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Buying a Home In Texas Soon? Texas Insurance is WAY different than you think… (Here’s the scoop)
Homeowners insurance in Texas protects the dwelling and personal property for buyers acquiring homes in the state. This insurance does not cover damage caused by sewer backups flooding the interior. Declarations pages list required deductibles that apply to wind and hail losses under state guidelines.
Written and reviewed by Steve White, Owner, NPN License#: 19284005 · Initially published September 25, 2026
Homeowners Insurance in Texas
(What you should know BEFORE you buy your next policy)
Not Knowing These Differences Cost This Austin Family $60,000
Not Knowing These Differences Cost This Austin Family $60,000
(It shouldn’t have)
**Backup Sends 8,000 Gallons of Raw Sewage Gushing Into Home**
Make no mistake about it, whether it’s coverage, pricing, mandatory exclusions, deductible requirements, or dollar caps, homeowners insurance in Texas is different. WAY different.
Understanding those difference will save you at claims time.
This may sound daunting, but trust me, you need to know this BEFORE you buy a policy. The time to find out what you have is not when you have raw sewage spewing in your home.
I know that’s harsh, but it’s true. Knowing and acting now save pain and money later.
Before we take the leap, a quick disclaimer:
You should know we can’t address all the ways that Texas policies will vary.
Much of the list is always changing, which makes it impossible to capture it all.
So, today, we’re only focusing on the MAJOR differences.
let’s jump right in…
let’s jump right in…
The major differences revolve around water damage.
Here’s How:
—>Texas homeowners insurance has 5 different types of water damage <—
Read that again, It’s THAT IMPORTANT!!!
In most States it’s 4, the 5th type (continuous and repeated) is almost exclusively unique to Texas.
I’m betting you didn’t know that there were 4 much less 5 types of water damage, right?
Think about that, before you read that, (if you’re like most) you likely had no idea that homeowners insurance in Texas had that many types.
In fact, if you’re like many people, you might have a question like “does my policy cover flood damage?”
And, you might be thinking that “flood” means type of water that damages your house.
I don’t blame you for thinking that (I did 20 years ago), but you couldn’t be more wrong.
“Flood,” has a VERY specific definition and it’s EXCLUDED.
There are other types like “sudden and accidental,” and “backup of sewers.”
(I don’t drill down on them here, but when you’re ready to learn more, be sure to check out my free E-book)
“3 Nasty Surprises,” below.
Tying it all together (5 Types Below)
Unless you’re a licensed insurance professional, knowing all the differences is a near impossible task, but knowing enough to know that there ARE difference and what a few of the major differences will forever help you make a better decision about your homeowners insurance in Texas.
The State of Texas even put together a website to outline them (bet you didn’t know that either…)
–> OPIC | Texas Home Insurance Comparison Tool <–
Or you can check out the 5 types of water damage here:
What can you do know that you know this?
I know this seems like a lot, but we can help you sort it all out.
Whether it’s us or another great independent Agent, your best bet is to get help….
There are some great Agents out there, but I’d love for you to consider us.
We know your home is important…And, our 3 Step Process is designed to reflect that.
Here’s our process:
The 3 Step Process
The 3 Step Process
Key takeaways
- 1**Discovery Phase**–Review your current policy, and look for ways to improve your coverage and/or reduce costs. In this phase we also gather info that is specific to your individual circumstances (your recommendations will be tailored to you)
- 2**Quoting Phase**– We carefully search through our network of high quality, vetted insurance companies, to find you the best option.
- 3**Delivery Phase**– You are presented with the most competitive option(s), with your tailored recommendations.
From there, the next steps are up to you. We never “hard sell” anyone. When the…
From there, the next steps are up to you. We never “hard sell” anyone. When the time is right to move forward, we walk you through the steps of signing up, and canceling your current policy(s).
And the best part is, after you’re signed up you have an industry professional in your corner when things come up. Whether your needs change and you need a tweak to your policy, discuss a potential claim, or have a general insurance question, we are an ongoing resource for after you sign up.
I look forward to the opportunity to work with you.
Steve White
Client Stories
Real stories, real trust
“I came to Steve with home and auto insurance needs. He made the process seamless while buying my first home. He walked us through the different coverages, and helped us understand what was and wasn't needed. He handled all the coordination with the lender, making it one less thing we needed to worry about. Appreciate all your help, Steve! Looking forward to the continued partnership.”
“Steve is an excellent agent. If you’re looking for an agent who will take the time to make sure your properly covered, he is the best choice. He is knowledgeable on the elements of “what ifs” that come with insurance, you can trust Steve will know the answers or take the time to find out. He is friendly, professional, and will ensure he’s offering you the best options to protect your family or business.”
“I highly recommend Steve White as an insurance broker. When I was migrating from one insurance provider to another, Steve was extremely helpful and responsive—he was the first broker to call me back, the first to offer clear solutions, and he answered all of my questions within hours of my initial outreach. I contacted four different brokers, and Steve stood out immediately for his speed, professionalism, and follow-through. Since engaging with him, we’ve identified excellent carrier options, reviewed every aspect of my coverage in detail, and ensured I had a clear understanding of my policies. I couldn’t have been more pleased with how authentic, collaborative, and thorough Steve was throughout the entire process.”
“I’ve worked with Steve for 6 years and he’s always been proactive shopping rates to save my family money on home and auto insurance. I now have several friends that are working with him as well. Highly recommend his services.”
“We have been doing business with Steve for a number of years. He provides excellent, personal customer service and is very responsive when we contact him. Every year he shops for the best coverages at the best prices for our auto and homeowners insurance. When we have questions, he explains everything thoroughly and handles any dealings with the actual insurance company for us.<br>Steve is a nice guy and very knowledgeable about insurance.”
“Five stars don't seem like enough for the level of dedication Steve White Insurance Group showed in finding the right insurance for my type of business. Steve White went above and beyond, tirelessly exploring various options and navigating complex requirements to secure the best possible coverage at a competitive price. It was clear they invested significant time and effort in understanding my unique needs and advocating on my behalf. Their persistence and commitment to finding the ideal solution made a potentially stressful process surprisingly smooth. I highly recommend them to any business owner looking for an agency that truly goes the extra mile! I am very grateful, Diana Stewart”
“Steve is a knowledgeable professional. I have been using him for over 5 years and he has saved me money and improved my home and auto coverage. When I have had claims, Steve has been there to help walk me through the process. Since Steve is independent, he is always look for better coverage at a better price. I highly recommend Steve White Insurance.”
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 25, 2026. See our editorial process. How we use AI.