get a texas homeowners insurance quote from esurance

or call 1-866-439-5633

Or call 1-866-439-5633.

Texas residents who bundle their home insurance with auto insurance can save up to 10 percent! Here's how.

texas homeowners insurance

Texas sure knows how to hold 'em — more than three-quarters of adults born in the state still live here. And why not? After all, with a beautiful landscape and the second-largest economy in the U.S., Texans have a great place to call home, and a life well worth protecting.

Whether you reside in San Antonio, Austin, Dallas, or somewhere in between, nothing helps you secure the Texas-sized life you know and love (now and long into the future) like reliable home insurance. Speak with our licensed agents or get a free Esurance quote today to find out how you can benefit from our personalized coverage options and money-saving discounts.

I think you're doing a pretty good job. I'm not computer savvy at all and I'm able to follow your directions to print insurance cards and look around my homeowners policy very easily. Thank you!

– Linda, Nevada

Our rep really took the time to explain each step of the process and was great at following up. She made the process easy and I appreciate her helping my family get our house back together.

– Tommy, Nevada

The entire [claim] process was quickly handled and there was no hassles. It was a truly stress-free experience which is rare nowadays. Thanks Esurance for not letting this turn into a nightmare.

– Iola, Kansas

save with texas homeowners discounts

We know you've grown accustomed to saving big in Texas (that whole "no-income-tax" thing tends to have that effect). So far be it from us to mess with what isn't broken.

We offer a diverse slate of simple, straightforward homeowners discounts in the Lone Star State to make it easy for Texans to continue their wallet-friendly ways.

Smoke-Free discount

For some, Texas is synonymous with the cowboy: 10-gallon hat on his head and, perhaps most prominently, cigarette dangling from his lips. But in reality, the state is far from being a tobacco smokers' sanctuary. According to the Centers for Disease Control and Prevention, only 19 percent of adults in Texas are smokers, which is well below the U.S. median.

Avoiding cigarettes does more than reduce health risks — it can also reduce your homeowners insurance rates. By keeping a no-cigarette household (which, odds are, you're already doing), you could qualify for our Smoke-Free discount and enjoy convenient savings built right into your healthy lifestyle.

Multi-Policy discount*

If you already have an Esurance auto policy (or even other coverage, like motorcycle), bundling it with Texas home insurance means a couple things. First, you obviously can't get enough of our understated charm (no surprise there). And second, you'll qualify for our Multi-Policy discount and bank some handy savings.

More discounts

Look to save even more by scoring these other discounts:

  • Claim-Free discount
  • Preferred Buyer discount
  • New Home discount
  • Home Safety Features discount
  • Hail Resistant Roof discount
  • Future Effective Date discount
  • Storm Shutter discount
  • DIY Inspection discount
  • Welcome Home discount
  • Loyal Customer discount

living in the lone star state

How homeowners policies in Texas are different

As you may know, there are varying types of homeowners insurance policies. The HO-3 policy is the most common nationwide as it generally offers both affordability and a wide range of coverage. In Texas, however, things are done a bit differently:

  • HO-A: the least expensive, and offers the least amount of coverage
  • HO-B: more comprehensive, and costs more than a HO-A
  • HO-C: the most coverage available, at the highest premium

Amended HO-A policies are also available and offer some middle ground between regular HO-A and HO-B policies. For more info on all things homeowners insurance in Texas, check out the Lone Star State's official resource.

Tornadoes in Texas

According to the U.S. National Ocean and Atmospheric Administration, Texas averaged 155 tornadoes per year from 1991 through 2010 — the most of any state in the country. From more minor exterior damage to total destruction of your property, tornadoes cost Texas homeowners heaps of cash and inconvenience (to say the least).

Luckily, standard homeowners insurance covers damage to your home and belongings caused by tornadoes and windstorms, in addition to many other weather-related hazards and mishaps, including:

  • Hail
  • Fire and smoke
  • Lightning
  • Falling objects
  • Weight of ice, snow, or sleet
  • Freezing of plumbing, air conditioning, and other household systems

The Texas Department of Insurance has put together a helpful storm resource guide, where residents can get more information on storm safety and preparedness.

what texas homeowners insurance covers

Unlike auto insurance, homeowners insurance typically isn't required by law. But if you finance your home with a mortgage, your lender will probably require some coverage. Good thing a basic Texas home insurance policy comes with a dynamic range of coverages to help protect the most important elements of your life.

Dwelling protection

If anyone ought to have their emergency weather procedures down pat, it's Texas residents. As a member of tornado alley and one of the most frequent hurricane landing spots, Texas is one of the few states to be a major risk for both of these destructive storms.

Thankfully, hunkering inside the old storm shelter isn't your only means of defense. With dwelling protection, you can take comfort knowing you'll have the financial help you need to rebuild your home if it's destroyed. When choosing your limits, make sure you have enough dwelling protection to cover the full value of your home and estimated construction costs.

More coverages

Here are even more great coverages that come with your Texas homeowners policy:

optional home insurance coverages

To provide Texans with a well-rounded policy, we also offer myriad additional coverages that go beyond basic risks to give you even more financial peace of mind.

Identity theft expense coverage

Texas has the seventh highest per capita rate of identity theft, according to a 2012 report by the Federal Trade Commission's Consumer Sentinel Network. And few crimes can make you feel quite as vulnerable and powerless.

Identity theft expense coverage lets you take back control and restore some order (not to mention your bank account) if a thief racks up charges under your name. An expert advisor will also help reverse any damage done to your credit and monitor activity to help you steer clear of future issues.

Roof surfaces endorsement

Your roof is the first line of defense against heavy storms, which is why it's so crucial to keep it strong. This endorsement helps make sure you get the repairs you need if a Texas-sized piece of hail or gale-force wind takes a chunk out.

Other coverage options

Find other helpful coverage options when you get your free Esurance quote, such as eco upgrade and water backup coverage. What's more, our agents are available at these times at 1-866-439-5633 for any of your homeowners insurance questions or concerns.

Related link

Texas renters insurance
Get help securing renters coverage for you, your belongings, and your liability.

Get a quote to see how surprisingly painless insurance can be

or call 1-866-439-5633

Or speak with a licensed agent at 1-866-439-5633.