Whether you’re a new homeowner in Texas or reviewing your current policy, understanding what’s actually covered—and what isn’t—can save you from major surprises.
✅ What’s Typically Covered by Texas Homeowners Insurance
Most policies in Texas fall under HO-3 (Special Form) coverage, which includes:
🔥 Dwelling Coverage
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Damage to your home’s structure (walls, roof, floors, etc.) from:
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Fire
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Hail
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Windstorms
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Vandalism
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Theft
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Sudden water damage (like burst pipes)
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🛋 Personal Property
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Covers furniture, clothing, electronics, etc. if damaged or stolen.
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Covered even outside the home (e.g. in your car or while traveling).
🧍 Liability Protection
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Covers legal expenses if someone sues you for injuries or damages on your property.
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Also applies if your pet injures someone (subject to policy terms).
🏨 Loss of Use / Additional Living Expenses
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Pays for temporary housing and food costs if your home is unlivable after a covered disaster.
👨🔧 Other Structures
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Covers detached garages, sheds, fences, and other structures on your property.
❌ What’s NOT Covered by Standard Texas Homeowners Insurance
Texas has unique weather risks, and standard policies don’t cover everything:
🌊 Flood Damage
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NOT covered by standard policies.
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You’ll need separate flood insurance (available through FEMA or private insurers).
🌪 Windstorm/Hail in Coastal Counties
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In some Gulf Coast regions, wind/hail damage may be excluded and require a separate policy from TWIA (Texas Windstorm Insurance Association).
🌋 Earthquakes
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Not covered unless you add earthquake coverage as an endorsement.
💧 Gradual Water Damage
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Leaks from wear and tear, lack of maintenance, mold, or slow seepage aren’t usually covered.
🐀 Pest Infestations
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Damage from termites, rats, or insects is considered preventable and not covered.
💼 Business-Related Claims
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If you work from home or run a business, damage to business equipment may need extra coverage.
📍 Texas-Specific Considerations
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Due to high storm risks, deductibles for wind/hail are often higher than other types of claims.
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Replacement Cost vs. Actual Cash Value: Make sure your policy pays replacement cost to fully rebuild—not depreciated value.
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Some insurers offer custom endorsements for jewelry, electronics, firearms, and more.
💡 Pro Tips for Texas Homeowners
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Get a home inventory (photos + receipts)
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Review your coverage limits annually
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Ask your agent about bundling home + auto to save
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Look into impact-resistant roofing discounts
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Consider flood insurance even if you’re not in a high-risk zone