Homeowners Insurance

Homeowners insurance protects your home, your belongings, and your finances when the unexpected happens. As an independent agency, we shop multiple carriers to find the right coverage at the right price for you.

A standard homeowners policy typically covers:

• Dwelling damage — fire, windstorms, lightning, and hail
• Personal property — furniture, electronics, clothing, and more
• Liability protection — if someone is injured on your property
• Additional living expenses — if you're displaced after a covered loss

Coverage for dog bites, swimming pool liability, trampolines, and manufactured homes can also be added. We'll make sure you have everything you need.

This is where many homeowners are caught off guard. Common exclusions include:

• Flood damage — requires a separate flood insurance policy
• Sewer or septic backup — requires a special endorsement
• Surface or groundwater damage — typically excluded
• Jewelry and valuables — covered only up to set limits; a scheduled endorsement provides fuller protection

Important: Many policies default to actual cash value, which pays what your item is worth today, not what it costs to replace it. Replacement cost coverage pays the full replacement value. We help you understand the difference before you file a claim.

Almost every type of home can and should be insured:

• Single-family homes (frame or concrete block)
• Condos and townhouses
• Manufactured and mobile homes
• Secondary and seasonal homes
• Homes you rent to others

Independent agents work for you, not for one insurance company. That means:

• We compare coverage and pricing across multiple top-rated carriers
• We tailor your policy to your specific home and lifestyle
• We're here when you need to file a claim — not just when you buy
• We can bundle your home and auto (and other policies) for additional savings

Recent industry research shows that most homeowners have significant coverage gaps, particularly with umbrella liability, valuables, and flood. We make it our job to find yours before a loss does.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your personal policy.

Contact us today, and we'll help you protect what matters most.

Updated June 2026 by Christy Hogan

1. What information is needed to get a homeowners insurance quote?

Getting a homeowners insurance quote usually starts with some basic details about your home, including its age, size, construction type, and location. Information about recent updates, renovations, security systems, or other safety features can also help provide a more accurate quote. If you’re purchasing a home in Houston, TX, our team is happy to help you explore your coverage options and find a policy that fits your needs.

2. Does homeowners insurance cover damage from heavy rain?

Homeowners insurance may help cover water damage caused by heavy rain when the damage results from a covered event, such as wind damaging your roof and allowing water to enter your home. However, damage caused by flooding from rising water is typically not covered under a standard homeowners insurance policy. With Houston’s heavy rain and storm risks, it’s important to review your policy and understand what water-related coverage is included. Our agency can help you explore your options and make sure you have the protection you need.

3. Can I switch homeowners insurance companies?

Yes. You can typically switch homeowners insurance companies at almost any time, but it’s important to have your new policy active before canceling your current coverage to help avoid a lapse in protection. Reviewing your options periodically can help ensure your policy still meets your needs and provides the right coverage for your home. Homeowners in Houston, TX can contact our agency for help comparing coverage options and finding a policy that fits their situation.

4. What happens if someone steals items from my home?

If your belongings are stolen during a covered theft, homeowners insurance may help pay to repair damage to your home and replace stolen personal property, up to your policy limits. Keeping a home inventory with photos, receipts, and details about your belongings can help make the claims process easier if you experience a loss. Homeowners in Houston, TX can review their coverage with our agency to better understand their protection against theft and other unexpected events.

5. How can I protect my home from insurance claims?

Regular home maintenance, routine inspections, and addressing small problems before they turn into major repairs can help reduce the risk of unexpected damage. Homeowners in Houston, TX may also benefit from installing protective devices such as smoke detectors, security systems, and water leak detection systems. Taking proactive steps to protect your home can help prevent losses and keep your property better prepared for the unexpected.

6. Does homeowners insurance cover damage caused by pets?

Most homeowners insurance policies include personal liability coverage that may help protect you if your pet injures someone else. However, some policies may have restrictions or exclusions based on the type of pet, breed, or specific circumstances. Damage your pet causes to your own home or personal property is generally not covered. Homeowners in Houston, TX can review their policy with our agency to better understand how pet-related incidents may be handled.

7. Why should I review my policy after buying expensive items?

Purchasing valuable items such as jewelry, artwork, electronics, collectibles, or other high-value possessions may change your insurance needs. Reviewing your homeowners insurance policy can help ensure these belongings have the protection they deserve and that any coverage limits are appropriate. Homeowners in Houston, TX can contact our agency to discuss their options and determine whether additional coverage or endorsements may be needed.

8. What is the easiest way to understand my homeowners insurance coverage?

Your homeowners insurance policy contains important details about what is covered, your deductibles, exclusions, and coverage limits. Understanding these details can help you feel more confident about your protection and know what to expect if you need to file a claim. Homeowners in Houston, TX can reach out to our team with questions, and we’re happy to explain your coverage in clear, easy-to-understand terms..

9. Does homeowners insurance protect other structures on my property?

Yes. Many homeowners insurance policies include coverage for detached structures such as sheds, detached garages, fences, gazebos, and other structures located on your property. Coverage limits can vary depending on your policy, so it’s important to understand what is protected and whether your current coverage is enough. Homeowners in Houston, TX can contact our agency to review their policy and better understand their coverage options.

10. How can an insurance agent help me choose homeowners insurance?

Choosing homeowners insurance involves more than just comparing prices. An experienced insurance agent can help you understand your coverage options, identify available discounts, and select a policy that fits your home, belongings, and personal needs. Homeowners in Houston, TX can count on our team to help review their options and find the right protection for their home and everything in it.

11. Does homeowners insurance cover tornado damage in Houston, TX?

Homeowners insurance typically helps cover damage caused by tornadoes, including damage to your home’s structure, personal belongings, and other covered property. Coverage may help pay for repairs or rebuilding after a tornado, depending on your policy limits and deductible. It’s important to review your coverage before severe weather occurs to make sure your home is properly protected. Homeowners in Houston, TX can contact our agency to discuss tornado coverage and understand what protection their policy provides.