Home Insurance in Texas
Protect the home you have worked hard to build.
From the structure itself to your belongings and personal liability, the right homeowners policy can help you recover from a covered loss. Tran & Lee Insurance Agency helps Texas homeowners understand the details before choosing coverage.
Home insurance, explained clearly
Texas law does not generally require homeowners insurance, but a mortgage lender may require it. A home policy can combine several important protections in one contract. The exact causes of loss, limits, deductibles and exclusions vary, so it is important to review the actual policy instead of assuming every policy is the same.
Dwelling
Helps repair or rebuild the insured home after a covered loss, subject to policy limits and terms.
Personal Property
Helps cover furniture, clothing, electronics and other belongings damaged or stolen in a covered loss.
Other Structures
May cover detached structures such as a fence, garage, shed or gazebo.
Loss of Use
May help with additional living expenses when a covered loss makes the home uninhabitable.
Personal Liability
Can help if you are legally responsible for covered injury or property damage to another person.
Medical Payments
May pay limited medical expenses when a guest is injured on your property, regardless of fault.
Choices worth reviewing
We can help you review replacement-cost versus actual-cash-value settlement, dwelling and personal-property limits, wind or hail deductibles, water-backup options, scheduled valuables, equipment breakdown, identity-fraud options and personal umbrella coverage when available. If the home is rented to others, vacant, under construction or used for business, tell us so we can discuss the appropriate type of policy.
A few details help us review the right options.
- Property address and occupancy
- Approximate year built, square footage and construction type
- Roof age and major system updates
- Mortgage information, if applicable
- Current policy declarations and prior-loss information
- Desired limits, deductibles and special belongings to protect
Frequently asked questions
Does home insurance cover every type of damage?
No. Policies cover specified risks and contain conditions and exclusions. Flooding, wear and tear, pests and maintenance problems are common examples of losses that may not be covered.
How much dwelling coverage do I need?
Dwelling coverage is generally based on the estimated cost to rebuild, not the home's market value. Construction features and local rebuilding costs matter. Your lender may also have requirements.
Can I combine home and auto insurance?
Many insurers offer multi-policy options, but availability and savings vary. We can compare the combined cost and coverage with separate-policy alternatives.
Should I make a home inventory?
Yes. Photos, video, receipts and serial numbers can help document your belongings after a loss. Store a copy securely away from the home or in protected cloud storage.
Request a Texas home insurance quote.
Our Houston team will help you understand available coverage and next steps.
Coverage disclaimer: General information only. Coverage is subject to the issued policy's terms, limits, deductibles, conditions and exclusions. Availability, eligibility and pricing vary by insurer, property and applicant.