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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 Houston, 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, complete with personalized coverage options and money-saving discounts.

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), adding Texas home insurance to the mix 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

what texas homeowners insurance covers

A basic Texas home insurance policy, which is usually required if you finance your home with a mortgage, 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:

  • Guest medical protection
  • Personal property protection
  • Other structures protection
  • Additional living expense protection
  • Family liability protection

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

You can select from a full array of other optional protection when you get your free quote, such as eco upgrade and water backup coverage.

Related links

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

Surviving SXSW
This annual Austin staple can be a blast … with just a bit of preparation.

Wonder if you could be saving on homeowners insurance?

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