Get fast, free home insurance quotes in moments!
Get Competitive Home Insurance Quotes now and save!
Compare Rates Within Minutes!
- Complete 1 short quote form
- Compare rates from top insurers
- Save time & money!
Texas Home Insurance
Texas home insurance provides the necessary property damage protection for you home with the most basic policy. There are several different policies to choose from, but only two popular ones for single family homes. The basic policy, called the HO-2 policy, provides coverage for damages caused by fire, smoke, vehicle damage, aircraft damage, water overflow from water heaters and air conditioners, theft, vandalism, explosions, and damages caused by riots. The broad HO-2 policy offers coverage for these perils and then some, as well as bodily injury liability. If you or anyone has an accident on your property, this coverage would pay medical expenses up to a certain amount and take care of settlements.
Texas Home Insurance Rates
Texas home insurance rates rise due to disasters, but the real increase comes from frequent storm damages. In Texas, with the varied geography, many perils can occur that drive the rates up, including thunderstorms, hailstorms, high winds, heat, tornados, and hurricanes. If you live in an area that might flood, you must purchase additional flood insurance, as Texas home insurance does not cover flood damages. To see a list of what will not be covered, review the “exclusions” section of your Texas homeowners insurance.
Many Texas homeowners find their premiums to be too high. The majority of insurance companies offer discounts when you make some basic improvements to your home. For instance, homeowners can receive discounts from installing storm shutters, reinforcing a roof, using higher grade shingles, and installing an alarm system. If you want to decrease your home owners insurance by a few hundred dollars, you may consider increasing your deductible. As most prudent homeowners know, shop around before buying your Texas home insurance.
For other Texas Insurance Resources, See:
- Texas Auto Insurance
- Texas Health Insurance
- Dallas Home Insurance
- Fort Worth Home Insurance
- Houston Home Insurance
- San Antonio Home Insurance
Connect With Texas Home Insurance Agents Now By Filling Out the Quick Form At The Top Of This Page.
USInsuranceOnline provides referrals to home insurance agents so consumers can compare prices and save money.