Homeowners Insurance
Strong Coverage for Your Home
Your home is more than just a roof over your head—it’s where your life happens. We offer homeowners insurance that protects your house, your belongings, and your peace of mind, with policies designed for the real risks and realities of living in West Texas.
What Your Homeowners Insurance Can Include
Dwelling Coverage
Pays to repair or rebuild your home if it’s damaged by fire, hail, wind, or other covered events.
Personal Property Coverage
Covers your belongings—like furniture, electronics, and clothing—if they’re damaged, stolen, or destroyed.
Liability Protection
Helps cover legal costs if someone is injured on your property or if you accidentally cause damage to others.
Additional Living Expenses
Covers temporary housing and other living costs if your home becomes uninhabitable due to a covered loss.
Detached Structures Coverage
Includes fences, sheds, garages, and other structures not directly attached to your home.
Medical Payments to Others
Pays for minor injuries to guests who are hurt on your property, regardless of fault.
Coverage That Understands Texas Weather
Homes in West Texas face unique risks
In West Texas, your home may be exposed to windstorms, hail, and long dry spells—all of which can cause major damage. Roof repairs, water leaks, and electrical fires are common concerns in areas like Abernathy and Lubbock, and insurance policies should be tailored to reflect those local conditions. Many homes in this region also have outbuildings, barns, or workshops that need separate consideration. We build policies that go beyond the basics, offering coverage that fits both your home’s structure and the life you’ve built inside it.
Frequently Asked Questions
Is homeowners insurance required in Texas?
Texas law doesn’t require homeowners insurance, but if you have a mortgage, your lender will almost always require it. Even if your home is paid off, coverage is strongly recommended to protect your financial investment. A standard policy helps cover the cost of repairs, replacement, and liability. We’ll help you find a plan that satisfies your lender and gives you peace of mind.
How much coverage do I need for my home?
You should carry enough dwelling coverage to rebuild your home from the ground up, including materials and labor. In West Texas, the average rebuilding cost is around $125 to $175 per square foot, depending on the structure. We’ll calculate the right amount based on your home’s size, age, and features. The goal is to make sure you’re fully protected—without overpaying for unnecessary extras.
Are floods or earthquakes covered under standard policies?
No, standard homeowners policies in Texas don’t cover flood or earthquake damage. If you’re in an area with flood risk or shifting soil, you may need separate policies for those perils. We’ll help you evaluate your property’s risk and walk you through additional coverage options. Protecting your home starts with understanding what your base policy does and doesn’t include.
Can I get a discount if I bundle my home & auto insurance?
Yes, bundling your home and auto policies with the same carrier often qualifies you for a multi-policy discount—sometimes as much as 20%. We work with a variety of companies and will compare your options to find the best value. Bundling not only saves money, it simplifies your insurance experience. It’s one of the easiest ways to get more out of your coverage.
Does homeowners insurance cover items outside the house?
Yes, your policy can include coverage for detached structures like sheds, fences, and garages. It also typically covers personal belongings stored outside or temporarily off-site, such as tools in a truck or luggage at a hotel. If you have expensive equipment or unique setups, let us know—we’ll make sure they’re properly protected. Coverage should match how you live, not just where.
