Home Insurance

Protect the place that holds it all together. Dwelling, contents, liability, and loss-of-use coverage.

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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.

What's typically covered

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.

What's typically NOT covered

Flood damage — requires a separate NFIP or private flood policy
Earth movement (earthquakes, sinkholes, mudslides)
Normal wear, tear, and lack of maintenance
Insect, rodent, and mold damage in most cases
Damage from a business operated out of the home (needs an endorsement)

Common claim scenarios

Spring hailstorm in the DFW metroplex

A May hailstorm puts dents the size of golf balls across your roof. An adjuster confirms the shingles need full replacement. Your dwelling coverage pays for a new roof minus your wind/hail deductible — which in Texas is often a percentage of your dwelling limit, not a flat dollar amount.

Kitchen fire from a forgotten stovetop

A grease fire damages the kitchen and fills the rest of the house with smoke. Dwelling coverage rebuilds the kitchen, personal property replaces ruined contents, and loss-of-use pays for a rental house while restoration crews work.

Guest slips on the patio

A friend trips on a loose tile, breaks a wrist, and ends up with $18,000 in medical bills. Your personal liability coverage handles the claim — including legal defense if it escalates — so the loss doesn't come out of your savings.

What affects your price

Replacement cost of the home (not market value) and square footage
Roof age and material — newer impact-resistant roofs earn meaningful discounts in Texas
Wind/hail and all-other-peril deductibles
Distance to the nearest fire station and hydrant
Claims history on the property and on you personally (CLUE report)
Credit-based insurance score, where allowed

How Klever Coverage helps

We're independent, so we shop your home through multiple A-rated carriers — not a single captive lineup.
We make sure your dwelling coverage matches the actual cost to rebuild today, not an outdated number from your closing paperwork.
We explain wind/hail deductibles in plain English before you sign, so there are no surprises after the next Texas storm.

Frequently asked questions

Do I need flood insurance in Texas?

Almost always worth considering. Standard home policies exclude flood, and Texas has flood risk well outside FEMA-mapped zones — Hurricane Harvey flooded thousands of homes in 'low-risk' areas. A separate NFIP or private flood policy fills that gap.

What's a wind/hail deductible and why is mine so high?

Most Texas carriers charge a separate deductible — often 1%–2% of your dwelling coverage — for wind and hail claims. On a $400,000 home, that's $4,000–$8,000 out of pocket before the carrier pays. It keeps premiums affordable in a hail-prone state.

How much dwelling coverage do I actually need?

Enough to fully rebuild your home from the ground up at today's labor and material costs. That's almost never the same as what you paid for the house or what the county tax appraisal shows. We help you get to an accurate replacement-cost number.

Will a claim raise my rate?

Often yes, especially weather claims filed close together. Small losses you can absorb out of pocket are usually worth not filing. We can walk through the math before you decide.

Does home insurance cover my home-based business?

Only a tiny amount — usually $2,500 of business property and no business liability. If you run anything more than a hobby from home, you'll want a business endorsement or a separate BOP.