Homeowners insurance · Texas
Homeowners insurance that fits a Texas home
First home or forever home, we compare options from multiple carriers and walk you through what your policy actually covers, before you need it.
TexPro Insurance is an independent insurance agency based in Houston, Texas, licensed in Texas only, serving clients across the state with property and casualty coverage.
What it covers
What a homeowners policy can include
Coverage varies by carrier and policy form. Here’s what we typically review with you.
Dwelling (Coverage A)
The structure of your home, typically valued at the cost to rebuild it.
Other structures (Coverage B)
Detached garages, sheds and fencing on your property.
Personal property (Coverage C)
Furniture, clothing and other belongings, with sub-limits on certain items.
Loss of use (Coverage D)
Additional living expenses if a covered loss makes your home unlivable.
Personal liability (Coverage E)
Claims from injuries or damage to others where you may be responsible.
Medical payments (Coverage F)
Smaller medical bills for guests hurt on your property, regardless of fault.
General summary only. The actual policy language controls, and all coverage is subject to underwriting approval.
Who it’s for
Is this you?
- First-time buyers who need coverage in place before closing
- Homeowners whose renewal premium jumped and want a second look
- Owners of older Houston homes with unique rebuild needs
- Families adding a pool, trampoline or new addition
- Anyone unsure whether they’re insured at replacement cost
Texas homes, Texas weather
- Many Texas policies carry a separate wind and hail deductible, often written as a percentage of your dwelling limit. Check yours before storm season.
- Flood is typically excluded from homeowners policies. A separate flood policy is needed for rising-water damage.
- Optional coverages such as water backup, foundation, service line and extended replacement cost vary by carrier, which is why comparing carriers matters.
How TexPro helps
Advice first. Then the quote.
We start with your situation
What you own, what you drive, what you’d stand to lose. Coverage is built around that, not a template.
We shop multiple carriers
We compare coverage, limits, deductibles and price across carriers, and show you the differences side by side.
We stay with you
Changes, renewals, certificates and claims questions. You call the same Houston team that set up your policy.
FAQ
Frequently asked questions
Do I need flood insurance in Houston?
Most standard homeowners policies exclude flood. FEMA notes that flooding can occur outside high-risk zones, so a separate flood policy (often through the NFIP or a private market) is how rising-water damage is typically covered. Coverage depends on your policy.
What’s the difference between replacement cost and market value?
Replacement cost is what it would take to rebuild your home with similar materials. Market value is what it would sell for, which includes land and local market conditions. Homeowners policies are generally built around the cost to rebuild.
Does homeowners insurance cover flooding?
Typically not. Flood damage from rising water is usually excluded, and coverage comes from a separate flood policy. We can help with both.
What items have limited coverage?
Most policies limit theft or loss coverage for items such as cash, jewelry, firearms, silverware and business property. Higher-value items can often be scheduled separately.
When should I shop my homeowners policy?
A good time is at renewal, after a premium change, or after a major change such as a renovation or new purchase.
Related coverage
Often reviewed together
Ready to review your home coverage?
Tell us what you need protected. A licensed TexPro agent will compare options from multiple carriers and walk you through them.