Hail, wind, and hurricane exposure make Texas home insurance tricky. We know which carriers hold their rates after a storm season — and which ones don't.
The "form" number tells you what's covered. Here's the quick guide — we'll help you pick the right one based on what you own.
Standard homeowners policy. Open‑peril for structure, named‑peril for contents.
Open‑peril on everything. Broader coverage, higher‑value homes.
Covers the walls in and your personal property. HOA covers the building.
For your stuff and liability. Usually under $20/month — no reason not to have it.
We write about hail and wind a lot. That's Texas for you.
If you're in a FEMA flood zone, yes — and your lender will require it. Even if you're not, about 25% of flood claims come from properties outside designated flood zones. Policies start around $500/year.
Most Texas policies have a separate wind/hail deductible — often 1–2% of the dwelling limit. On a $400K home that's $4,000–$8,000. We'll show you the tradeoffs before you sign.
Probably not. Most homeowners policies exclude business use. You likely need a short‑term rental endorsement or a dedicated policy. Call us before you list.
Replacement cost pays to rebuild at today's prices. Actual cash value pays depreciated value — often half or less. We almost always recommend replacement cost.