Homeowners Insurance in Texas & Michigan — Customized Coverage at the Best Rate

A standard homeowners policy covers your dwelling (the structure of your home), personal property (furniture, electronics, clothing), personal liability (if someone is injured on your property), and additional living expenses (if you must temporarily relocate after a covered loss). It does not automatically cover floods or earthquakes — those require separate policies.

Homeowners insurance is not required by Texas or Michigan law, but your mortgage lender will almost certainly require it as a condition of your loan. Even if you own your home outright, going without coverage puts your most valuable asset at serious financial risk.

You need enough dwelling coverage to fully rebuild your home at current construction costs — not its market value. These figures can differ significantly. Personal property coverage should reflect the replacement cost of your belongings. We recommend a home inventory to ensure you're not underinsured.

Common discounts include bundling with your auto policy (typically 10–25% savings), installing security systems or smoke detectors, being claims-free for several years, paying your premium in full, and going paperless. As an independent agency, we compare discounts across multiple carriers to find you the best combination.

It depends on the cause. Sudden and accidental water damage — like a burst pipe — is typically covered. Gradual leaks, flooding from outside, and sewer backups are usually excluded unless you add specific endorsements. We can help you identify gaps in your water damage coverage.