Your home is the largest investment most families ever make, and the right homeowners policy protects more than the structure. As an independent Texas agency, Greenway compares quotes from more than 40 carriers to match coverage to the specific risks of your ZIP code, the age of your home, and your budget.
What is home insurance?
Home insurance, most commonly written as an HO-3 policy, covers your house, your personal belongings, and your personal liability. It pays to repair or rebuild your home after a covered event such as fire, wind, hail, or theft, and it protects you financially if someone is injured on your property.
Why you need it:
- Required by virtually every mortgage lender
- Pays to rebuild your home after a covered loss
- Protects belongings inside the home
- Covers liability if a guest is injured on your property
- Pays for additional living expenses if your home is uninhabitable
What it typically covers:
- Dwelling – the physical structure of your home
- Other structures – detached garage, fence, shed
- Personal property – furniture, electronics, clothing
- Loss of use – temporary housing and additional living costs
- Personal liability
- Medical payments to others
Common exclusions:
- Flood damage (a separate flood policy is required)
- Earth movement and foundation settling
- Wear and tear, neglect, or intentional damage
- In Texas Tier 1 coastal counties, wind/hail may need a separate TWIA policy
Frequently asked questions:
Does home insurance cover hurricane damage in Texas?
Wind damage from a hurricane is covered by a standard policy, or by TWIA in coastal areas. Flood damage from storm surge or rainfall is not- that requires a separate flood policy.
How much dwelling coverage do I need?
Enough to rebuild your home at current construction costs, not the market value and not the purchase price.
How can I lower my home insurance premium?
Bundle home and auto, raise your deductible, install a Class 4 impact-resistant roof, and review your coverage with an independent agent at every renewal.