Texas homeowners coverage that fits your home and budget — from carriers with the strength to pay when it matters most.
Coverage for the structure, what is inside it, and the people who visit.
We protect homeowners across San Antonio and Bexar County — Stone Oak, Alamo Heights, Helotes, Boerne, and beyond. Texas homes face real hail and windstorm exposure, and standard homeowners policies do not include flood — so we walk you through deductibles and the gaps that matter here. Bundle with auto to save →
A standard policy covers your dwelling and other structures, your personal property, personal liability, and loss of use (additional living expenses if you cannot stay in your home after a covered loss). We make sure your limits match what it would actually cost to rebuild.
No. Flood damage is excluded from standard homeowners policies and requires a separate flood policy through the NFIP or a private carrier. If your home is in or near a flood-prone area, we can help you add it.
Most Texas homeowners policies cover hail and wind, but they often carry a separate, percentage-based wind/hail deductible. We explain exactly how yours works so there are no surprises after a storm.
Your dwelling limit should reflect the cost to rebuild your home (replacement cost), not its market value or what you paid. We help you set an accurate amount so you are not underinsured.
Yes — bundling your home and auto with the same carrier is usually the easiest way to lower your total premium. Ask us for a combined quote.
Usually the same day. Submit the form or call 210-536-5947 and a licensed Texas agent will follow up quickly.
Takes about 5 minutes. No obligation. We’ll follow up the same day.