The right homeowners insurance helps protect your house, your belongings, and your finances. Texas homes face hailstorms, high winds, tropical storms, and flooding, so it pays to know what your policy covers before you need to file a claim.
Shopping for homeowners insurance in Texas? Knowing how a policy works, and where it stops, helps you choose with confidence. A Blue Peak advisor can help you review your coverage, deductibles, and options for wind, hail, and flood.
Every Texas home is different, from a brick ranch in the Hill Country to a raised home near the coast. Blue Peak helps you understand your options and find coverage that fits.
Dwelling coverage helps pay to repair or rebuild your house after a covered loss. Base your limit on what it would cost to rebuild your home, not its market value or sale price.
Personal property coverage helps protect your furniture, clothing, and other belongings. Policies often set this limit as a percentage of your dwelling coverage and may cap payouts for items like jewelry and art.
If a covered loss forces you to move out during repairs, this coverage can help pay extra costs such as rent and meals. It is often limited to a share of your dwelling coverage.
Liability coverage can help pay for injuries or property damage you are legally responsible for, including court costs if you are sued. Terms, exclusions, and limits apply.
A licensed Blue Peak advisor can walk you through your coverage options and help you request a quote for your home.
Texas weather can be hard on homes. Hailstorms, strong winds, and hurricanes are part of life in much of the state, and they shape how homeowners policies here are written.
Before you choose a policy, check how it handles these risks and what you would pay out of pocket after a storm.
In most of Texas, wind and hail damage is usually covered by a homeowners policy, but the deductible for those claims may be different from your other deductibles. Check how yours is set before storm season.
Along the coast, homeowners policies might not cover wind and hail. Many coastal homeowners get that coverage through the Texas Windstorm Insurance Association (TWIA). To qualify, you generally need a denial from a private insurer and a building code inspection, and TWIA will not sell a policy while a hurricane is in the Gulf.
Most homeowners policies do not cover flood damage. Flood coverage is available through the National Flood Insurance Program or a private insurer, and most flood policies have a 30-day waiting period. Learn more about flood insurance.
Insurers look at many details when pricing a Texas homeowners policy. Common factors include:
The Texas Department of Insurance (TDI) licenses the insurers and agents that sell homeowners insurance in Texas. If you have a question about a claim or a company, TDI's consumer services team can help, and you can confirm any agent's license on the Texas Department of Insurance website.
Texas has some of the most active weather in the country, with hailstorms across North Texas, hurricanes and tropical storms on the Gulf Coast, flash flooding in Houston and the Hill Country, and hard freezes like the February 2021 winter storm. Homes in many coastal counties need separate windstorm coverage through the Texas Windstorm Insurance Association (TWIA), and hail deductibles are often a percentage of the dwelling limit.
Blue Peak works with homeowners in Houston, Dallas, San Antonio, Austin, Fort Worth and El Paso, as well as smaller towns across Texas. Our advisors compare options from multiple carriers and explain how Texas rules apply to your homeowners insurance before you decide.
Texas law does not require homeowners insurance, but if you have a mortgage, your lender will require it. Lenders for homes on the coast will likely require windstorm coverage as well.
Your price depends on your location, rebuild cost, roof, home age and construction, coverage limits, deductibles, and claims history. A quote is the best way to see pricing for your home.
In most of Texas, wind and hail are usually covered, though they may have a separate deductible. Near the coast, policies might exclude wind and hail, so you may need a separate windstorm policy, such as one through TWIA.
Usually not. Most homeowners policies exclude flood. You can buy flood insurance through the National Flood Insurance Program or a private insurer. Most flood policies have a 30-day waiting period, so plan ahead.
Have your property address, year built, square footage, roof age, construction type, current policy and renewal date, and any recent claims. If you are not sure about something, a Blue Peak advisor can help.
Your home deserves coverage that fits its value, your belongings, and the risks where you live. Whether you are buying a new policy or reviewing the one you have, comparing options helps you choose with confidence.
Review your limits, deductibles, and wind, hail, and flood coverage. Then choose a policy that fits your budget. Learn more about our home insurance and flood insurance options.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Texas is regulated by the Texas Department of Insurance (TDI). Texas consumers can also get help from the Office of Public Insurance Counsel, which represents consumers on insurance matters.
Before you buy any policy, you can confirm that an agent or agency holds an active Texas license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Texas.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
