Protect Your Texas Home with Insurance Plus
Affordable, comprehensive homeowners insurance, get a quote qith personalized coverage, and local expertise.
Why Homeowners Insurance Is Critical in Texas
Your home is more than a building — it’s your sanctuary, investment, and the place where your family creates lifelong memories. Protecting it from unforeseen events such as storms, fire, theft, water damage, and accidents is essential. In Texas, with its extreme weather patterns — tornadoes, hailstorms, hurricanes, and occasional flooding — homeowners insurance is not just smart, it’s necessary.
As homeowners, we can sometimes underestimate the risks we face daily. Even minor damage from wind, hail, or plumbing leaks can result in thousands of dollars in repair costs. Liability claims arising from accidents on your property can escalate quickly without proper coverage. Homeowners insurance ensures that you can address these events without financial strain.
Consider a North Texas homeowner whose roof was damaged by a hailstorm. Without proper dwelling coverage, repair costs exceeded $25,000. With the right homeowners insurance, the claim was processed efficiently, repairs were completed, and the family avoided significant financial burden. Insurance Plus guides homeowners through every step to ensure they are adequately protected against similar risks.
Our team takes the time to understand each home, its location, construction type, and the lifestyle of its owners. Whether you own a new construction, a historic home, a manufactured property, or a rental, we provide policies tailored to your needs. This ensures comprehensive protection and peace of mind.
Homeowners insurance also protects you from liability. For instance, if a guest slips on a wet floor and is injured, choosing liability helps cover medical bills and legal fees, safeguarding your finances. Our agents work with you to choose appropriate limits and optional coverage so your protection is complete.
Basic Protection You Need
| Property | Coverage for your main living structure |
| Other Structures | Other buildings or structures on your property |
| Contents | Your personal belongings - furniture, clothing, appliances, etc. |
| Liability | Your personal legal liability |
| Additional living expenses after a loss | Compensation for temporary expenses, hotels, motels or other temporary accommodations while your home is not livable or under repair from a covered loss |
| Replacement Cost Guarantee | Ensure you have the right amount of coverage to replace it |
Peace of mind
Do you reside on one or more acres of land? Whether or not you have hobby animals, you now meet the requirements for our personal lines program, eliminating the need for a Farm and Ranch insurance policy. Even if your agricultural sales are less than $5000 per year, you may still be eligible for our insurance programs.
Finding Insurance with Bad Credit
There are programs available for factoring with both Credit Score and Non Credit Scored options. Our new non-scored 'Hassle Free' HOA Home Insurance Policy ensures that good or bad credit is not a determining factor. During economic challenges and financial uncertainty, some consumers may experience negative impacts on their credit standing. Owners facing credit problems can still access quality property insurance through our Non Credit Scored programs. These programs are rated differently and are often issued on special custom insurance forms rather than traditional policy offerings. In certain market. Non Credit Scored insurance offerings may be limited to an HO1 or HOA type policy for owner-occupied properties and DP1 policy forms for tenant-occupied rental properties.
Tips for saving on your Insurance
If the electrical wiring, plumbing, and roof have all been updated within the last 20 years,, you can receive a rating discount by considering the first remodeling date as the structure's age. This can provide up to a 10% credit. If you have 1 or more acre of land or have hobby animals, you may be eligible for our personal lines residential insurance programs. We now provide $5000 of accidental water damage, coverage on a DP1 under standard Fire, ECC, and VMM policies for a flat $100 AP. This coverage is applicable to both tenant-occupied and owner-occupied properties
For your convenience, an online application is on the forms page of the website. The form may be printed or submitted over the web.
We provide coverage for Rental Homes and other Properties, including Buildings, Contents, Rents, Liability and Crime as well as the tenants contents extension clause. Risks do not need to be loss free. Rates are very competitive with other underwriters of this trade group.
Residential Rental Property Insurance, For Let properties can be covered on DP1. For Commercial lines see the Commercial page on this site.
Finding cheaper homeowners insurance in Texas may prove difficult if you live in certain areas. With a bit of effort, ensuring your property is well-kept and up-to-date can help you uncover discounts. The regional insurance market is thriving with no signs of stagnation. Many insurers offer attractive coverage plans. The rates are highly competitive, making it likely for consumers to find more affordable options. At this moment, our rates are very competitive. Be sure to compare rates to obtain the best insurance coverage for your budget.
Updates for your Property
1. Improvements to your heating, electrical, and plumbing systems to meet modern standards may allow you to qualify for a discount of up to 15% on your insurance. While you might appreciate traditional fireplace. they may not offer the same level of fire safety as contemporary alternatives. Upgrading your home's heating, electrical, and plumbing systems to current standards could make you eligible for a discount of as much as 15%.
Ask about discounts
2. A significant number of homeowners do not realize the various discounts that might be accessible through the insurance company. It is important to inform your agent about any repairs or major renovations you have completed on your home or vehicles. Furthermore, some newer appliances may qualify you for additional discounts. Insurers often highlight the most prevalent discounts so it's a good idea to ask your agent about ways to save money.
Construction materials
3. The material used use in construction of your property can go a very long way in affecting insurance rates. Frame Structures provide more resistance to earthquakes. Brick buildings can offer better resistance to high winds and flying debris as well as the occasional auto collision. Those who need Apartment Building coverage in the Western US can often pay lower rates if the buildings are frame because of the earthquakes there. Building your structure with the appropriate material for your state can easily save you 5% to 35% on your rate.
Customizing your Policy
4. Your insurance coverage can be both affordable and easy to find when you are working with an agent familiar with the risks. You could save hundreds or even thousands of dollars on insurance by comparing coverage. Basic form 1 coverage policies are usually a cheaper option but may offer less coverage. Special broad form policies offer more coverage, but may not always be best value for the money. Make the choice that makes the most sense for your property. Let us shop the best value for your home.
Contents coverage
The Contents portion of your policy covers your belongings inside the house. Typically your, appliances, home furnishings and fixtures. This is usually a percentage of your overall home value.
Liability Insurance
The Liability portion of your homeowners insurance is often considered the most important coverage on the policy next to the main structure coverage itself. Review your policy liability limits. If you find you have 1 or 2 or even 5 Million dollars for personal liability and your home is a 150 thousand dollar typical suburban, you might want to consider a more practical range of 100, 300 or 500 thousand in liability coverage. In some markets the extra liability included in the policy could be a beef up of a policy to make the asking price more palatable. Never the less though one should take an assessment of one's liability exposures and attachable assets from time to time to insure we have enough coverage to protect our exposures. These occasional assessments can also save us money on our insurance premium by knowing the limits of coverage we actually need.
Med Pay
Many providers will automatically include some coverage amount for accidental injury in the home. This coverage is most often referred to as "Med Pay" and considered by some to be an attractive policy option. Often this coverage is anywhere from 500 to 5000 or even 10,000 dollars. When we already have a separate ACA compliant health policy, this may be considered by many to be unnecessary double coverage on a policy. A major medical policy provides coverage regardless of whether our injury occurs in or away from home. You may consider asking your agent if there would be any savings by removing the med pay coverage from your policy if you believe you already have a comprehensive Health insurance Policy.
Additional Living Expense
If your home becomes uninhabitable due to a covered event, additional living expense coverage helps pay for temporary housing, meals, and other costs. Our agents help estimate how much coverage you need to remain comfortable during repairs.
Optional Add-Ons
- Flood insurance in high-risk areas.
- Earthquake coverage for homes in seismic zones.
- Riders for jewelry, art, collectibles, and electronics.
- Identity theft protection for homeowners.
- Coverage for home-based businesses or rental activities.
We focus on providing protection that evolves with your property and lifestyle. Clients know they can trust Insurance Plus to handle claims, policy adjustments, and advice professionally and efficiently.
