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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.

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 you choose plays an important role in how much your policy will be. With that in mind, let’s look at what a standard home policy covers and additional coverages that make sense for Texas’s climate.

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 fire, theft, and vandalism.
  • Personal property (Coverage C): Covers replacement costs for personal belongings that are lost or damaged because of fire, theft, or 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.
  • 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 of 1%, 2%, 3%, 4%, 5%, or 10% of your dwelling coverage limit. We’ll look at this coverage in more detail shortly.

Worth noting: While some insurance providers sell actual cash value coverage for homes, Kin only sells 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.

replacement cost vs actual cash payout

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.

Flood Insurance in Coastal Texas

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.

“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.

Texas homeowners insurance flood repairs

Hurricane Harvey was a cold reminder of the importance of having flood insurance in Texas. Policies typically cover flood damage to:

  • Appliances
  • Detached garages
  • Central air conditioning, electric, and plumbing
  • Foundation walls
  • Personal property
  • Permanently installed cabinets and paneling
  • Valuable items

Be aware that flood insurance typically doesn’t cover property located in basements or crawl spaces. Homeowners should also be aware of coverage limits (federal flood insurance payouts are capped at $250,000 per building and $100,000 for contents). Deductibles may range from $1,000 to $10,000.

Keep in mind that flood coverage becomes effective 30 days after purchase, so it’s important to plan ahead and have this coverage in place well before a storm hits.

Understanding Flood Zones

Flood insurance premiums are based on the flood risk of the home’s location. Insurers use your home’s base flood elevation (BFE), which is the elevation to which floodwater is expected to rise during a 100-year flood.

Flood insurance premiums decrease for every foot a home is above the area’s BFE and increase for every foot below the area’s BFE.

Lastly, be aware that just because your home isn’t in a traditional flood zone doesn’t mean it’s free of flood risk. Most of the 204,000 homes Hurricane Harvey affected were outside the federally regulated 100-year floodplain.

What You Should Know about TX Windstorm and Hail Insurance

While most mortgage lenders require homeowners to purchase windstorm and hail insurance, the state of Texas doesn’t. Other coastal states have universal insurance regulations in place, but Texas allows counties to create their own regulations. That lack of consistency can be confusing for Texas homeowners.

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.

Keep in mind that when a hurricane enters the Gulf of Mexico, you can’t change or buy windstorm coverage. That’s why it’s important to get covered now before you need it. Again, Kin’s home insurance includes wind and hail coverage for Texas homeowners and is available to those along the coast.

Does Your Home Need a Wind Certificate of Compliance?

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

Homeowners can obtain a Certificate of Compliance by:

  1. Contacting TDI for inspections on ongoing construction.
  2. Contacting TWIA for inspections on completed construction.

Texas Home Insurance Discounts

To reduce Texas home insurance costs, 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 free LiveWatch security system, which typically saves them about $100 on their premium.

Kin: A Texas Home Insurance Provider You Can 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.

Coverage You Can Count On

Get a quote today!