PERSONAL INSURANCE · TEXAS
Texas Homeowners Insurance
Your home is more than a building. BIG - Brock Insurance Group helps Texas homeowners compare protection for the house, belongings, and liability—with attention to storm deductibles and the way your property is used.
Compare more than the price
Home policies differ in how they cover the dwelling, other structures, personal belongings, temporary living expenses, and liability. We’ll review replacement cost, deductibles, limits, and relevant endorsements so you can make an informed choice.
BIG serves homeowners across Texas from Friendswood and New Braunfels. Tell us where the home is and what matters most to you.
Dwelling and structures
Discuss the cost to rebuild your home, roof and construction details, and detached structures such as a garage or shed.
Belongings and living expenses
Review personal property limits, valuable items, and help with temporary housing after a covered loss.
Liability and deductibles
Compare personal liability limits, water-backup options, and any separate wind, hail, or hurricane deductible.
Questions Texas homeowners ask
Is flood damage covered by homeowners insurance?
Typically not when water rises from outside. Ask about a separate flood insurance policy, even if the property is not in a high-risk zone.
How do storm deductibles work?
Some Texas policies have separate wind or hail deductibles, sometimes expressed as a percentage of the dwelling limit. Ask your agent to show what you would pay after a covered claim.
Helpful details for a quote
- Property address, age, square footage, and roof details
- Current policy declarations and claims history if available
- Renovations, detached buildings, and valuable belongings
- Questions about umbrella liability or flood coverage
Coverage depends on the policy, endorsements, property, and insurer. BIG helps you compare available options.