Owning a home in Texas comes with unique risks—extreme weather, rising property values, and changing insurance underwriting guidelines. You need coverage that properly protects your investment and a trusted partner so you don’t waste time. Whether you're buying, refinancing, or simply updating your current policy, we make insurance simple and stress-free.

What should you consider when shopping for home owners insurance Austin or anywhere in Texas.

Protection Against Texas Weather Risks

Texas homeowners face unpredictable weather, from hail and windstorms to hurricanes. We ensure your policy includes the right coverage for these risks, so you're not left paying more than expected out of pocket for costly repairs.

Adjusting for Higher Home Rebuild Costs

With rising labor and material values, many homeowners are underinsured. Your policy should reflect current appraisals to cover the full cost of rebuilding in today’s market. We’ll help you adjust your coverage accordingly.

Handling Policy Changes & Cancellations

Some insurance companies are leaving high-risk areas, forcing homeowners to find new coverage. If your policy has been canceled or is pending non-renewal, we can help you secure reliable protection. 

Added Protection for Your Home

A standard homeowners policy may not cover everything. We assess your need for and offer additional protection, including Water Backup, Extended Replacement Cost, and Flood coverages.

Specialized Coverage for Unique Homes
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Vacant Homes – If your home is unoccupied for an extended period (e.g., during renovations or before a sale), standard policies may not cover it. We offer vacant home insurance to keep it protected.

High-Value Homes – Custom homes with luxury features require tailored coverage to protect expensive materials, custom finishes, and high-end belongings.

Tree Maintenance & Eligibility – Some insurers require overhanging trees to be trimmed to reduce storm damage risks. We’ll help you understand maintenance requirements to avoid coverage issues.