# Home Insurance in Texas | Holley Insurance Agency > Homeowners insurance across Texas from a local Allstate agency. Rebuild-cost coverage, hail and wind deductibles, flood help. Free quotes: (254) 669-6522. Source: https://holleyagency.com/home-insurance [Home](https://holleyagency.com/) / Home Insurance # Texas home insurance, Built to Rebuild Not what you paid, not what Zillow says. Homeowners coverage for homes across Texas built on the real number, with straight answers about hail, wind deductibles, and what a policy does not cover. [or call **(254) 669-6522**](tel:+12546696522) **1–5%** Typical Wind/Hail Deductible **30 Days** NFIP Flood Waiting Period **60 Days** Non-Renewal Notice Required **Free** Coverage Review [Get My Free Home Quote](https://holleyagency.com/quote?type=home) The Quick Answer Texas does not legally require homeowners insurance, but **your mortgage lender does**. The number that matters most on the policy is your ** dwelling limit, which should equal rebuild cost, not market value**. Across most of Texas, ** wind and hail are covered on a standard homeowners policy**, usually with a ** separate wind/hail deductible of 1 to 5 percent** of the dwelling limit — a number that matters in one of the most hail-prone states in the country. In designated Gulf Coast areas, wind may need a separate windstorm policy. ** Flood is excluded** from every standard policy and written separately through the National Flood Insurance Program, and ** foundation movement from expansive clay soil is generally excluded** too. If you are non-renewed, Texas requires ** at least 60 days' written notice**. ** Holley Insurance Agency**, an Allstate agency based in Killeen, reviews and quotes homeowners coverage across Texas for free in about 15 minutes at **[(254) 669-6522](tel:+12546696522)**. Required by : Lenders, not Texas law Insure to : Rebuild cost, not market value Not covered : Flood & most foundation movement Free quotes : [(254) 669-6522](tel:+12546696522) Texas Home Insurance, The Short Version ## Most Texas homes are insured to the wrong number. Or with the wrong deductible. Ask a homeowner what their house is worth and they will tell you the market value. Ask what their dwelling limit should be and most give you the same number. Those are different figures. Your dwelling limit should equal what a builder charges to rebuild your house today, and after the construction inflation of the last few years, a limit set in 2020 and nudged up a few percent each renewal is quietly short of that number. You find out at the worst possible moment. In Texas there is a second number that matters just as much: **your wind and hail deductible**. Most Texas policies calculate it as a percentage of the dwelling limit rather than a flat dollar amount, and in a state that sees hail nearly every spring, it is the deductible you are most likely to actually pay. ** The whole job is getting those numbers right**, then building sensible liability, deductible, and endorsement choices around them. The other half of the job is the market itself. The **Federal Reserve Bank of Dallas** found the median Texas homeowner paid about **60 percent more** for home insurance in 2024 than in 2019, roughly double the national increase, and ** Texas Department of Insurance** figures show statewide premium growth slowing from 18.7 percent in 2024 to about 4.3 percent in 2025. Those are statewide averages, not what your home will cost. Roof age, claims history, construction, and where the house sits relative to the nearest creek all move the number, which is why we look at the full picture of your home before we recommend anything. That is the entire offer here. We will tell you what your home realistically costs to rebuild, how your [wind and hail deductible](#central-texas) works, what [flood coverage](https://holleyagency.com/flood-insurance) costs alongside it, and what bundling with [auto](https://holleyagency.com/auto-insurance) does to the price. If you own a [condo rather than a house](https://holleyagency.com/condo-insurance), that is a different policy and a different set of traps. Ballpark it first with the [home rate estimator](https://holleyagency.com/#estimator), then call us for the real number. ## What a homeowners policy covers. And the three things it never does. A standard **HO-3 policy** is six coverages in a trench coat, labeled A through F. Knowing which does what is how you avoid finding out at claim time. Coverage A Rebuild Cost ### Dwelling The structure itself: walls, roof, foundation, built-in appliances. This is the number everything else keys off, and the one most often set wrong. It should equal what a builder charges to rebuild today, not the market price of the house. Coverage B 10% of A ### Other Structures Detached garage, fence, shed, pool house, the workshop out back. Usually defaults to 10 percent of your dwelling limit, which is fine until you build something. Texas garage apartments and big outbuildings routinely blow past the default. Coverage C 50% of A ### Personal Property Everything you would take if you moved. Jewelry, art, cameras, and collections carry sub-limits, often $1,500 to $2,500, so anything meaningful should be scheduled separately for full coverage. Coverage D 20% of A ### Loss of Use Pays your rent, hotel, and extra costs while the house is uninhabitable. In busy Texas rental markets, and with post-storm repairs that can take months, this limit deserves an actual look. Coverage E $300k+ ### Personal Liability Covers you when someone is injured on your property or you damage someone else's, including legal defense. Follows you off the property too. This is where an umbrella policy earns its keep for anyone with real assets. Coverage F $1k to $5k ### Medical Payments Pays a guest's minor medical bills regardless of fault, no lawsuit required. Small limits, small cost, and it quietly settles the kind of incident that would otherwise turn into a liability claim against you. Generally excluded Foundation ### Foundation Movement Much of Texas sits on expansive clay that swells when wet and shrinks in drought. The settling and cracking it causes is generally excluded as earth movement or wear. Coverage for damage from a sudden plumbing leak under the slab varies by policy, so ask what yours says. Not covered Flood ### Flood Rising water needs a separate flood policy, such as one through the National Flood Insurance Program. A burst pipe is generally covered; water coming in from outside is not. Texas creeks and streets can rise within hours, and many flooded homes sit outside high-risk zones. Not covered Upkeep ### Wear, Tear & Neglect Insurance covers sudden and accidental, not gradual. A roof at the end of its life, slow leaks, rot, termites, and deferred maintenance are yours. Worth knowing, because roof age and condition are a leading reason Texas homes get non-renewed — hail sees to that. ### Is your dwelling limit still the right number? It is the single most common gap we find, and the easiest to fix before you need it. We will recalculate rebuild cost with you in about 15 minutes. [Check My Coverage](https://holleyagency.com/quote?type=home) [Call (254) 669-6522](tel:+12546696522) Coverage Basics ## The four decisions that actually shape your policy. Past the six coverages, a handful of choices determine whether your policy holds up. These are the ones worth understanding. ### 1. Rebuild cost, and the cushion above it Rebuild cost is what a contractor charges today to put your house back: labor, materials, permits, debris removal, and the premium you pay for building one house rather than a subdivision. It has nothing to do with your purchase price or your mortgage balance. Even a well-set limit can fall short after a major regional storm — a widespread hail event or tornado outbreak — when demand for roofers and contractors pushes prices up all at once. That is what **extended replacement cost** is for, where your policy offers it: it adds a cushion above your dwelling limit, commonly 25 to 50 percent, for exactly this scenario. Pair it with ** building code upgrade coverage**, which pays the difference when current code requires more than what your house was built to. On an older Texas home, code upgrades alone can be a serious number. ### 2. Replacement cost versus actual cash value Replacement cost pays to replace what you lost with new equivalents. Actual cash value pays depreciated value. For belongings, the upgrade to replacement cost is inexpensive and worth it for nearly everyone. Watch your roof specifically. Many Texas policies now settle older roofs at actual cash value or use separate roof payment schedules, because hail is one of the most common and costly claims in the state. A fifteen-year-old roof pays out like a fifteen-year-old roof while the new one is billed at today's prices, and that difference can run tens of thousands. It is one of the first lines we read on a policy you already have. ### 3. Your deductible, including the separate one you may not know about The flat deductible is your main pricing lever, and the right one is the largest number you could write a check for tomorrow without wincing. Moving from $1,000 to $2,500 usually pays for itself over a few claim-free years. The one to actually read for: nearly every Texas policy carries a **separate percentage deductible for wind and hail**, calculated on your dwelling limit rather than as a flat dollar amount. On a $300,000 dwelling limit, a 2 percent wind/hail deductible is $6,000, and it applies precisely when you can least absorb it — the morning after a spring hailstorm. You should know your number before storm season, not after. ### 4. Liability, and why the umbrella is usually the best value on the page Your homeowners liability limit protects your assets when someone is hurt on your property or you are found responsible for damage elsewhere. Most policies default to $300,000, which was a reasonable number in a different decade. An **umbrella policy** stacks $1 million or more on top of both your home and [auto](https://holleyagency.com/auto-insurance) liability, and for most households it costs a few hundred dollars a year. Measured in dollars of protection per dollar of premium, nothing else on the page comes close. If you own a home in Texas, you have assets worth defending. ### Send us your declarations page. We will read it with you. Roof settlement, wind deductible, dwelling limit, liability. We will flag what is exposed and what is fine, and quote the fix. No pressure either way. [Get My Free Quote](https://holleyagency.com/quote?type=home) [Call (254) 669-6522](tel:+12546696522) The Texas Home, Honestly ## Hail, wind, freezes, clay soil, and flood. What your policy does about each. Across most of Texas, wind and hail coverage lives on your regular homeowners policy. In designated Gulf Coast areas, wind and hurricane damage may be excluded from a standard policy and written on a separate windstorm policy instead. Either way, no corner of this state gets a quiet weather year. Here is how the Texas risks actually land on your policy. ### Hail and wind: covered, with a deductible of their own Texas is one of the most hail-prone states in the country, and spring storms here also bring tornadoes and straight-line winds. On a standard Texas homeowners policy, wind and hail damage is covered, but usually subject to a **separate wind/hail deductible** that is often a percentage of your dwelling limit rather than a flat amount. On a $300,000 dwelling limit, a 2 percent deductible is **$6,000 out of pocket** on a roof claim. That percentage is a choice, not a fixed fact. A lower one raises the premium; a higher one lowers it and raises what you pay after a storm. We will show you both directions so you pick a deductible you could actually cover in May, when the storms roll through. ### Your roof: age, material, and the Class 4 question Insurers price the roof harder than any other part of a Texas house. Roof age affects both the premium and how a roof claim is settled — many policies pay **actual cash value** on older roofs, which means depreciation comes out of the check. ** Class 4 impact-resistant roofing**, the top rating under the UL 2218 hail-impact standard, may qualify for a discount and tends to hold up better when the next storm arrives. After a hailstorm, photograph the damage, make reasonable temporary repairs to prevent more of it, and talk to us before you sign anything with a door-knocking contractor. We will walk you through how the claim and your deductible work. ### Winter freezes and burst pipes Winter Storm Uri in February 2021 hit the whole state at once, with frozen pipes and long power outages, and reminded every Texan that a hard freeze can do serious damage here. **Sudden water damage from a burst pipe is generally covered** on a standard homeowners policy, subject to your deductible. The fine print: policies generally expect reasonable care, like keeping the heat on, and damage from a slow leak that went unnoticed is treated as maintenance. If the house will sit empty during a deployment, a PCS move, or a long trip, ask us what your policy expects while you are gone. ### Foundations and expansive clay soil Much of Texas sits on expansive clay soil that swells when it is wet and shrinks during drought. Over time that movement can crack slabs, stick doors, and split drywall. Standard homeowners policies **generally exclude** foundation settling, cracking, and earth movement. Some policies may respond to foundation damage caused by a sudden covered event, such as a plumbing leak under the slab, but the terms vary a great deal. Ask us what your policy says before you need it, and keep up with drainage and consistent watering around the foundation. ### Flash floods statewide, and wildfire out west Flash flooding is a statewide risk, from the Hill Country's "Flash Flood Alley" and the July 2025 Hill Country floods to the flooding Hurricane Harvey brought to the Houston area in 2017. Flood is **excluded from a standard homeowners policy** and written separately through the National Flood Insurance Program, typically with a 30-day waiting period, so [flood coverage](https://holleyagency.com/flood-insurance) has to be in place before the storm is on the radar. Fire, by contrast, is a core covered peril, which matters in parts of West Texas and the Panhandle where wildfire is a real risk. Make sure your dwelling limit would actually rebuild the house. ### If you have been non-renewed Non-renewal is not cancellation, and it is not always about you. Texas requires **written notice at least 60 days before your policy expires** (Texas Insurance Code §551.105), which is enough time to put replacement coverage in place properly if you start immediately. Two protections worth knowing before you accept the letter as final. Texas law generally bars an insurer from non-renewing you over claims unless you filed **three or more qualifying claims in three years** (§551.107) — and ** weather-related claims cannot be counted against you** for that purpose, nor can appliance-related water claims once the underlying issue is repaired. If the letter cites claims history, read it closely and call us with it in hand. Then move. Sixty days is workable if you start on day one, and it evaporates if you wait a month. Call us the day the letter arrives and we will review the home with you and talk through your options. ### Know your hail deductible before the next storm? Tell us your roof age and your current wind/hail deductible, and we will walk through what you would actually pay after a storm. No charge and no pitch. [Review My Home](https://holleyagency.com/quote?type=home) [Call (254) 669-6522](tel:+12546696522) ## Seven honest ways to lower your premium. Without hollowing out the policy. In Texas the two biggest levers are **bundling with auto** and ** the roof over your head**, because hail and wind drive this market. The rest stack on top. 1 ### Bundle home with auto The multi-policy discount for bundling is one of the most common discounts available to a Texas homeowner. It also puts your whole plan with one team who can see the full picture instead of two who each see half. Start with an [auto quote](https://holleyagency.com/auto-insurance) and we will price the pair. 2 ### Upgrade the roof, and claim every discount it earns Insurers price the roof harder than any other feature of a Texas house. Class 4 impact-resistant shingles may qualify for a discount, and a newer roof can change both your rate and how a roof claim is settled. This is one of the few places where spending money can lower your rate — and after the next hailstorm, you will be glad twice. 3 ### Raise the deductible your savings can actually cover Moving from $1,000 to $2,500 lowers the premium, and over a few claim-free years the difference adds up. The right deductible is the biggest number you could write a check for tomorrow without losing sleep. 4 ### Stop insuring the land If your dwelling limit was set from market value, you are paying for coverage that can never pay out, since nobody rebuilds dirt. Recalculating to true rebuild cost sometimes lowers the premium outright. Sometimes it raises it, because the limit was short. Either way you find out now instead of at a claim. 5 ### Think hard before filing a small claim A $3,000 water claim on a $2,500 deductible nets you $500 and can follow the property for years, both in your rate and in whether an insurer will write you at all. Texas law keeps weather claims from being used to non-renew you, but non-weather claims history is currency in this market. Small losses are often cheaper paid out of pocket, and we will tell you honestly when that is the case. 6 ### Stack the boring discounts Monitored alarm, water leak detection, updated roof, updated electrical and plumbing, new home, claims-free, paperless, paid in full. Individually small, collectively real, and they are exactly the kind of thing that falls off a policy over the years without anyone noticing. 7 ### Review it every year, because your home changes Rebuild costs keep moving, you add a room or a pool or a new roof, and the discounts you qualify for can change. We review your coverage with you at renewal so the policy keeps up with the house. What does not work: shaving the dwelling limit to hit a target premium. That is not a saving, it is a deferred loss. ## Every Texas home is a different problem. We look at the whole picture. An aging roof, a garage apartment, a 1970s slab on clay soil, a house you kept when military orders moved you. Each changes how the policy should be built. [### Homes with an older roof Hail finds a tired roof first. Roof age drives the price, how a roof claim is settled, and eligibility, and an impact-resistant replacement may qualify for a discount.](https://holleyagency.com/quote) [### Older Texas homes Original plumbing, older wiring, a roof with opinions, and a slab that has lived through decades of clay-soil swings. Age drives price and eligibility, and building code upgrade coverage stops being optional.](https://holleyagency.com/quote) [### Homes with a garage apartment That unit over the garage is usually not covered by the default 10 percent Other Structures limit, and renting it out changes the policy entirely. Common, and commonly missed.](https://holleyagency.com/quote) [### High-value & custom homes Custom millwork, imported stone, and finishes a standard rebuild calculator does not know exist. These need a policy that reflects what it actually costs to put back.](https://holleyagency.com/quote) [### Rentals & homes kept after PCS A home you rent out needs a landlord policy, not a homeowners policy — including the house you keep and rent out when orders move you. Filing a claim on the wrong form is how people discover the difference.](https://holleyagency.com/landlord-insurance) [### Military families on PCS orders Insurance is a real closing cost in Texas, not a formality at the end. Whether you are arriving on orders at Fort Hood, Fort Bliss, or Joint Base San Antonio, or buying your first home, our team works with lenders and real estate agents to have coverage ready by closing.](https://holleyagency.com/quote) ### Under contract, or renewing soon? Tell us the address and we will tell you what is available, what it costs, and what would make it cheaper. Straight answer, no obligation. [Get My Free Quote](https://holleyagency.com/quote?type=home) [Call (254) 669-6522](tel:+12546696522) ## Homeowners insurance across Texas. Big cities to small towns. Home insurance is priced address by address, and across Texas the details that matter — roof age, distance to the nearest creek or coastline, the soil under the slab — change from one street to the next. We quote homes statewide, and we look at yours, not an average. [Get Quote](https://holleyagency.com/quote) [Dallas–Fort Worth](https://holleyagency.com/quote) [Houston](https://holleyagency.com/quote) [San Antonio](https://holleyagency.com/quote) [Austin](https://holleyagency.com/quote) [El Paso](https://holleyagency.com/quote) [Gulf Coast](https://holleyagency.com/quote) [Hill Country](https://holleyagency.com/quote) [West Texas](https://holleyagency.com/quote) [East Texas](https://holleyagency.com/quote) [Panhandle](https://holleyagency.com/quote) [Rio Grande Valley](https://holleyagency.com/quote) [All of Texas](https://holleyagency.com/quote) ## Texas home insurance questions. Straight answers. Is homeowners insurance required in Texas?+ Texas law does not require homeowners insurance. Your **mortgage lender does**, and they will require it in writing, with the lender named on the policy. If you let coverage lapse, the lender can buy force-placed insurance and bill you for it. That coverage is usually far more expensive and protects the lender's interest, not yours. Owning your home free and clear is the only situation where going without is legal, and it is still a bet against your single largest asset. What does homeowners insurance actually cover?+ A standard HO-3 policy covers six things: **the dwelling** (structure), ** other structures** (fence, detached garage, workshop), ** personal property** (belongings), ** loss of use** (somewhere to live during repairs), ** personal liability** (if someone is hurt or you damage someone else's property), and ** medical payments** to guests. Covered perils include fire, smoke, theft, vandalism, most sudden water damage, falling objects, and wind and hail — usually with a separate wind/hail deductible. The big exclusions are flood, foundation settling and earth movement, and anything that counts as maintenance. How much is homeowners insurance in Texas?+ It depends heavily on the home. Roof age and material, construction, claims history, credit-based insurance score, and location all move the price, and Texas is consistently one of the more expensive states for homeowners coverage. For context, the **Federal Reserve Bank of Dallas** found the median Texas homeowner paid about **60 percent more** for home insurance in 2024 than in 2019, roughly double the national increase, and ** Texas Department of Insurance** figures show statewide premium growth slowed from 18.7 percent in 2024 to about 4.3 percent in 2025. Those are statewide averages, not what you will pay, which is why we quote your actual address rather than a table. How much dwelling coverage do I need?+ Your dwelling limit should equal the **cost to rebuild your home**, not what you paid, not what Zillow says, and not what you owe. Rebuild cost is what a contractor charges today for labor, materials, permits, and debris removal. The dangerous mistake is under-insuring. Construction costs rose sharply after 2020, and a dwelling limit set years ago and nudged along by small annual increases is often well short of today's rebuild cost. We recalculate rebuild cost with you rather than letting the number drift. Does homeowners insurance cover hail and wind damage in Texas?+ **Generally yes, subject to a separate deductible.** Across most of Texas, wind and hail are covered on a standard homeowners policy. In designated Gulf Coast areas, wind and hurricane damage may be excluded and written on a separate windstorm policy instead. Most Texas policies apply a ** separate wind/hail deductible**, often a percentage of your dwelling limit. Tornado and straight-line wind damage falls under the same wind coverage. What is not covered: flooding from the rain that comes with the storm, which requires a separate [flood policy](https://holleyagency.com/flood-insurance), and wear-related roof problems a storm merely exposes. Does homeowners insurance cover flood?+ **No.** Rising water from outside is excluded from every standard homeowners policy. Flood is written separately, and our agency offers [flood coverage](https://holleyagency.com/flood-insurance) through the ** National Flood Insurance Program**. A burst pipe or an overflowing water heater is a different thing entirely, and that sudden, accidental water damage is generally covered. The distinction is where the water came from: inside your plumbing is generally covered, outside and rising is not. From Hill Country flash floods to Gulf Coast storms, Texas creeks and streets can rise within hours, and many flooded homes sit outside mapped high-risk zones, so check your zone rather than assume. Are burst pipes from a freeze covered?+ **Usually, yes.** Sudden water damage from a pipe that bursts in a freeze is generally covered on a standard homeowners policy, subject to your deductible. Winter Storm Uri in February 2021 made that a very real question across Texas. The fine print: policies generally expect reasonable care, like keeping the heat on, and a slow leak that went unnoticed for weeks is treated as maintenance. If the house will sit empty during a deployment, a PCS move, or a long trip, ask us what your policy requires. Does homeowners insurance cover foundation problems?+ **Generally, no.** Foundation settling, cracking, and shifting from expansive clay soil — common across much of Texas — is typically excluded as earth movement or gradual wear. Some policies may cover foundation damage caused by a sudden covered event, such as a plumbing leak under the slab, but the terms vary a great deal from policy to policy. We will walk you through exactly what yours says, and good drainage and consistent watering around the foundation remain your best protection. My insurer non-renewed me. What now?+ First, do not panic, and do not confuse it with cancellation. Non-renewal happens at the end of your term, and Texas requires **written notice at least 60 days before your policy expires**. Texas law also limits claims-based non-renewal: in general an insurer may only non-renew you for claims if you filed **three or more qualifying claims in three years** — and weather-related claims cannot be counted against you for that purpose, nor can appliance-related water claims once the underlying issue is repaired. If your letter cites claims, read it closely. Then use the window. Sixty days is enough time if you start immediately. Call us the day the letter arrives and we will review the home with you and talk through your options. What's the difference between replacement cost and actual cash value?+ **Replacement cost** pays to replace what you lost with new equivalent items. ** Actual cash value** pays the depreciated value, so a ten-year-old roof pays out like a ten-year-old roof, not a new one. For belongings, replacement cost is worth the modest premium difference for nearly everyone. Watch the roof specifically: many Texas policies have moved to actual cash value roof settlement or separate roof payment schedules, because hail is one of the most common claims in the state. The gap at claim time can run tens of thousands. It is one of the first things we check on a policy you already have. What is a wind or hail percentage deductible?+ Most Texas policies carry a separate wind and hail deductible calculated as a **percentage of your dwelling limit**, often 1 to 5 percent, instead of a flat dollar amount. On a $300,000 dwelling limit, a 2 percent wind/hail deductible means **$6,000 out of pocket** before coverage responds. In much of Texas this is the deductible you are most likely to use, because hail is the storm we see most. Know your number before spring storm season and budget for it — and when we quote, we will show you what moving that percentage does to the premium in both directions. Does my credit score affect my home insurance rate in Texas?+ **Yes.** Texas allows insurers to use credit-based insurance scores in pricing homeowners coverage, and the effect can be significant. It is one factor among several, alongside claims history, roof age, and location. We can walk you through which factors are shaping your rate and make sure every discount you qualify for is on the policy. How can I lower my Texas home insurance premium?+ The reliable levers are bundling home with [auto](https://holleyagency.com/auto-insurance), raising your deductible if your savings can absorb it, and the roof: Class 4 impact-resistant shingles may qualify for a discount, and a newer roof can change how your policy prices and settles a roof claim. Then make sure every discount you qualify for is actually on the policy, and review your coverage with us at renewal. What to avoid is under-insuring the dwelling to chase a lower premium. If the limit will not rebuild the house, the savings were never real. Still have questions? [Call (254) 669-6522](tel:+12546696522). We will give you a straight answer. ## Add the cars. Bundle both. [Get a home quote](https://holleyagency.com/quote?type=home) [Auto insurance](https://holleyagency.com/auto-insurance) [Landlord insurance](https://holleyagency.com/landlord-insurance) [Call (254) 669-6522](tel:+12546696522) ## Find out what your home really costs to insure. Free, fast, and in plain English. Tell us the address and what is in it. We will get the rebuild number right, tell you what is available, and quote it in about 15 minutes. [Get My Free Home Quote](https://holleyagency.com/quote?type=home) [or call **(254) 669-6522**](tel:+12546696522) --- **Holley Insurance Agency** · 1801 Trimmier Rd, Suite A1, Killeen, TX 76541 · (254) 669-6522 · Mon–Fri 8:00 AM–5:00 PM CT Request a quote: https://holleyagency.com/quote-request (plain HTML form) or https://holleyagency.com/quote (guided).