Dwelling Coverage
Dwelling coverage is the core of every homeowners policy. It pays to repair or rebuild the physical structure of your home after a covered loss — fire, windstorm, hail, and most other perils.
The specifics.
The house itself, attached structures (garage, deck), and permanently-installed features like plumbing, wiring, HVAC, and built-in appliances.
Real-world impact.
Your dwelling limit should reflect the full rebuild cost — not market value or purchase price. In Texas, rebuild costs run $180–$260 per square foot depending on finishes. We calculate this for you and update it every renewal.
Other coverages inside your home insurance policy.
Personal Property Coverage
Covers your belongings — furniture, electronics, clothing, and more.
Learn morePersonal Liability
Protects you if someone is injured on your property or you damage others' property.
Learn moreWindstorm & Hail Coverage
Coverage for named-storm and hail damage — critical in Texas.
Learn moreFlood Endorsement
Standard homeowners does NOT cover flood — you need a separate policy.
Learn moreLoss of Use / Additional Living Expenses
Pays for hotels, meals, and rent if your home becomes unlivable.
Learn more
Get dwelling coverage added to your policy today.
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