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Texas Homeowners Insurance

Whether you live near the coast in Galveston or Houston or you’ve planted roots in Austin or Dallas, one thing is certain: owning a home in Texas is the dream for many folks.

But certain exposures make homeowners insurance in Texas unlike other states. The state is prone to hurricanes in the Gulf Coast, tornadoes inland, and hailstorms everywhere. These weather events help make Texas among the most costly states for insurers to cover.

So let’s take a look at Texas homeowners insurance, from the cost of coverage and what a standard policy covers to additional coverages and insurance regulations.

What Does Texas Home Insurance Cover?

Kin’s Texas homeowners insurance policies include the following types of coverage:

  • Dwelling (Coverage A): Covers damage to the home from covered perils, such as fire, theft, and vandalism.
  • Other structures (Coverage B): Covers damage to structures on your property that aren’t attached to your home, such as garages, fences, and sheds.
  • Personal property (Coverage C): Covers replacement costs or actual cash value for personal belongings that are lost or damaged because of covered perils, such as fire, theft, or vandalism.
  • Loss of use (Coverage D): Covers living expenses when your home is uninhabitable after a covered incident.
  • Personal liability (Coverage E): Covers legal expenses if you’re sued over a visitor’s injuries or damaged property.
  • Medical payments (Coverage F): Covers medical expenses when someone is hurt on your property.
  • Wind / hail coverage: Covers wind and hail damage to the home and personal property. This has a separate deductible and deductible options vary by carrier.

Worth noting: While some insurance providers sell actual cash value coverage for homes, Kin recommends replacement cost insurance for homes and belongings. This offers the appropriate payout to repair your home and replace your things with new items of a similar quality.

What Texas Homeowners Insurance Doesn’t Cover

Standard homeowners insurance policies don’t cover:

  • Flooding or earthquakes
  • Mold, except to cover damage caused by a covered water-related event
  • Pests, such as insects, mice, rats, or termites
  • Wind or hail damage to shrubs and trees

If you live in an area susceptible to flooding, strongly consider carrying flood insurance.

TX Wind and Hail Insurance Requirements

While most mortgage lenders require homeowners to purchase windstorm and hail insurance, the state of Texas doesn’t. It allows counties to create their own regulations.

Windstorm and hail insurance can be purchased through private insurance companies like Kin. The Texas Windstorm Insurance Association (TWIA) is another option, but often considered an insurer of last resort for homes located in designated catastrophe areas. These include Texas’s 14 coastal counties and parts of Harris Country located east of Highway 146: Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kennedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, and Willacy.

Wind Certificate of Compliance

A certificate of compliance guarantees the home or its structures adhere to windstorm building code set by TDI. This certificate is not legally required, but it may help reduce windstorm coverage premiums and make the property eligible for windstorm coverage. It can also be a selling point if the property is up for sale at a later date.

Homeowners can obtain a certificate of compliance by getting an inspection by a Texas licensed professional engineer.

Note: You need this certificate to get a premium discount from Kin if your home was built before 2007.

A good home insurance policy will cover the replacement cost of your house and belongings.
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Do Texas Homes Need Flood Insurance?

Often, yes. Standard home insurance doesn’t cover flood damage from storms and hurricanes – only a flood insurance policy can do that. Kin can help homeowners get flood insurance, and if you’re in Galveston or Houston, you know firsthand how important this coverage is.

Hurricane Harvey rampaged across Texas and caused $180 billion in damages. Yet according to a Washington Post analysis, only 17 percent of homeowners in areas most affected by Harvey had flood insurance.

Those without flood insurance had to rely on charity, government aid, or pay out of pocket to cover costs. FEMA grants, a common form of government aid, are capped at $33,300, which hardly covers the costs of massive home repairs and replacement costs. Even one inch of standing water costs $23,635 in dwelling damages to an average one-story home, according to FEMA.

Only 17 percent of homeowners in areas most affected by Harvey had flood insurance.

When Do You Need Homeowners Insurance in Texas?

You will need homeowners insurance in Texas when:

  • You buy a home.
  • You have a mortgage.
  • You have valuable belongings.

Even if you don't have a mortgage on your home, it's wise to protect your investment. All it takes is one unexpected fire, hurricane, or other tragedy to take what you've worked so hard to secure for yourself and/or your family.

When to Shop for Homeowners Insurance in Texas

Though you almost always need home insurance, when you buy it depends on several factors. For example, you may shop for coverage:

  • Before you close on a new home.
  • Before your current policy's renewal to avoid lapses if you want to switch providers.
  • Any time you want to secure better coverage or a better premium.

What Information Do You Need to Get Home Insurance in Texas?

To speed up the insurance buying process, it usually helps to have the following information ready:

  • Proof of new purchase (if applicable).
  • Building details (year built, square footage, number of stories, detached structures).
  • Proof of security alarms. 
  • Insurance history information (proof of prior insurance, losses in the last 5 years, etc.).
  • Proof of flood insurance if your home is in a flood zone.
  • Appraisals for high-value belongings if you want to schedule them.

Cost of Texas Home Insurance

The median cost of homeowners insurance in Texas is $1,310, according to our data.

That said, there are many factors that impact your premium, including:

  • Where your home is located
  • Your home’s construction
  • The coverage amounts you choose
  • The deductible you choose
  • Your insurance-based credit score and your claims history

The coverage and provider you choose plays an important role in how much your policy will be.

Home Insurance Discounts

To save money on Texas home insurance, ask your Kin representative about discounts for:

  • Installing hurricane glass, accordion shutters, and wind-resistant doors.
  • Installing smoke detectors and a sprinkler system.
  • Using a water consumption monitor to detect abnormalities in water usage.
  • Having a home security system.

Kin customers are eligible for a discounted Brinks Home Security system, which saves customers money on their yearly premium.

Homeowners insurance in Texas costs about $1,310 a year.

A Texas Home Insurance Provider You Trust

Finding the right home insurance provider doesn’t have to be complicated. With Kin, you know your home is secure because we:

  • Help you get every discount you qualify for.
  • Provide fast online quotes and coverage.
  • Have awesome reviews from our customers.

See for yourself. Get a quote today and find out if we can get you better coverage at a better rate than you’re currently paying.

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