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Personal & Business Insurance Solutions in Texas
Homeowners Insurance in Texas
Homeowners insurance for Texas homeowners covers repairs to the dwelling and other structures, personal belongings, and liability after a covered loss. It does not cover flood damage from rising water or storm surge. The dwelling limit, personal property limit, liability limit, and deductibles in the declarations determine the amount available after a loss.
Independent insurance advice for families and businesses — we shop leading carriers to find the right coverage, and stay in your corner when you need us.
Written and reviewed by Steve White, Owner, NPN License#: 19284005 · Initially published September 22, 2026
Overview
What Homeowners Insurance Covers in Texas
Dwelling, belongings, liability, and living expenses
Homeowners insurance is a package policy that pays to repair or rebuild your house after a covered loss, replaces or repairs personal property inside it, covers your legal liability if someone is injured on your property, and helps pay additional living expenses if the home becomes uninhabitable. It does not cover flood damage from rising water or storm surge; that requires a separate flood policy.
In Texas, that package matters because hail, straight-line wind, and tornadoes routinely damage roofs, siding, and windows, and a single severe-weather season can leave a house unlivable until repairs are finished. A standard homeowners policy is built to address those named perils and the liability exposure that comes with owning a home, within the limits and deductibles you select.
- Carriers represented
- 13
- Serving the community
- 20 yrs
Source: Steve White Insurance Group
Source: Steve White Insurance Group
- 1
Set your dwelling and liability limits
Choose a dwelling limit that can rebuild your home at current Texas construction costs, not just its market value, and pair it with liability limits that match your assets and risk. Higher limits may raise your premium, but too-low limits leave you short if a fire, storm, or lawsuit exceeds what the policy pays.
- 2
Pick deductibles you can actually pay
A higher deductible can lower your premium; a lower one means less out of pocket after a claim. In Texas, many policies use a separate wind/hail deductible (often a percentage of dwelling coverage), so weigh storm exposure against cash you can spare before the carrier pays.
- 3
Add the endorsements that fill real gaps
Standard homeowners insurance does not cover floods and may cap water backup, jewelry, or ordinance-or-law costs. Water backup, scheduled personal property, and extended replacement cost can close those holes; each add-on may increase cost, so match them to your home and belongings rather than buying every option.
Why Work With Steve White Insurance Group
One advocate, 13 carriers in Texas
Steve White Insurance Group is an independent agency, so we shop your homeowners insurance across 13 carriers—including AIG, Allstate, AmTrust North America, Centauri, Chubb, Encompass, Germania, National General, Nationwide, Progressive, The Hartford, Travelers, and Universal North America—instead of locking you into a single company’s menu.
With 20 years serving Texas, we compare limits, deductibles, and wind or hail options side by side and stay on your side of the table when you need to file a claim—one local contact, not a rotating call-center queue.
That choice and continuity can matter when Texas weather or a liability claim puts pressure on your policy; call (214) 865-9966 for a free, no-obligation homeowners quote.
Does Texas homeowners insurance cover flood damage?
No. A standard homeowners policy does not cover flood damage from rising water, storm surge, or overflow. Flood protection is a separate policy, often through the National Flood Insurance Program or a private flood market. If you live near a bayou, lake, or mapped flood zone in Texas, Steve White Insurance Group can help you review whether flood coverage belongs alongside your homeowners policy.
Are hail and windstorm claims common, and how do deductibles work?
Hail and wind are frequent Texas risks, and many policies apply a separate percentage deductible for wind or hail rather than your flat all-peril deductible. That percentage is based on your dwelling limit, so the out-of-pocket amount can be higher after a major storm. An independent agent at Steve White Insurance Group can walk you through deductible options across carriers such as Progressive, Travelers, Nationwide, and Germania so you understand the trade-off before you buy.
Do I need homeowners insurance if my mortgage is paid off?
Lenders usually require homeowners insurance while a mortgage is in force, but the coverage is still useful after the loan is paid because it protects the structure, your personal property, and liability if someone is injured on your property. Without a policy, repair costs and lawsuits fall on you. Whether a given risk or limit fits your situation depends on your home, your assets, and the carrier.
What does a standard Texas homeowners policy not cover?
A typical HO-3-style policy covers sudden and accidental damage to the dwelling and other structures, personal property on a named-peril basis, loss of use, and personal liability—subject to your limits and deductibles. It does not cover flood, earthquake, wear and tear, poor maintenance, or intentional damage. Endorsements or separate policies may address some of those gaps depending on the carrier and your risk.
How does filing a claim work when I buy through an independent agency?
You report the loss to the carrier and can also contact Steve White Insurance Group so we can help you understand next steps, documentation, and adjuster timing. We work for you, not the insurer, and can compare how carriers such as Allstate, Chubb, The Hartford, and Universal North America handle service—but claim payment and outcome still depend on your policy language and the facts of the loss. Quotes remain free and no-obligation if you are still shopping.
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Contact details
- 2221 Justin Rd , Ste 119-448, Flower Mound, TX, 75028
- (214) 865-9966
- steve@stevewhiteinsurance.com
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Editorial standards
Written and reviewed by Steve White, Owner, NPN License#: 19284005, Steve White Insurance Group.
Steve White is an experienced independent insurance agent specializing in personalized coverage solutions, risk evaluation, and multi‑carrier underwriting. He operates stevewhiteinsurance.com, serving clients across Highland Village and the greater DFW area with fast, precise, and highly structured guidance. His expertise includes home, auto, commercial, and specialty insurance lines, with a focus on clarity, efficiency, and long‑term protection strategies. Outside of his insurance practice, Steve is deeply involved in youth baseball, fishing, travel planning, and cooking. He is known for a direct, fast‑paced communication style and a preference for organized, actionable workflows.
Published September 22, 2026. See our editorial process. How we use AI.