Texas Homewowners Insurance

Texas Homeowners Insurance Made Simple

Owning a home in Texas comes with big skies—and big weather. Your coverage should match the way you live, not a generic checklist.

At IronPoint, we compare options and build Texas homeowners insurance around your address, construction, and risk profile. Clear choices. Straight talk. No surprises.

Know What Your Texas Homeowners Insurance Covers

When a claim hits, the details do the heavy lifting. Here’s how core protections typically work:

Not sure which limits fit your home? We’ll right-size your Texas homeowners insurance so you’re covered without overspending.

Hurricanes, Hail & Hard Freezes: Texas Risks to Plan For

Texas spans multiple weather zones. Coastal counties navigate hurricanes and windstorm. North and Central Texas see severe hail and straight-line winds. Statewide, hard freezes can burst pipes, and flash floods can hit far from rivers. A strong Texas homeowners insurance plan accounts for these patterns—and the deductibles that often come with them.

• Coastal wind/hurricane: your base policy may exclude wind/hail along the coast. Many owners pair a homeowners policy with a separate wind policy (TWIA) and add a named-storm or wind/hail deductible they can live with.
• Hail belt roofs: roof settlement terms matter—ask about replacement cost vs. actual cash value (age/condition) and cosmetic-damage clauses for metal roofs.
• Freeze & water: sudden pipe bursts are often covered; continuous leaks and long-term seepage generally are not without special endorsements.
• Flash flooding: standard homeowners policies exclude flood. Consider NFIP or private flood for surface-water events.

What Standard Homeowners Insurance Doesn’t Cover

Even the best Texas homeowners insurance has boundaries. Plan around the big gaps:

• Flood: requires a separate flood policy (NFIP or private).
• Earth movement & settling: typically excluded; some carriers offer limited foundation water endorsements tied to plumbing leaks.
• Wear and tear / maintenance: policies cover sudden, accidental loss—not gradual issues.
• Mold: often limited or sub-limited unless you buy additional coverage.

Popular Add-Ons Texas Homeowners Choose

• Extended or Guaranteed Replacement Cost: buffers rebuild spikes after regional storms.
• Ordinance or Law: pays to meet updated building codes during a rebuild.
• Water Backup: covers damage from drain or sump backups (separate from flood).
• Service Line: repairs underground water, sewer, or power lines to your home.
• Foundation Water / Slab Leak: adds limited protection when covered plumbing leaks damage the foundation.
• Equipment Breakdown: protects major systems/appliances from mechanical or electrical failure.

What the Texas Department of Insurance Wants You to Know

Texas has two “last-resort” options when standard markets won’t write the risk:

• Texas FAIR Plan Association (TFPA): basic homeowners coverage statewide when you’re declined in the private market.
• Texas Windstorm Insurance Association (TWIA): wind and hail coverage for designated coastal areas; most homeowners pair TWIA with a separate homeowners policy for non-wind perils.

Coastal properties often need a Windstorm Certificate of Compliance (WPI-8/WPI-8-E) to qualify for TWIA. If your base policy excludes wind, we’ll help you coordinate TWIA plus homeowners so there are no gaps.

How to Save on Texas Homeowners Insurance

Smart choices can reduce premium without undercutting protection:

• Bundle home and auto for multi-policy credits.
• Ask about impact-resistant roofing credits and roof-age incentives.
• Add monitored security, smoke/CO detection, and smart leak sensors.
• Harden for wind: reinforced garage doors, rated openings, and proper roof attachments.
• Choose deductibles you can actually afford—especially wind/hail or named-storm deductibles.

We’ll audit every available discount and structure deductibles that make financial sense.

First-Time Buyers: Texas Homeowners Insurance Basics

• Insure to rebuild cost—replacement cost, not market value.
• Know your deductibles (all-peril vs. wind/hail or named storm).
• Plan for exclusions: add flood and consider foundation water coverage if available.
• Escrow: your lender usually pays insurance from your escrow account.

Why Choose IronPoint for Your Texas Homeowners Insurance?

We don’t just quote. We help you navigate Texas carriers, wind and flood pairings, roof terms, and deductibles—so your Texas homeowners insurance performs when it matters.

• Access to top-rated insurers and specialty markets.
• Coastal know-how (TWIA pairing) and inland hail expertise.
• Personal guidance from quote to claim.