on your zone and needs.
Texas faces some of the highest weather-related claim costs in the country – hail, hurricanes, severe storms, and floods all drive up premiums. Roof age, claim history, and your ZIP code’s risk profile all play a role. Because we compare multiple carriers, our job is to find the best fit for your specific situation, not just the cheapest sticker price.

Often, yes. Non-renewal is common in Texas – especially after weather claims or in coastal areas – and we work with specialty carriers built for exactly these situations. If you’ve been non-renewed or had a hard time finding coverage, it’s worth talking to us.

Timing depends on the property type and how complete your information is. Standard homeowners and renters quotes can move quickly; specialty or hard-to-place properties take longer. Your advisor will give you a realistic timeline at the start.

Yes – many homeowners come to us at renewal time. Bring your current policy and we’ll review your coverage, limits, deductibles, and any gaps, then compare alternatives across carriers. No obligation to switch.
Beyond home coverage

The rest of what we cover.

Many Texas drivers consolidate their home, health, and business coverage with us – one independent brokerage, one advisor, everything in one place.

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Auto Insurance

Personal auto, classic cars, high-risk SR-22, RVs, motorcycles, and marine.

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Health Insurance

Individual, family, and group health plans - plus dental, vision, and life.

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Business Insurance

General liability, commercial property, workers' comp, cyber and more.

Let's protect what's yours.

Get a free, no-obligation home and property quote – or call and talk it through with a real Texas advisor.