Home Insurance Coverage Built Around You
Every home is different. Your house, belongings, liability risks and even where you live can affect the coverage you need. We'll help you understand your options and compare coverage from multiple insurance companies.
Dwelling Coverage
Your home and attached structures against covered losses.
Other Structures
Detached garages, sheds, fences and other eligible structures.
Personal Property
Furniture, electronics, clothing and other belongings inside your home.
Personal Liability
Protection when you're legally responsible for certain injuries or property damage.
Additional Living Expenses
Help with eligible additional living costs when a covered loss makes your home unlivable.
Other Home Coverage Needs
We'll help identify additional exposures and coverage options based on your property.
Your Home Insurance Should Keep Up With Your Home
Your home changes over time, and your insurance needs can change with it. Renovations, rising construction costs, new roofs, added structures and changes in your belongings can all affect whether your current coverage still fits.
When Was Your Home Policy Last Reviewed?
✓ Have you remodeled or renovated?
✓ Has your roof been replaced?
✓ Have you added a shop, shed or detached structure?
✓ Have construction costs increased since you bought the home?
✓ Have you purchased valuable personal property?
✓ Are your deductibles still comfortable for you?
Central Texas Home Insurance FAQs
Home insurance can be confusing, especially with rising costs, changing deductibles and Texas weather. Here are answers to common questions Central Texas homeowners ask about protecting their homes and property.
What does home insurance cover in Texas?
Home insurance can provide coverage for your home, other structures, personal belongings, additional living expenses and certain liability claims. The coverage included depends on your policy, limits and endorsements, so it’s important to review what your specific home needs.
Does home insurance cover wind and hail damage in Texas?
Many Texas homeowners policies provide coverage for wind and hail, but deductibles and coverage can vary significantly. Some policies use percentage deductibles rather than a flat dollar amount, which can make a major difference in what you pay after a covered loss.
How do home insurance deductibles work?
A deductible is the amount you’re responsible for before insurance pays for a covered loss. Home policies may have different deductibles for different types of claims, such as wind and hail. A percentage deductible is generally calculated using the insured value of the home rather than the amount of the claim.
How much home insurance coverage do I need?
Your dwelling coverage should generally reflect the estimated cost to rebuild your home—not simply its market value or what you paid for it. Construction costs, square footage, materials, features and other factors can affect the amount of coverage your home may need.
Why did my home insurance premium increase?
Home insurance premiums can change because of construction and repair costs, weather losses, claims history, changes in coverage, inflation, your property characteristics and other rating factors. Reviewing your policy can help determine whether there are better coverage or pricing options available.
Can an independent insurance agency compare home insurance companies for me?
Yes. An independent insurance agency can work with multiple insurance companies rather than being limited to one carrier. HC Premier Insurance can compare available home insurance options to help Central Texas homeowners find coverage that fits their property and needs.
Not Sure What Your Home Needs?
Every home is different. HC Premier Insurance can help you review your current coverage, identify potential gaps and compare options from multiple insurance companies.