Complete your Texas Homeowners Insurance file
Answer only the exact underwriting questions Texas carriers need to generate a real, bindable rate—plus upload your current dec page if handy.
Zero duplicate typing
Personal & Property • Licensed Texas Agency
Compare Texas Homeowners Insurance Quotes (HO-3 / HO-5 / HOA)
Texas roofs, clay-soil slab foundations, and Gulf storms demand smarter underwriting. Compare replacement-cost Texas home insurance across 30+ admitted and specialty carriers in one guided intake.
✓ Replacement Cost Dwelling
✓ Mortgage Escrow Ready
✓ Hail & Coastal Options
30+ Texas Carriers Compared
Quote Texas Homeowners Insurance
Enter your 5-digit Texas ZIP code to launch our guided Texas Homeowners Insurance intake—zero duplicate typing.
Want to bundle another policy? Select multiple coverages in one intake →
Roof Settlement Clarity
Compare Replacement Cost Value (RCV) vs. Actual Cash Value (ACV) roof schedules side by side before you bind.
Texas Slab & Water Protection
Add sudden plumbing/slab leak access, water/sewer backup, and buried service line endorsements.
Same-Day Closing Binders
Direct Evidence of Insurance (EOI) delivery to your mortgage lender and title company for fast Texas closings.
What Texas Homeowners Insurance covers — and Texas rules to watch
Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.
Core Protections
What’s Covered
- Dwelling Reconstruction (Coverage A): Rebuilds your home's structure, framing, roof, and attached garage at estimated Texas construction cost—not fluctuating land value.
- Other Structures & Fencing (Coverage B): Protects detached garages, workshops, storage sheds, gazebos, and perimeter fences.
- Personal Property Replacement Cost (Coverage C): Replaces furniture, electronics, appliances, and clothing at new retail cost rather than depreciated garage-sale value.
- Additional Living Expense / Loss of Use (Coverage D): Pays hotel, temporary rental house, and extra meal expenses while your home is uninhabitable after a covered claim.
- Personal Liability & Guest Medical (Coverages E & F): Covers legal defense and bodily injury judgments ($300,000–$500,000+) if a visitor or delivery worker is injured on your property.
- Texas Endorsement Suite: Optional Sudden Water Discharge, Foundation Access, Equipment Breakdown, Scheduled Jewelry, and Identity Fraud coverage.
Texas Underwriting Watch-Outs
Exclusions, Deductibles & Endorsements
- Percentage Wind & Hail Deductibles: Most Texas carriers apply a percentage wind/hail deductible (1%, 2%, or 3% of Coverage A). On a $400,000 dwelling, a 2% deductible equals $8,000 out of pocket—always compare deductible structures, not just headline premium.
- Roof Age & Cosmetic Metal Exclusions: Roofs over 10–15 years old in DFW, Austin, and San Antonio may default to Actual Cash Value (ACV) or carry cosmetic hail exclusions unless matched with roof-friendly carriers.
- Flood & Surface Water Are Excluded: Standard homeowners policies never cover rising floodwaters or storm surge; pair with an NFIP or private Texas Flood policy.
- Tier 1 Gulf Coast Windstorm Split: In Texas's 14 coastal counties and parts of Harris County east of Hwy 146, carriers often exclude wind/hail—requiring a companion TWIA or coastal windstorm policy.
- Slow Seepage vs. Sudden Pipe Burst: Gradual plumbing seepage over weeks or earth movement/settling is excluded unless specific Texas water/foundation endorsements apply.
How We Shop Your Rate
One 3-minute intake. 30+ Texas carriers competing.
Skip repeating your details to five captive websites. Complete one structured Texas underwriting file and compare real bindable options.
Licensed Texas agent shops the panel
A licensed producer compares admitted and specialty underwriters for your exact Texas county, deductible preferences, and multi-policy discounts.
Soft inquiry • Never hurts credit
Bind & receive official proof
Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.
All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
+ 25 More Markets — Start Quote
Bundle & companion Texas coverages
Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.
Smart Texas Pairing
Auto + Homeowners Bundle
Combine your household vehicles with your Texas home policy for up to 25% multi-policy savings.
Smart Texas Pairing
Texas Flood Insurance
Over 25% of Texas flood claims happen in low-to-moderate Zone X neighborhoods—quote NFIP and private flood side by side.
Smart Texas Pairing
Personal Umbrella ($1M–$5M)
Crucial excess liability protection for Texas homeowners with swimming pools, teen drivers, or rental assets.
Texas Homeowners Insurance — Frequently asked questions
Answers to the most common Texas statutory, lender, and underwriting questions.
Coverage A is based on 100% reconstruction cost—square footage, story count, exterior masonry/brick, roof type, and interior finish grade—excluding land value. Under-insuring below 80% of replacement cost can trigger coinsurance penalties on partial losses.
Replacement Cost Value (RCV) pays the current cost to replace hail-damaged shingles minus your deductible, whereas Actual Cash Value (ACV) subtracts age and wear depreciation first. Newer architectural or Class 4 impact-resistant roofs qualify for both RCV and hail credits.
Yes. Provide your loan officer or title closer's email and mortgagee clause during intake, and our Texas producers deliver compliant Evidence of Insurance and escrow invoices for closing.
In designated Tier 1 coastal territories, many standard HO-3 carriers exclude wind and hail. We quote wind-excluded HO-3 policies paired seamlessly with TWIA or private coastal windstorm coverage.
Yes. UL-certified central station burglar/fire alarms, automatic water shutoff valves, and UL 2218 Class 4 impact-resistant roofing earn substantial Texas underwriting credits.