Texas Home Insurance

What Texas home insurance covers

Texas home insurance is a package contract that pays to repair the house, replace what is inside it, and defend the owner when a visitor is hurt on the property.

A Texas homeowners policy carries six parts, and the Texas Department of Insurance home insurance guide uses the same six letters that appear on the declarations page:

• Coverage A, the dwelling itself
• Coverage B, other structures such as a detached garage or a fence
• Coverage C, personal property inside the house
• Coverage D, loss of use, which pays for somewhere to live while the house is unlivable
• Coverage E, personal liability
• Coverage F, medical payments to a guest

Texas law does not require a homeowner to buy this policy. A mortgage lender does, and that requirement sits in the loan documents rather than in the Texas Insurance Code.

What a Texas home policy does not cover

Flood is excluded from every Texas homeowners policy, and that one exclusion causes more argument after a storm than the rest of the contract put together.

Four more gaps sit in the standard form:

• Earth movement, which takes in foundation shift and sinkhole on most forms
• Wear, tear, rot, and anything a reasonable owner was supposed to maintain
• Damage from insects, rodents, and birds
• Windstorm and hail on much of the Texas coast, where one insurer writes the rest of the policy and wind goes on a separate one

Wind and hail are usually covered inland, but under a percentage deductible calculated on the dwelling limit instead of a flat dollar figure. A homeowner who has never read that endorsement finds out about it the week after a hailstorm.

What Aulona Insurance Group can place

Aulona Insurance Group places Texas home coverage across coastal, rental, condo and excess-liability property, and names the list rather than leaving a homeowner to guess at it.

Aulona Insurance Group places:

• Coastal homeowners coverage in the Tier 1 and Tier 2 coastal counties, windstorm included
• Dwelling fire policies, DP-1 and DP-3, on property the owner does not live in
• Condo unit owner coverage and renters coverage
• Landlord policies on long-term rental property
• Personal umbrella coverage above the home and auto liability limits
• Flood through the National Flood Insurance Program (NFIP) and Write Your Own carriers

Every policy goes to an insurer Aulona Insurance Group holds an appointment with, and the agency does not quote insurers it does not represent.

Where Aulona Insurance Group is not the right fit

Preferred inland owner-occupied homeowners coverage in the Dallas and Fort Worth suburbs is a weak market for the agency, and the agency says so before an application is taken.

Outside what Aulona Insurance Group places:

• A preferred, owner-occupied HO-3 on a newer inland home in the Dallas and Fort Worth suburbs
• Any risk that has to go to surplus lines, which Aulona Insurance Group cannot place in-house
• Residential buildings of more than four units, which underwrite as commercial habitational property rather than on a dwelling form
• Life, health, Medicare, and disability, which the agency does not write at all

A homeowner in one of those situations is better served by an agency whose appointments point that way, and the call says so in the first few minutes rather than at the end.

What moves the price of a Texas home policy

The premium on a Texas home policy is set by the insurer, not by Aulona Insurance Group. Property is rated by location, and the county and the distance to the coast are the first inputs.

Inputs an underwriter reads off a Texas home application:

• The age and material of the roof, which decides eligibility before it decides price
• The dwelling limit, which is the cost to rebuild, not the market value and not the county appraisal
• The deductible structure, including the separate percentage deductible for wind and hail
• Claim history on the address, which follows the house and not only the owner
• Wiring, plumbing, and panel type on an older home

Aulona Insurance Group publishes no premium on this site and does not rank insurers by price.

Wind, hail, and flood are three different policies in Texas

Storm damage in Texas gets paid by three separate contracts, and a homeowner near the coast can end up holding all three at once.

Reading all three declarations pages side by side is the only way to find the gap between them before a claim does.

How a Texas home policy gets placed through Aulona Insurance Group

Aulona Insurance Group starts every home policy the same way, and no premium appears on this site at any point:

1. Request a callback on the contact page, leaving a name, a number and the property address.
2. Take the call from Luka Cenaj, who goes through the house, the roof, the claim history, and the coverage the owner needs.
3. Let Aulona Insurance Group take the risk to the markets it holds appointments with.

No policy is quoted or bound without that call, and the call is recorded.

A homeowner can also reach the same conversation by calling (945) 600-6008. Homeowners who prefer Albanian can have the whole conversation in Albanian.

Home coverage by property type and by coast

A beach house in Galveston and a rent house in Beaumont are two different underwriting problems, so the coverage answer changes with the property rather than with the way the question is asked.

Pages organized by coverage type deal with windstorm on the coast, flood, personal umbrella liability, and dwelling fire. Pages organized by property type deal with older homes, higher-value homes, landlord property, and condo units.

Five coastal and near-coastal cities carry their own pages: Corpus Christi, Galveston, Brownsville, Beaumont, and League City. Each one names the county that rates the policy and the storm risk that drives underwriting there.

Aulona Insurance Group serves Texas only, from its office in Plano. No visit is required. The phone number for all of it is (945) 600-6008. Mailing address: 4100 Eldorado Pkwy, Ste. 100/408, McKinney, TX 75070.