Texas Homeowners Insurance: What Buyers Should Compare

Homeowners insurance is one of the largest address-specific costs in a Texas housing budget. Roof age, construction, claim history, coverage limits, deductibles and exposure to wind, hail, wildfire or coastal weather can affect price and availability.

Compare coverage as well as price

Review dwelling, other structures, personal property, additional living expenses, liability and medical-payment limits. Ask whether the roof and personal property settle at replacement cost or actual cash value.

Convert percentage deductibles into dollars

A percentage wind or hail deductible commonly applies to the dwelling limit, not the repair bill. A lower premium can simply transfer more risk to the homeowner. Keep enough liquid savings to cover the largest plausible deductible.

Flood and coastal wind are separate questions

Standard homeowners policies generally exclude flooding. Coastal properties may also need a separate wind arrangement. Obtain address-specific quotes before important contract deadlines expire.

Quote-comparison checklist

• Use identical coverage limits.
• Compare every deductible in dollars.
• Review roof, water and cosmetic-damage terms.
• Confirm exclusions and endorsements.
• Check the insurer and agent through the Texas Department of Insurance.