by EJ Nadolny | Apr 10, 2026 | Home Insurance
Is My Foundation Covered by Homeowners Insurance in Texas? Almost never. Standard Texas homeowners policies exclude foundation damage caused by settling, soil movement, and ground shrinkage. Coverage only applies when a sudden covered event like a burst pipe causes...
by EJ Nadolny | Apr 10, 2026 | Home Insurance
Wind and Hail Deductibles in Texas: What Every Homeowner Should Know Most Texas homeowners policies have a separate wind/hail deductible calculated as a percentage of dwelling coverage—not a flat dollar amount. On a $400,000 home with a 2% deductible, you pay...
by EJ Nadolny | Apr 10, 2026 | Home Insurance
What Does a Standard Texas Homeowners Policy Cover? A standard Texas HO-3 policy covers six things: your dwelling (A), other structures (B), personal property (C), additional living expenses (D), personal liability (E), and medical payments to others (F). It does not...
by EJ Nadolny | Apr 10, 2026 | Home Insurance
Do I Need Flood Insurance in Texas? What Your Homeowners Policy Does Not Cover Your Texas homeowners policy does not cover flooding—period. Roughly 25% of all flood claims in Texas come from properties outside designated flood zones. Flood insurance costs...
by EJ Nadolny | Apr 10, 2026 | Home Insurance
How Much Does Home Insurance Cost in Texas in 2026? Texas homeowners pay $2,800–$4,500 per year for a standard policy—roughly 40% above the national average of $2,200. Catastrophic weather (hail, wind, hurricanes, tornadoes) drives the gap. Your actual...
