Texas Homeowners Insurance
From an Independent Agency Texans Have Trusted Since 2002
Your home is more than just a house — it is your most valuable possession and the place your family makes memories. Texas weather can be unpredictable, so the right homeowners policy is essential. We compare numerous carriers to make sure you are properly covered for hail, wind, fire, theft, and liability.
What Homeowners Insurance Covers
Dwelling Coverage
Repairs or rebuilds the structure of your home after a covered loss.
Personal Property
Covers your belongings — furniture, electronics, clothing, and valuables.
Personal Liability
Protects you if someone is injured on your property or you accidentally damage someone else's property.
Loss of Use (ALE)
Pays for hotel and meals if you cannot live in your home after a covered loss.
Other Structures
Covers detached garages, sheds, fences, and other structures on your property.
Wind & Hail Coverage
Critical in Texas — protects against the storms we know all too well.
Why Texans Choose A-Tex for Homeowners Insurance
Independent Agency
We work for you, not the insurance company. We compare numerous carriers to find your best rate.
Family-Owned Since 2002
Two decades of helping Texans protect what matters most. Family-owned, Christian-based, locally trusted.
Real People, Real Service
No call centers. No runaround. Talk to the same friendly Texans every time you call.
Homeowners Insurance FAQs
Does Texas homeowners insurance cover hail damage? +
Most standard Texas policies cover hail damage to your roof and home. However, some policies have separate wind/hail deductibles. We will explain your options before you buy.
Is flood insurance included with homeowners insurance? +
No. Flood insurance is a separate policy through the National Flood Insurance Program (NFIP) or private carriers. We can help you add flood coverage if your area requires or recommends it.
What is the difference between replacement cost and actual cash value? +
Replacement cost pays to replace damaged items at today's prices. Actual cash value subtracts depreciation, so older items pay out less. We typically recommend replacement cost when possible.
How much does homeowners insurance cost in Texas? +
Texas homeowners insurance averages higher than the national average due to weather risks. Premiums vary based on home value, location, age, deductible, and credit. Get a free quote to see your rate.
Can I bundle home and auto insurance to save? +
Yes — bundling is one of the easiest ways to save. We will compare bundled rates from multiple carriers to find your biggest discount.
Ready to Get Started?
Get a free, no-obligation homeowners insurance quote in minutes. We will compare numerous carriers and respond within one business day.