Home Insurance in Houston, Texas
Houston insurance is shaped by hurricane wind, named-storm deductibles, and one of the country's largest flood footprints. Auto rates run high thanks to traffic on I-10, I-45, and the 610 Loop. The energy and logistics sectors make business and commercial insurance a major part of the local market.
What matters for home insurance in Houston
- Named-storm deductibles often apply separately on Houston home policies — typically 1–5% of dwelling coverage.
- Harvey reshaped flood awareness: many flooded homes were outside FEMA-mapped 100-year zones. Flood insurance is worth a serious look even on 'low-risk' parcels.
- Heavy commercial trucking through the Port of Houston, refineries, and energy corridor.
How home insurance works
Home insurance — also called homeowners or HO-3 — protects the largest purchase most Texans will ever make. A well-built policy pays to repair or rebuild your house after a covered loss, replaces your belongings, defends you if someone is injured on your property, and pays for somewhere to live while your home is being put back together. In Texas, where hailstorms, straight-line winds, and the occasional hurricane band are part of normal life, getting the structure of your policy right matters as much as the price.
Dwelling & other structures
Pays to repair or rebuild the house itself (Coverage A) and detached structures like fences, sheds, and detached garages (Coverage B) after a covered peril such as fire, hail, wind, or vandalism.
Personal property
Covers your belongings — furniture, electronics, clothing, appliances — typically at 50–70% of your dwelling limit. Make sure high-value items like jewelry, firearms, and collectibles are scheduled if they exceed the policy's sub-limits.
Personal liability
Defends you if a guest is injured on your property or you accidentally damage someone else's property. Standard limits start at $100,000 — we usually recommend $300,000 or more, especially if you have a pool, trampoline, or dogs.
Loss of use / additional living expense
Pays for hotel, rental, restaurant, and other extra living costs while your home is unlivable after a covered loss. Usually capped at 20% of your dwelling coverage.
Want the full coverage breakdown, exclusions, and FAQ? Read the home insurance guide →
Home Insurance in other Texas cities
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