Own your Home with

Peace of Mind

Request Quote


Your home is one of your most prized possessions. It’s most likely one of your most valuable assets; it’s where you eat, sleep, raise your family, and maybe even run a business. In other words, your home is something you want to keep protected. Weather, water damage, crime, and other accidents can wreak havoc on your home and your possessions. No one wants to deal with the impending damage, loss of possessions, and financial burden brought on by these scenarios.

That’s where home insurance comes in. Here are many different homeowner insurance plans to choose from, and Texan Insurance can make sure you get the coverage that best fits your needs so your life can go on when the unexpected occurs. Let’s review some of the basics of homeowners insurance so you have a better understanding of how the policy works.

What is Home Owners Insurance?

In basic terms, homeowners insurance will protect you in the event a disaster or an accident affects your home. It will cover the structure itself (your house) along with what’s inside (your belongings).

When it comes to what can be covered, the spectrum is really quite broad. Homeowners insurance can protect you in the case of storms, fallen trees, or res. It covers your loss from burglary and the, and is even your personal liability protection if someone is injured on your property.


Interestingly enough, Texas state laws do not require your home to be insured. Don’t use this as a green light to opt out, though. Many home loans require the purchase of a homeowners’ policy. Plus, it’s an unfortunate reality that accidents and events could very well occur in your home, and there’s nothing like the peace of mind knowing that if one of these events occurs, that you are protected against the loss.

For example, the National Fire Protection Association’s 2017 report reported 358,500 structure fires in the United States per year, while tornadoes, hurricanes, and severe storms cause billions of dollars in property damage each year.

Homeowners insurance goes beyond weather damage, too. When home break-ins occur, insurance is a necessity. Not to worry—our experienced agents at Texan Insurance will help and you a policy that protects your possessions in case of burglary or fire, and will discuss security systems you can install to reduce your rates and add peace of mind.

Lastly, your home insurance also provides you with personal liability protection on your property. Personal liability coverage means your policy will protect against bodily injury and property damage that occurs in your home. These personal liability claims could be medical bills, legal fees, and more. For example, if you throw a party and a guest hurts himself and sues you for.

We want to protect what matters most to you.

Call us at 281-998-2500 for immediate assistance or get a quote online to find out how we can get you protected.


What are the different types of homeowners insurance?

There are many different types of homeowners insurance, and talking with our agents can help you find the best plan for your needs. Here’s an abridged breakdown of four.


(Named Perils)
This basic plan covers your bases but does not include any bells and whistles. It only covers items that are specifically named. If the type of claim is not named, the claim will not be covered.


(Expanded Version of HOA
This expanded policy covers everything in the HOA basic plan, unless specifically excluded, plus additional Named Perils.


(National Form Open Peril)
This is the most popular homeowners insurance policy. It covers many more types of losses to your home/possessions and includes personal liability coverage. There are fewer exclusions than the HOA+ policy and the coverage amounts are higher for certain items.


(Texas form Open Peril)
This HOB is similar to the HO3 policy, they both provide coverage for your home on an Open Perils bases; but the HOB also provides additional water damage protection.
Items Includes/CoveredHOAHOA+HO3HOB
Fire or lightningincludedincludedincludedincluded
Sudden and accidental damage from smokeincludedincludedincludedincluded
Windstorm or hail
(does not cover wind driven rain)
Aircraft and vehicles
(not caused by insured resident)
Vandalism or malicious mischiefincludedincludedincludedincluded
Riot or civil commotionincludedincludedincludedincluded
(restrictions apply if off premises)
not includedincludedincludedincluded
Falling objectsnot includedincludedincludedincluded
Weight of ice, snow, or sleetnot includedincludedincludedincluded
Sudden and accidental discharge of water or streamnot includedincludedincludedincluded
Sudden and accidental tearing apart, cracking, burning or bulging of stream or water from water heating systemnot includedincludedincludedincluded
Falling trees or limbsnot includedincludedincludedincluded
Limited water discharge
(no seepage or leakage or water back up)
not includednot includednot includedincluded
(Rising waters from a source outside of the home)
not includednot includednot includednot included
Earth movement/Earthquakenot includednot includednot includedincluded
Additional water damage protectionnot includednot includednot includedincluded

How much is homeowners insurance in Texas?

The cost of homeowners insurance may not be as high as you think. However, Texas does have slightly higher rates than other states due to increased weather damage risks. On average, the cost of home insurance in Texas is $1,945 for $200,000 dwelling coverage with a $1,000 deductible, and $100,000 liability. Of course there are a number of factors that impact home insurance rates including the size and age of your home, its proximity to the coast and any updates your house has had to electrical, plumbing or the roof.

Loyalty discount
Bundling home and auto insurance
Smart Home Devices
Home improvements (that affect safety, structure, or longevity of your home)
Going claims free for a certain amount of time
Getting an impact-resistant roof
Investing in a security system
Installing a monitored fire alarm system

We want to protect what matters most to you.

Call us at 281-998-2500 for immediate assistance or get a quote online to find out how we can get you protected.



There are different deductible options too. Choosing the right deductible is critical to getting the most out of your plan. Your deductible is the amount of money you have to pay out-of-pocket toward damages before your insurance will kick in. For example, say you have a $1,000 deductible and you le a claim for $10,000. Your insurance company would cover $9,000.

You can generally choose two different types of deductible plans: a percentage-based plan and a dollar-amount plan. Generally, your deductible should be as high as you can afford; the higher your deductible, the lower the cost of your premium. Of course, every situation is unique, so we’re here to help you figure out your exact costs to find the best homeowners insurance plan for your needs.

Frequently Asked Questions

As we alluded to before, homeowners insurance coverage differs depending on your plan and insurance carrier. You’ll find different options, choices, and costs depending on which insurance company you choose.

Our agents can work with you directly to explain all aspects of different carriers’ policies. We’ll provide in-depth explanations and offer tips and strategies to choose the right policy and optional additional coverages that would benefit your current situation.

In some cases, you can get a deduction on your taxes from homeowners insurance. For example, any accidental loss (say, a neighbor drove through your garage door) must exceed 10 percent of your adjusted gross income to be considered a tax-deductible expense. There are other case-by-case situations too, so it’s best to sit down with a tax professional to talk through your options.

If your mortgage lender set up an escrow account, your homeowners insurance will likely be escrowed too. That means most people pay monthly along with their mortgage payment, but if you are responsible for your own homeowners insurance premium, we have carriers available that will offer a variety of premium payment options.

You can cancel your homeowners insurance policy easily, but it’s best to work directly with your insurance agent while making sure you prevent any lapse in coverage so you avoid an unpaid claim during the time you weren’t covered. You should also notify your mortgage company when you make an insurance change. When you cancel your policy, you will receive a refund of the unused insurance premium.

We want to protect what matters most to you.

Call us at 281-998-2500 for immediate assistance or get a quote online to find out how we can get you protected.


Home Insurance Quote

  • This field is for validation purposes and should be left unchanged.